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

Land Loans in Encinitas
Raw and Entitled Land Financing.

Financing for raw, unentitled and entitled land in and around Encinitas, sized against the appraised value of the parcel.

✓ Raw & entitled land
✓ Purchase or refinance
✓ Up to 50% LTV
✓ $50K–$5M+
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Land Loans in Encinitas

What to Know About Encinitas

Encinitas is a coastal North County city made up of distinct communities, from the beach towns of Leucadia, Cardiff-by-the-Sea and Old Encinitas to the rural, horse-friendly hills of Olivenhain. Homes along the ocean sit on coastal bluffs, and most of the western half of the city is in the coastal zone.

Land in Encinitas is most often found in Olivenhain, where parcels are larger and can involve wells or septic, steep access and fire-zone rules. Coastal lots, when they come up, are limited by bluff and coastal-zone regulations. We lend up to 50% of appraised value on purchase or refinance, based on the appraisal.

How It Works

Land Loan Terms

Based on Appraised Value
The loan is sized against the land’s appraised value, not the purchase price. Without an appraisal, we can’t lend.
50% LTV Maximum
We lend up to 50% of appraised value, whether you’re buying the parcel or refinancing one you own.
Raw or Entitled
Vacant, unentitled and entitled parcels, where most conventional lenders won’t go.
Up to 50%
Of Appraised Value
$50K–$5M+
Loan Amounts
Appraisal
Required

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

Where We Lend

Encinitas Neighborhoods

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

LeucadiaCardiff-by-the-SeaOlivenhainOld EncinitasNew EncinitasVillage Park

Straight Answers

Land Loans in Encinitas: Questions

Do you lend on rural land in Olivenhain?

Yes, up to 50% of appraised value. Wells, septic and access all show up in the appraisal.

Do you lend in Encinitas?

Yes. We’re a California-licensed direct lender headquartered in Glendale, and we underwrite San Diego County deals directly, including Encinitas, rather than routing them through an out-of-state call center.

How much can I borrow against land?

Up to 50% of the appraised value, purchase or refinance. That’s a ceiling, and the appraisal sets the number, so we can’t move forward on a file without one.

More in Encinitas

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Land Loans Elsewhere in San Diego County

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Have a Parcel in Encinitas?

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

Get Started → or call (818) 937-9987

Serving Encinitas 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.