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Santa Ana, CA · Construction Financing

Construction Loans in Santa Ana
Ground-Up, ADUs and Rebuilds.

Private construction financing for Santa Ana 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 Santa Ana

What to Know About Santa Ana

Santa Ana is the Orange County seat and one of the oldest, densest cities in the county. Its historic core around Downtown holds Victorian and Craftsman homes, Floral Park is known for larger 1920s and 1930s period houses, and the rest of the city is mostly postwar tract housing and apartments.

Much of the building in Santa Ana happens on existing lots: ADUs behind older homes, additions, and rebuilds where a house is past saving. In the historic neighborhoods, exterior work can go through extra design review before permits issue, which we account for in the timeline. Draws are released against inspected progress on 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

Santa Ana Neighborhoods

We lend throughout Santa Ana and the rest of Orange County, including these areas.

Floral ParkFrench ParkDowntown Santa AnaWashington SquarePark SantiagoSouth Coast Metro

Straight Answers

Construction Loans in Santa Ana: Questions

I want to add an ADU behind my house in French Park. Is that financeable?

Yes. Because it’s a historic neighborhood, the design may need extra review before permits, which can take time. We underwrite to the approved plans and set the draws around that schedule.

Do you lend in Santa Ana?

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

Have a Build in Santa Ana?

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

Get Started → or call (818) 937-9987

Serving Santa Ana 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.

Construction Loans in Santa AnaGround-Up, ADUs and Rebuilds.