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Jim Lackey Associates Offers Hard Money Loans for Real Estate and Construction Financing

Access to capital - whether debt financing or equity infusion - is the life blood of business - and a strong economy. Without the ability to borrow money or find private equity investors, businesses can struggle to meet obligations and/or achieve growth. In some cases, the absence of investment capital can spell failure for the business itself.

These are unprecedented economic times in which traditional sources of capital - banks, credit unions, insurance companies, etc. - have become increasingly restrictive in their lending practices, often unwilling to lend to even the most credit-worthy of clients.

Private Equity Capital for Real Estate Investing

Fortunately, there are alternatives available. Jim Lackey Associates specializes in filling the void left by institutions by introducing private sources of capital, sometimes known as "hard money lenders" - high net worth individuals, private investors, family offices and private consortia - to finance quality loans, as well as to provide the infusion of equity to worthy projects. Whether to facilitate business expansion, complete residential or commercial development projects, building construction on a new home (even a speculative "for sale" project), consolidate or refinance short-term debt - at times even providing substantial amounts of cash out to the borrower - inject private equity capital into a business, even for short term financing, these private capital resources provide a critical bridge to growth and long-term, permanent financing.



My experience with Jim Lackey was excellent! I had previously built a home as an Owner Builder; this is where you act as your own General Contractor. Although it is a lot of work you get more bang for your buck. What lead me to Jim was his 'testimonials'. His lenders and the borrowers both had great experiences! When the brick-and-mortar banks didn't want anything to do with me as an Owner Builder, I reached out to Jim. I showed him my previous project and he was onboard. When I had difficulty refinancing the balloon payment by the end of the 12-month term, he was able to extend my loan 3-months. What a relief that was. Jim is a pleasure to work with and I look forward to our next project together.
Simon Blanco, Owner Builder

Dear Jim, I wanted to take this opportunity to thank you for helping me place a bridge loan to buy my new home. It would not have been possible without your help. While my other property was in a long and complicated escrow, I had a strong possibility of loosing the new home and my escrow deposit. With your persistence and guidance you made me comfortable by explaining the process while staying ready as you knew my escrow could have closed at any time. Due to your professionalism and trust, you won the loan and helped me out of a stressful situation. Barbara was terrific with the processing and documentation. You and your team made this easy and seamless. I would not hesitate to refer you and your team or utilize your services again. Thank you again.
Dwayne K., San Diego, CA

I met Jim while in the midst of working to close a complex real estate deal in Rancho Santa Fe. Jim was a consummate professional from the time we met till the close of the deal and beyond. He provided guidance to navigate the deal, was successful in connecting me with a lender and made it a point to make the personal connection between me and the lender. Since the close of the deal, Jim has taken a genuine interest in the project. He continues to follow up with me and my team on the status of the project. Jim has gone out of his way to make introductions to subcontractors, personally check in on the job, and help in any way he can. To say it's been a pleasure to work with Jim would be an understatement. I have no reservations whatsoever about recommending him.
T. Van Damm, Rancho Santa Fe, CA

Jim, I wanted to thank you for your tireless efforts on behalf of Radio Tower View, LLC. You have successfully and efficiently handled all of the companies' needs in connection with real estate development and construction financing. The financing arranged by you has been both timely and competitive. I am especially appreciative of all the post-financing follow up, including negotiation and consummation of modifications and extensions as needed. Because I value integrity most of all, I would highly recommend you to anyone seeking real estate financing, whether for land acquisition, development, construction or otherwise.
S. McKinley, Rancho Santa Fe, CA

I started working with Jim two years ago as an investor. I make my decisions very carefully, since my hard-earned money took many years and extraordinary effort to accumulate. Jim has brought me seven deals to invest in and all have performed exceptionally well. All properties that I have loaned against are prized possessions of the owners and we have never had any issues of delinquencies or default. Working with Jim and his team has been very professional, which is very important to me. In a nutshell, working with Jim and his team has been very satisfying.
E. Larson, Encinitas, CA

We would like to thank Jim for all his hard work with the refinance of our home. We really thought we had run out of options until he came along with his experience and knowledge. Jim had all the different resources available to help us and we are just so thankful!
Mike and Gayle M.



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