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Michael Daniel Investments MICHAEL DANIEL INVESTMENTS PRIVATE LENDING
Homeowners Investors We Buy Properties for Cash (818) 937-9987
Laguna Beach, CA · Construction Financing

Construction Loans in Laguna Beach
Ground-Up, ADUs and Rebuilds.

Private construction financing for Laguna Beach builders and investors, with draws tied to completed work and inspection milestones.

✓ Ground-up & rebuilds
✓ ADUs & additions
✓ Staged draws
✓ $50K–$5M+
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Construction Loans in Laguna Beach

What to Know About Laguna Beach

Laguna Beach started as an artists’ colony and still packs small cottages, hillside homes and canyon properties between the ocean and the San Joaquin Hills. Much of the city is in the coastal zone and in very high fire hazard severity zones, and only a few roads lead in and out.

Few Orange County cities put a project through as much review as Laguna Beach. Design review applies to a lot of work, many sites need coastal permits, and hillside geology and fire hazard zone standards add their own requirements. Older homes can also draw historic review. Permitting often takes longer than building, so we underwrite to the approved plans and set draws around the real schedule.

How It Works

Construction Loan Terms

Staged Draws
Funds are released as work is completed and inspected, so the loan follows the build instead of a generic schedule.
Plans and Budget First
We underwrite against your approved plans, a realistic budget and the completed value of the project.
Spec or Custom
Spec homes, custom builds, tear-down rebuilds, additions and ADUs.
$50K–$5M+
Loan Amounts
Staged Draws
Tied to Inspections
Plans + Budget
Underwritten Together

Rates, leverage, points and fees depend on the project and are disclosed in writing before you commit.

Where We Lend

Laguna Beach Neighborhoods

We lend throughout Laguna Beach and the rest of Orange County, including these areas.

Downtown VillageNorth LagunaTop of the WorldBluebird CanyonArch Beach HeightsSouth Laguna

Straight Answers

Construction Loans in Laguna Beach: Questions

My Laguna Beach remodel needs design review. Can you still finance it?

Yes. We fund against approved plans, so the design review and any coastal permits come first. We set the draw schedule to match the approved scope.

Do you lend in Laguna Beach?

Yes. We’re a California-licensed direct lender headquartered in Glendale, and we underwrite Orange County deals directly, including Laguna Beach, rather than handing them to an out-of-state call center.

How do construction draws work?

The loan is released in stages. As each phase of work is completed, it’s inspected, and the next draw is funded. That keeps the money matched to progress on the job.

More in Laguna Beach

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Construction Loans Elsewhere in Orange County

IrvineAnaheimHuntington BeachYorba LindaMission ViejoLake ForestCosta MesaNewport BeachFullertonGarden GroveSanta AnaOrangeWestminsterBuena ParkTustinLaguna NiguelSan ClementeLa HabraFountain ValleyPlacentiaRancho Santa MargaritaAliso ViejoCypressBreaDana PointSan Juan CapistranoLaguna HillsSeal BeachStanton

Have a Build in Laguna Beach?

Tell us about it and we’ll give you a straight answer.

Get Started → or call (818) 937-9987

Serving Laguna Beach and Orange County, California

Michael Daniel Investments, Inc.

417 Arden Ave, Suite 121A, Glendale, CA 91203 · (818) 937-9987

California Department of Real Estate DRE# 02037255 and NMLS# 233991.