Company History

Jim Lackey Associates has been helping clients obtain financing for a wide variety of needs since 2005. In most instances, all parties involved benefited from our efforts: borrowers received funds for loans that needed funding, investors received above-market interest, and our firm was compensated for its efforts. It should be noted that while the vast majority of our loans had favorable outcomes, not all loans we facilitated ended as anticipated. Some were casualties of the market downturn; a few investors lost money. Following is a chronology of loans arranged by Jim Lackey Associates, starting with the most recent and going back to our inception in 2005.

Private Real Estate Loans facilitated by Jim Lackey Associates:

2024:

• $1,500,000 loan to purchase a Single-Family Home in Oceanside, CA
• $5,750,000 construction loan to build a 10,000sf spec home in Rancho Santa Fe, CA
• $5,700,000 loan to refinance an industrial property in Sylmar CA
• $1,550,000 loan to refinance an industrial property in Temecula, CA
• $1,000,000 loan to refinance a Single-Family Residence in Hillcrest, CA
• $1,250,000 loan to refinance a 5-unit apartment building in San Diego, CA
• $975,000 loan to refinance a two-unit apartment building in San Diego, CA
• $500,000 loan to purchase an investment property for a 1031 Exchange in Encinitas, CA

2023 - Total Fundings: $26,355,000

• $2,400,000 construction loan to build a corporate retreat in Northern California
• $500,000 business purpose loan to expand a sunglasses business in San Diego, CA
• $900,000 loan to purchase an investment property in Bonsall, CA
• $220,000 to complete construction on a residential property in Carlsbad, CA
• $800,000 loan to refinance a rental property in Carlsbad, CA
• $1,200,000 loan to complete construction of a residential property in Point Loma, CA
• $1,300,000 loan to complete construction of a residential property in Granite Point, CA
• $850,000 bridge loan to purchase a new residential property outside CA
• $2,700,000 loan to build a residential investment property in Ventura, CA
• $1,000,000 loan to complete construction of a residential property in Rancho Santa Fe, CA
• $660,000 refinance loan for a duplex in La Jolla, CA
• $900,000 purchase loan for a property in Encinitas, CA
• $550,000 bridge loan in San Diego, CA
• $3,150,000 construction loan to build a single family residence in Pacific Beach, CA
• $375,000 bridge loan to purchase a new residence in Oceanside, CA
• $1,300,000 construction loan to grade a residential project in Encinitas, CA
• $850,000 construction loan to complete a multifamily project in Chula Vista, CA
• $2,700,000 second trust deed business purpose loan on an investment property in Rancho Santa Fe, CA

2022 - Total Fundings: $28,565,000

• $2,700,000 construction loan to build 10 Single Family Homes in San Diego, CA
• $240,000 construction loan in San Juan Capistrano, CA
• $800,000 refinance of land loan in San Diego, CA
• $4,970,000 construction loan in Oceanside, CA
• $770,000 refinance of a commercial property in Point Loma, CA
• $1,775,000 bridge loan to purchase a new personal residence in Carlsbad, CA
• $400,000 business purpose loan in Solana Beach, CA
• $400,000 business purpose loan in Chula Vista, CA
• $700,000 construction loan in La Jolla, CA
• $1,010,000 construction loan in San Diego, CA
• $750,000 Estate Equalization loan in La Jolla, CA
• $200,000 renovation loan in San Diego, CA
• $4,500,000 purchase loan in La Jolla, CA
• $8,500,000 construction loan to build 19 townhomes in San Diego, CA
• $750,000 loan to equalize a family estate in La Jolla, CA

2021 - Total Fundings: $41,485,000

• $3,250,000 construction loan to build 10 micro housing units in Point Loma, CA
• $750,000 construction loan to complete a Single Family Residence in Carlsbad, CA
• $8,100,000 construction loan to build a luxury residence in Rancho Santa Fe, CA
• $9,300,000 bridge loan to purchase a new residence in Rancho Santa Fe, CA
• $3,900,000 construction loan to build three luxury condos in Oceanside, CA
• $1,000,000 business purpose loan using the borrower’s residence as collateral
• $980,000 loan to complete construction of a single-family residence in Encinitas, CA
• $650,000 loan to purchase a development property near SDSU
• $845,000 construction loan to build a single-family residence and Auxiliary Dwelling Unit in Ventura, CA
• $3,900,000 construction loan to build five residential condos and a commercial unit in Oceanside, CA
• $2,900,000 loan to purchase a development site in Solana Beach, CA
• $800,000 loan to purchase an income-producing property in San Diego, CA
• $300,000 refinance loan on a development property in Oceanside, CA
• $1,750,000 loan to build a private residence in Encinitas, CA
• $300,000 cash-out refinance on a property in San Diego, CA
• $2,900,000 loan to purchase a prime development property in Solana Beach, CA
• $700,000 advance of funds for development project in Mission Beach, CA
• $500,000 refinance of a residential property in La Jolla, CA
• $300,000 purchase loan for a property in Fallbrook, CA

2020 - Total Fundings: $19,310,000

• $300,000 loan to purchase a residential property in Fallbrook, CA
• $1,820,000 loan to purchase a new primary residence in Poway, CA
• $1,700,000 loan to build two single family homes in Mission Beach, CA
• $1,800,000 loan to purchase a new primary residence in San Diego, CA
• $750,000 loan to refinance a single-family residence in Rancho Santa Fe, CA
• $350,000 loan to refinance a single-family residence in Encinitas, CA
• $2,500,000 loan to purchase a new primary residence in Rancho Santa Fe, CA
• $1,440,000 loan to purchase a new primary residence in San Diego, CA
• $200,000 equity raise as part of a multifamily renovation project
• $1,100,000 refinance of business loan
• $500,000 construction completion loan for a project in La Jolla, CA
• $1,700,000 trust equalization loan to settle of family trust
• $2,160,000 construction loan to build two single family residences in Temecula, CA
• $2,250,000 construction loan to build two condos with ADU in Mission Beach, CA
• $2,000,000 construction loan to build either modular townhomes in Escondido, CA
• $550,000 loan to purchase a residential lot in Olivenhain, CA

2019 - Total Fundings: $24,800,000

• $750,000 loan to augment construction financing for a development project in Carlsbad, CA
• $500,000 loan to complete construction on a spec home in La Jolla, CA
• $1,100,000 refinance of a single-family residence in Poway, CA
• $980,000 bridge loan to purchase a new home in San Diego, CA
• $800,000 loan to purchase a commercial property in Ramona, CA
• $300,000 loan on a vacant parcel in Oceanside, CA
• $320,000 equity raised for development project
• $260,000 loan made to a Trust in order to settle the estate of the beneficiaries’ deceased parents in El Cajon, CA
• $600,000 construction loan to build a new Single-Family residence and Accessory Dwelling Unit (“ADU”) in Oceanside, CA
• $700,000 loan to construct a new Single-Family residence to be occupied by the client in Carlsbad, CA
• $340,000 cash-out loan to assist the client’s investment in his growing real estate development business.
• $350,000 cash-out loan to further invest in the client’s biopharmaceutical start-up business in La Jolla, CA
• $850,000 bridge loan to facilitate the purchase of a new personal residence in San Diego, CA
• $700,000 loan to complete construction of a Single-Family home in Poway, CA
• $3,900,000 loan to refinance a development project in San Diego, CA
• $500,000 loan to complete construction on a Single-Family residence in La Jolla, CA
• $650,000 refinance of an entitled lot in coastal Oceanside, on which three luxury condominiums will be constructed
• $4,800,000 construction loan to build six high-end condominiums in Carlsbad, CA
• $500,000 loan on a personal residence for investment in a commercial transaction
• $340,000 loan to a family estate to protect their home from foreclosure
• $600,000 equity investment in multifamily repositioning property
• $500,000 loan on investment property in La Jolla, CA
• $740,000 loan on investment property in Rancho Santa Fe, CA

2018 – Total Fundings: $23,255,000

• $745,000 loan on investment property in Rancho Santa Fe, CA
• $400,000 refinance for investment property in Ocean Beach, CA
• $2,500,000 refinance of single-family residence in La Jolla, CA
• $900,000 purchase loan for investment property in Poway, CA
• $1,300,000 refinance of investment property in Point Loma, CA
• $100,000 equity participation in a multifamily repositioning project
• $4,300,000 loan to build a 7,400sf spec home in Rancho Santa Fe, CA
• $200,000 loan to purchase and renovate a single-family residence in San Diego, CA
• $3,220,000 purchase loan for a new residence in San Diego, CA
• $540,000 bridge loan to facilitate the purchase of a new residence in Poway, CA
• $1,950,000 construction loan to build three townhomes in North Park, CA
• $450,000 equity investment in multifamily repositioning project in Granbury, TX
• $600,000 loan to fund business expansion in Orange County, CA
• $300,000 cash-out loan to continue funding a development project in Rancho Santa Fe, CA
• $175,000 loan to settle a family estate in Los Angeles, CA
• $1,200,000 acquisition loan for property in Rancho Santa Fe, CA, on which a spec home will be constructed
• $1,500,000 loan to complete construction on a residence in Del Mar, CA
• $1,400,000 loan using multiple properties in La Jolla, CA as collateral to finance continued business expansion
• $175,000 loan for business purposes, in Bonita, CA
• $150,000 loan to settle a probate
• $570,000 bridge loan to facilitate the purchase of a new residence
• $600,000 loan to settle business disputes

2017 – Total Fundings: $30,665,000

• $320,000 loan to purchase a development property in San Diego, CA
• $1,300,000 refinance of a residential subdivision in Oceanside, CA
• $3,375,000 loan to purchase a commercial property in San Diego, CA
• $200,000 loan to purchase a development site in San Diego, CA
• $300,000 loan to fund the growth of the borrower's business.
• $350,000 loan to purchase a residential lot in Rancho Santa Fe, CA
• $240,000 loan to finance soft costs for a multifamily development project in North Park, CA
• $1,000,000 equity investment to partner on construction and sale of two residential units in San Diego, CA
• $1,300,000 loan to settle a family estate partition in Rancho Santa Fe, CA
• $500,000 Line of Credit in Rancho Santa Fe, CA
• $525,000 bridge loan to purchase a new owner-occupied residence in Encinitas, CA
• $1,300,000 loan to purchase an investment asset in Solana Beach, CA
• $3,375,000 loan to purchase a commercial property in San Diego, CA
• $1,600,000 loan to purchase and renovate SFR in Point Loma, CA
• $1,500,000 loan to construct four apartment units in Old Town (SD), CA
• $500,000 construction loan in Dana Point, CA
• $3,500,000 loan to build two spec homes in La Jolla, CA
• $2,450,000 loan to build six townhomes in North Park, CA
• $330,000 loan to purchase a home for renovation in San Diego, CA
• $1,300,000 loan to design a custom home in Rancho Santa Fe, CA
• $4,400,000 bridge loan to purchase a home in Rancho Santa Fe, CA

2016 - Total Fundings: $20,820,000

• $550,000 purchase loan for development, Mission Bay, CA
• $500,000 loan to purchase investment property in Carlsbad, CA
• $1,300,000 construction loan, Encinitas, CA
• $950,000 construction loan to complete a residence in Dana Point, CA
• $1,500,000 construction loan to build apartment project, San Diego, CA
• $650,000 refinance, residential property, Del Mar, CA
• $1,800,000 "fix and flip" loan, La Jolla, CA
• $1,400,000 loan on commercial property, San Diego, CA
• $775,000 purchase loan, Encinitas, CA
• $1,800,000 construction loan, Rancho Santa Fe, CA
• $375,000 refinance to settle family estate, San Diego, CA
• $800,000 purchase loan, San Diego, CA
• $300,000 purchase loan, Point Loma, CA
• $600,000 purchase loan, Pacific Beach, CA
• $260,000 purchase loan, Encinitas, CA
• $360,000 refinance, San Diego, CA
• $1,300,000 refinance, Point Loma, CA
• $800,000 purchase loan, San Diego, CA
• $3,800,000 purchase loan, Corona Del Mar, CA
• $400,000 refinance, La Mesa, CA
• $600,000 purchase loan, Pacific Beach, CA

2015 - Total Fundings: $24,675,000

• $1,800,000 construction loan, Rancho Santa Fe, CA
• $500,000 construction loan, La Jolla, CA
• $400,000 purchase loan for renovation property, Solana Beach, CA
• $795,000 purchase loan, investment property, San Diego, CA
• $1,000,000 construction loan, Rancho Santa Fe, CA
• $2,600,000 commercial purchase loan, Los Angeles, CA
• $795,000 residential purchase loan, San Diego, CA
• $200,000 residential renovation loan in San Diego, CA
• $360,000 residential renovation loan in Monterey, CA
• $450,000 residential purchase loan in Rancho Santa Fe, CA
• $685,000 refinance of investment property in La Jolla, CA
• $600,000 residential purchase loan in San Diego, CA
• $100,000 residential renovation loan in San Diego, CA
• $2,200,000 purchase and construction loan for three spec residences in Pacific Beach, CA
• $1,850,000 purchase and construction loan for a spec home in Rancho Santa Fe, CA
• $1,000,000 purchase and construction loan for two spec residences in North Park, CA
• $1,000,000 refinance of commercial property in San Diego, CA
• $1.4m purchase loan for pending construction of four spec residences in Carlsbad, CA
• $500,000 construction loan for spec home in Del Mar, CA
• $350,000 cash out refinance, La Jolla, CA
• $1,250,000 refinance of commercial property in Carlsbad, CA
• $350,000 purchase loan for pending new construction project in North Park, CA
• $3,700,000 construction completion loan in Palos Verdes, CA
• $500,000 purchase loan for renovation project, Elfin Forest, CA

For further information, please contact us.

Examples of Funded Projects

Rancho Santa Fe, CA


Del Mar, CA


La Jolla, 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

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