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

Construction Loans in National City
Ground-Up, ADUs and Rebuilds.

Private construction financing for National City 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 National City

What to Know About National City

National City is one of the oldest cities in San Diego County, sitting on the bay between San Diego and Chula Vista next to Naval Base San Diego. Much of its housing is older single-family homes and small apartment buildings, with a few Victorian-era houses still standing near downtown.

Most construction in National City is infill: garage conversions, ADUs behind older homes, and the occasional new small multifamily project on a lot that was zoned for it. Older parcels near the port and the Westside sometimes sit next to industrial uses, which can shape what gets approved. We fund against the approved plans and release draws as the work passes inspection.

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

National City Neighborhoods

We lend throughout National City and the rest of San Diego County, including these areas.

Downtown National CityWestsideKimball Park areaEl Toyon Park areaLas Palmas Park areaPlaza Bonita area

Straight Answers

Construction Loans in National City: Questions

Can I add an ADU behind my older National City home?

Yes. We fund against the approved plans and release draws as each stage passes inspection.

Do you lend in National City?

Yes. We’re a California-licensed direct lender headquartered in Glendale, and we underwrite San Diego County deals directly, including National City, rather than routing them through 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 National City

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Construction Loans Elsewhere in San Diego County

Chula VistaOceansideEscondidoCarlsbadSan MarcosEl CajonVistaSanteeLa MesaPowaySan DiegoEncinitasImperial BeachLemon GroveCoronadoSolana BeachDel Mar

Have a Build in National City?

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

Get Started → or call (818) 937-9987

Serving National City and San Diego 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.