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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 · Land Financing

Land Loans in San Clemente
Raw and Entitled Land Financing.

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

✓ Raw & entitled land
✓ Purchase or refinance
✓ Up to 50% LTV
✓ $50K–$5M+
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No obligation. A real person will follow up.
Land loans are for vacant or unimproved land, not homes or buildings.

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Land 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.

Land in San Clemente is limited to scattered infill and hillside lots, plus a few coastal parcels where bluff setbacks and coastal rules restrict building. The appraisal accounts for those constraints. We lend up to 50% of appraised value, purchase or refinance.

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

San Clemente Neighborhoods

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

Pier BowlNorth BeachShorecliffsCyprus ShoreForster RanchTalega

Straight Answers

Land Loans in San Clemente: Questions

How do bluff setbacks affect a land loan in San Clemente?

They limit where and how much you can build, which shows up in the appraisal. We lend up to 50% of that appraised value, purchase or refinance.

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 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 San Clemente

Cash-Out Second Mortgages in San ClementeConstruction Loans in San ClementeFix and Flip Loans in San Clemente

Land 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 Parcel 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.