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

Construction Loans in San Clemente
Ground-Up, ADUs and Rebuilds.

Private construction financing for San Clemente 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 San Clemente

What to Know About San Clemente

San Clemente is the southernmost city in Orange County, bordered by Camp Pendleton, and its older core is known for white stucco and red tile roofs in the Spanish Colonial Revival style. Inland, Forster Ranch and Talega are newer master-planned communities, and coastal neighborhoods sit on bluffs above the beach and the rail line.

Near the water, San Clemente projects usually need a coastal development permit, and bluff-top lots can require geotechnical study before any work begins. The city also has design expectations in its older areas. We build those approvals into the timeline and fund draws against the approved plans.

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

San Clemente Neighborhoods

We lend throughout San Clemente and the rest of Orange County, including these areas.

Pier BowlNorth BeachShorecliffsCyprus ShoreForster RanchTalega

Straight Answers

Construction Loans in San Clemente: Questions

Do I need a coastal permit to remodel near the San Clemente pier?

Projects close to the coast often do, and bluff-top lots may also need geotechnical work. We build those approvals into the timeline and fund draws against the approved plans.

Do you lend in San Clemente?

Yes. We’re a California-licensed direct lender headquartered in Glendale, and we underwrite Orange County deals directly, including San Clemente, 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 San Clemente

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Construction Loans Elsewhere in Orange County

IrvineAnaheimHuntington BeachYorba LindaMission ViejoLake ForestCosta MesaNewport BeachFullertonGarden GroveSanta AnaOrangeWestminsterBuena ParkTustinLaguna NiguelLa HabraFountain ValleyPlacentiaRancho Santa MargaritaAliso ViejoCypressBreaDana PointLaguna BeachSan Juan CapistranoLaguna HillsSeal BeachStanton

Have a Build in San Clemente?

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

Get Started → or call (818) 937-9987

Serving San Clemente 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.