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.
Construction Loans built for San Diego deals
For a property in San Diego, review the address and project on their own merits. Start with the lot, plans, permit status, builder, and work budget. Ask how inspections and draws would fit the build, and what costs must be paid before each draw. Ask what must be ready to fund in 3-5 days.
Check the property’s jurisdiction and permit needs through San Diego planning and building services. Nearby cities may have different rules. Confirm what applies to the address before setting the budget.
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.
Have a San Diego deal under contract?
Logan personally reviews every construction loan request. Term sheet in 24 hours. We fund California.
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