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

Land Loans in Santa Monica
Raw and Entitled Land Financing.

Financing for raw, unentitled and entitled land in and around Santa Monica, 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 Santa Monica

What to Know About Santa Monica

Santa Monica is a small, almost entirely built-out beach city, with large single-family homes north of Montana, older cottages and bungalows in Ocean Park and Sunset Park, and a large stock of rent-controlled apartments. Much of the city near the water falls within the California coastal zone.

Vacant land is very rare in Santa Monica. When it comes up, it is usually a tear-down lot or a small commercial parcel, and zoning, coastal rules and what can be built drive the value. We lend up to 50% of the 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

Santa Monica Neighborhoods

We lend throughout Santa Monica and the rest of Los Angeles County, including these areas.

North of MontanaSunset ParkOcean ParkWilshire MontanaMid-CityPico

Straight Answers

Land Loans in Santa Monica: Questions

Do you lend on tear-down lots in Santa Monica?

Yes, up to 50% of the appraised value, purchase or refinance. Zoning and coastal rules factor into that value.

Do you lend in Santa Monica?

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

Cash-Out Second Mortgages in Santa MonicaConstruction Loans in Santa MonicaFix and Flip Loans in Santa Monica

Land Loans Elsewhere in Los Angeles County

Santa ClaritaLong BeachGlendaleTorranceBurbankPasadenaWest CovinaDowneyHawthorneCarsonLos AngelesLancasterPalmdalePomonaEl MonteInglewoodNorwalkComptonWhittier

Have a Parcel in Santa Monica?

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

Get Started → or call (818) 937-9987

Serving Santa Monica and Los Angeles 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.