SAN DIEGO · CONSTRUCTION LOAN

San Diego Construction Loans

Rates, points, loan sizing, leverage, and final terms are provided only after Grand Funding reviews the specific transaction. This website is not a commitment to lend.

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Construction Loans built for San Diego deals

San Diego is one of California's most constrained real estate markets — coastal supply is limited, demand is relentless, and new construction carries some of the highest ARVs in the state. Builders and investor-developers need a lender who understands California construction permitting and can fund in 3-5 days.

Market context: San Diego ADU builds average $250K–$400K in cost but add $600K–$1M+ in property value in coastal zip codes. New construction in La Jolla and Del Mar regularly exceeds $3M ARV.

Who this loan is built for

Builder-investors with a permitted plan, licensed California GC, and a clear exit. We finance acquisition + build in a single instrument. Common San Diego use cases include coastal ADU additions, ground-up luxury builds, fix-and-flip rehabs, and teardown-rebuilds.

Loan terms at a glance

Loan sizing: Determined after deal review
Rates and points: Provided after deal review
Leverage: Determined after deal review
→ Term: Determined after deal review
→ Approval: 24-hour term sheet
→ Funding: 3-5 business days standard
Credit, income, experience, and documentation requirements are determined after review of the specific transaction.
→ Coverage: Statewide in California, including San Diego

Common questions from San Diego investors

How are construction draws structured?

Construction and rehabilitation draw structure, milestones, inspections, and timing are determined for the specific project and are disclosed in writing.

Do I need a licensed GC?

Contractor, experience, inspection, scope-of-work, and other project requirements are determined after review of the specific project.

Can the loan finance both the lot and the build?

Yes. Most of our construction loans finance acquisition + build in a single instrument.

What happens if construction runs over budget?

We work with you. Cost overruns are funded as a loan modification or a small junior facility. Logan has been a builder himself — he plans for the messiness.

Do you fund ADU construction in San Diego?

Yes. ADU additions are one of the most common use cases in San Diego and across California. We finance the full cost of an ADU build as a construction loan against the primary property's value.