Family of Funds

Pacific Private Money recognizes that there exists a wealth of investment options to choose from. For investors looking for alternative investment funds that avoid the volatility of the stock market or the modest growth of traditional retirement investments such as an IRA, we offer four distinct, secure, high-yield investment funds, depending on your desired level of involvement.

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Pacific Freedom
Fund
Pacific Opportunity Fund North Star
Capital Fund
Pacific Southwest
Note Fund
Financial Strategy Short-term
mortgages for resale
A mortgage REIT Fund California
construction loans
Discounted seller
carry-back notes
Financial Objective 7%-9%* 10%+ 9%-10% 8.0%
Preferred Return 7.0% Fixed 8.0% 8.0% 8.0% Fixed
Minimum Investment $250,000* $100,000 $100,000 $50,000
Lockup Period Not Enforced 12 months 12 months Not Enforced
Liquidation Terms 30 Day Notice 30 Day Notice 30 Day Notice 30 Day Notice
Distribution Schedule Monthly Quarterly Quarterly Monthly
Use of Leverage No Limited Up to 33% Optional, to 25%
Assets Under Management $50M $1M $32M $4M
Fund Launch Date May 2020 Jan 2023 July 2020 August 2020
Learn More Learn More Learn More Learn More

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Interested In Whole or Fractional Notes?

Invest in all or a portion of a single real estate secured loan. Also known as Trust Deed investing, these loans typically pay from 8% to 10% depending on LTV and priority position.

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Private Money Loans Website Graphic | Pacific Private Money

Track Record

2200

Loans Funded

1900

Loans Paid Off

0

Loan Losses

$1.3B

Deployed Since 2008

<1%

Loan Default Rate

7.5%+

Average Annual Yields Paid to Investors

Pacific Private Money funds, on average, 20-30 loans per month. Below are a few of our recently funded loans.

$680,000

Fix & Flip

LTV52%
Term12 months
LocationOakland Hills, CA
Lien Position1st

$245,000

Commercial

LTV37%
Term18 months
LocationOakland, CA
Lien Position1st

$330,000

Non-Owner Occupied, Rehab

LTV70%
Term11 months
LocationPittsburgh, CA
Lien Position2nd

What Our Investors are Saying

Joel L.

Investor

I've bought three notes from Mark this year. They are good clean deals and I will continue buying from Mark. I've been a note investor for almost 30 years.

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Grant L.

Investor

My experience with Pacific Private Money has been one where they have responded to any and all of my questions in a prompt manner. Nam and all staff members have been ..."

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John S.

Investor

I've been with Pacific Private Money for years. Depending on my immediate desire for either high rate of return or freedom to withdraw capital easily, I've invested in first ..."

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Doug B.

Investor

I was an investor in Pacific Private Money Inc. for over five years. My investment consistently performed as advertised throughout the five years, and I had no difficulty ..."

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Carolyn C.

Investor

I’ve been a highly satisfied investor with Pacific Private Money Fund I since 2014. I’m impressed with the competence, integrity, and transparency of PPM’s management team. ..."

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Paul N.

Investor

We invested the minimum in the flagship, but had our reservations at first. We have been working with the Office Manager, Andrea,  and her customer service skills have been ..."

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Tom T.

Investor

I've been invested in the PPM fund via my IRA for just over two years. Nam facilitated a very informative initial due diligence meeting with Mark Hanf in which all of my ..."

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Tim B.

Investor

Pacific Private Money provides my ideal balance of security and liquidity. The PPM Fund gives me regular monthly income at a steady but profitable rate, backed by solid RE ..."

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Beth J.

Investor

I invested a couple of years ago 100k in your mortgage fund. You were recommended by Marion W. I was not familiar with how the fund worked at the time, but it has been a ..."

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Andrew C.

Investor

Although I’m a relatively new investor starting in February 2020, I’ve found people at Pacific Private Money very professional, efficient and friendly. My funds were quickly ..."

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Richard L.

Investor

As a new investor in PPM, I appreciate the responsiveness and professionalism that I have received. Whenever I have a question, either Nam or Andrea respond quickly and ..."

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Eric D.

Investor

I first learned about Mark and Pacific Private Money in 2013 through Marin Magazine, and also from seeing his office when driving through downtown Novato. I invested into his ..."

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Issa A.

Investor

I have been a customer for 3 years, and I have been completely satisfied with the level of service and performance of Pacific. The staff are professional and took care of all ..."

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Nicole S.

Investor

I was introduced to PPM three years ago while finishing up my divorce. I was new to managing my investments, and am so appreciative of the thorough education on PPM that I ..."

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Michael K.

Investor

Great experience working with PPM personnel. The return on investment were as promised and more averaging between 7.5% to 8% compounded interest. Mark Hanf is a professional ..."

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Bill B

Investor

As a long time money manager and investor with Pacific Private Money, I was attracted to the secure investment benefits the PPM pool fund presents. I’m a big believer in ..."

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Mikol D.

Investor

I have been an investor with Pacific Private Money along with my 95 year old mother and my sister. They were referred by our trusted financial advisor. He is extremely ..."

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Steven J.

Investor

I was impressed with the knowledge of the industry this team has. Very transparent discussions and data in the monthly reporting process. I have been pleased with the results ..."

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Ed R.

Investor

Last year when I sold an investment property owned by my self directed IRA, I needed a place to put the money and get a solid return on my investment. Pacific Private Money ..."

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Joseph Z.

Investor

I have been a client with PPM for over 6 yrs, and I have invested in several trust deeds. Some were first TD's and some were 2 TD's. All have paid on time and never had a ..."

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Lee L.

Investor

My wife and I have been with Pacific Private Money for many years. Their staff is incredibly responsive, honest and most helpful. We could not possibly have received the ..."

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Richard R.

Rehabber & Client

Mark Hanf and his Pacific Private money team are incredible. Mark is courteous and professional, his attention to detail and hands on approach translate into smooth and ..."

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Joel

CEO

Hey Mark - I'm back in the country and just wanted to drop you a line to say thanks to you and your team for a job well done. It was smooth and most important, you made me ..."

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Brian K.

Operations Manager for the Legacy Group

We rely on Mark Hanf and his Pacific Private Money team for many of our property purchases in Northern California. We do multiple deals each month, and some of those are in ..."

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K. S.

Real Estate Owner

Exactly by the date that Mark and Lisa projected, I received my funding. This was my first time having to resort to "hard" money, but had I the luck of contacting Mark and ..."

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Lance C.

Real Estate Investor

I have been working with Mark Hanf and the crew at Pacific Private Money Loans for a while now. The professionalism and speed Mark's team operates is second to none. ..."

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Mihael L.

Investor

Mark and his team were very helpful in putting my Fairfield, Ca. deal together. I will use them for future deals. They understand the need to move quickly.

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Salvatore R.

Senior Vice President

Hi Mark, I want to thak you and your staff for working diligently on behalf of Claudia and myself in educating us in investing in deeds of trust. Your staff has gone the ..."

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Doug C.

Mark has been helping me build my IRA securely over the last 3 years by investing in the fund and in private loans. He has always been available to answer questions. His ..."

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Scott B.

Mortgage Investor

I really cannot say enough about Mark and his team who saved my client his very important transaction. My purchase loan with an institutional lender went sideways the day ..."

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Joel L.

Investor

I've bought three notes from Mark this year. They are good clean deals and I will continue buying from Mark. I've been a note investor for almost 30 years.

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Mike H.

Business Owner

Mark and the entire staff at Pacific Private Money Loans are awesome. They had to rush to get my deal done, and although it was a lot of work it was accomplished earlier than ..."

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Joe A.

DDS & Real Estate Investor

Mark Hanf & his company are brilliant and so committed to client satisfaction! Our first contact resulted in a confirmed successful loan in approximately 5 hours! Since ..."

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A.L.

Homebuyer

We were very pleased with the loan we received from Pacific. The service from the staff, including Rick, Jordynn and Mirka was very good. They were always response and ..."

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J. Z.

Independent Financial Advisor

I was looking for a low risk investment to increase my return on my bank deposits. I discovered Mark Hanf and PPMl and drove to question them in their Novato office.. Mark ..."

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Anonymous

Thank you, thank you, thank you to Rick and Mike from Pacific Private Money. These two absolutely terrific guys helped us refinance our property and literally turned our ..."

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Gregory R. H.

Developer

We had a loan which was impossible via conventional lending. Pacific Money got us the funds we requested and more. A fantastic team and I am now recommending them to my ..."

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Tom Z.

Pacific Money presents solid lending opportunities and processes transactions with detail and care. I've been impressed with every member of the team and highly recommend ..."

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Suzi

Entertainment Professional

As an executive working in the entertainment business, I couldn't be more difficult to please, which is why I couldn't be happier recommending Pacific Private Money. They are ..."

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Arlene S.

We have invested in mortgages with Pacific Private Money and have found them professional, competent and reliable.

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David Michalek

Individual Investor

PPM continues to do an excellent job. Their staff is professional and helpful. Most importantly they communicate clearly and effectively.

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Anonymous

The team at Pacific Private Money are extremely knowledgeable and do their best to assist you. The customer service is stellar. Quality service and people, high intelligence, ..."

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Gaelon

Owner

Pacific Private Money is as advertised they get the job done period. The staff is efficient, knowledgeable, and they have someone is place for every step of the way. They ..."

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Anonymous

Property Owner

Five stars. Prompt "yes" and delivered as promised in very efficient, timely, and common sense manner.

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Vivien

Owner of Weller House Inn

I can highly recommend Pacific Private Money. They met my needs promptly, in spite of unusual details which had been too challenging for several other hard money lending ..."

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Sky Pace

CEO of Brix Beverage

Using Pacific Private Funding to complete a 2nd on my home was not only one of the easiest things I have ever experienced in the lending arena, but the fastest as well. The ..."

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Brandon

New Home Owner

Pacific Private Money saved me. I was in contract to buy a house and a week before Close of escrow our loan was declined. I called Pacific Private Money and they looked at ..."

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Arthur H. Sutter

Retired CEO

I have done business with Pacific Mortgage for almost 5 years. Before my retirement I was CEO of two companies which did business in Mortgage Loans and Real Estate. The ..."

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Mary Marcina

Lender

A trusted friend recently recommended Pacific Private Investments. From my initial contact until completion of my first loan funding, I felt in the caring hands of a ..."

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Kathleen Bowman

Entrepreneur

My whole transaction with Pacific Private Money was very professional and extremely easy!!! They followed through exactly with the quotes I first received. In my opinion, ..."

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Russell Roesner

Broker and Borrower

Mark is one of the good guys in the private lending business. He is intelligent, hard working, reliable, and most important, honest as well. I would recommend doing business ..."

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Eric Andrewsen

Investor

After retiring from the buy-remodel-sell real estate business, it was only natural for me to go into the business of lending to people in the same line of work, as well as ..."

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James Clifford

President of Beach Street Builders, Inc.

Pacific Private Money did an outstanding job with our transaction, they were timely, came through on their commitment, very attentive and professional. I would highly ..."

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David Hidalgo-Foster

Investor

Very experienced and resourceful Lender. Fast response time help us close deals and excel in our industry. I highly recommend contacting PPM, they funded one of my rehab ..."

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FAQ

Find answers to common questions about alternative investment funds. These high yield funds can be a great way to diversify your portfolio . Looking for more info? Explore our in-depth FAQ, covering a variety of topics.

What are alternative investment fund types?

In essence, Alt investments are alternatives to traditional stock, bonds, CD’s and money market accounts. A major difference is that traditional investments are traded on a securities exchange, and most alternative investments are non-traded. These Alt’s are offered directly to investors through broker-dealers, financial advisors or direct from the company offering the investment. Popular Alt’s today include non-traded Real Estate Investment Trusts (REIT)s, Limited Partnerships, Private Placements and real estate-secured deeds. We offer two types of alternative investments, a family of private placement mortgage funds and individual trust deeds. These high yield investment funds and trust deeds can be an important component of a well-performing portfolio. Real estate debt-secured investments offer certain safety and security features that can limit downside in the event of a major market correction.

What is a private placement alternative investment?

A private placement is a type of security that is exempt from full registration under federal securities law. Private placements provide investors with disclosure information through an offering memorandum. This disclosure document, often referred to as private placement memorandum, includes a summary of the offering terms, risks associated with the investment and a full description of the issuing company.

Should I invest in trust deeds or mortgage pool funds?

Which type is best for you depends on your personal investment profile. Alternative funds are a more passive investment, while investing in trust deeds requires active involvement. Another key difference is control. With a mortgage fund, control of how capital is invested resides with the manager. With trust deeds, the investor decides which loan to purchase. Moving some of your profits from traditional investment types to high yielding funds and trust deeds can be one method to re-balance a portfolio.

How is your risk diversified in a High Yield Fund?

High yield investment funds spread the risk over all of the loans in the portfolio. If a borrower defaults on a loan in the fund, this will generally not make a significant impact on the shareholder earnings. This is a result of the risk spread over a great number of loans rather than one.