Jim Lackey Associates
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About Jim Lackey, San Diego Hard Money Lender

Jim LackeyJim Lackey Associates provides access to private capital in the form of either loans or private equity for businesses and individuals. Founded in March 2004, the company has arranged financing of over $40 million, including purchase loans, refinance loans, construction loans, private equity, and a variety of other transactions. We are not a "fund" sitting on cash looking for a "home" (which can sometimes exert pressure on the fund manager to deploy the cash in risky investments); rather, we strive to fit each transaction to the most suitable capital source, whether institutional or private.

Jim Lackey Associates has built a reputation of honesty, integrity and performance. Our mantra is "Under-Promise and Over-Deliver". We pride ourselves on being very selective in the transactions for which we endeavor to source capital; in doing so, this allows us to reduce risk, while simultaneously maximizing returns for our private investors. For example, on loans secured by Notes and Deeds of Trust on real property, we focus on the high-end of the market with an emphasis on coastal properties: La Jolla, Del Mar, Solana Beach, Encinitas, Cardiff, Carlsbad, Santaluz, Rancho Santa Fe. We've also done business in coastal Orange County communities such as Newport Beach and Dana Point. The reason is simple: these areas are historically less vulnerable to market swings than inland areas simply because the underlying properties are in shorter supply, and therefore higher demand. Furthermore, when property changes hands in these areas, buyers often pay with cash, thus eliminating the need for bank financing, which we know to be quite challenging in this market climate.

We welcome the opportunity to work with clients of "all shapes and sizes" – borrowers who need help securing financing for worthwhile projects, and investors who would like to earn significantly above-market returns by allocating a portion of their investable assets into real estate-secured loans and investments, while simultaneously reducing the ups and downs of the stock market. We are committed to doing our absolute best to earn your trust and confidence.


Jim Lackey is a licensed real estate broker, CalBRE # 01457183, NMLS # 277266.