Pacific Freedom Fund | Pacific Private Money

7-9%

Fixed Preferred Return

$50K

Minimum Investment

Monthly

Distribution Schedule

Watch the Webinar to Learn More

Join Mark Hanf, CEO, and Nam Phan, COO of Pacific Private Money, for an exclusive educational webinar that dives deep into the Pacific Freedom Fund, a high-yield, short-term mortgage lending fund designed for accredited investors seeking stable returns and diversification.

What You’ll Learn:

What is the Pacific Freedom Fund?
Understand the structure, objectives, and unique benefits of investing in a fund focused on short-term loans secured by real estate.

Why Choose the Pacific Freedom Fund?
Discover how the fund offers potential returns of 7-10% annually and monthly distributions, making it an attractive option for those seeking flexible investment opportunities.

Who Can Benefit?
Learn why this fund is ideal for accredited investors looking for consistent returns with the security of first-position loans, diversified across various asset types.

How Does the Fund Work?
Gain insights into the fund’s loan acquisition strategy, including its focus on residential and small commercial properties, and how recent market conditions have heightened demand for these loans.

Disclaimer: This presentation is for informational purposes only and does not constitute an offer to sell or the solicitation of an offer to buy any securities mentioned herein. Any such offer or solicitation will be made exclusively to qualified accredited investors through a private placement memorandum and only in jurisdictions where such an offering is legally permitted.

Get Instant Access to the Pacific Freedom Fund Fact Sheet & Executive Summary

Discover how the Pacific Freedom Fund can help you earn 7-9% targeted returns through real estate-secured investments. Get your Fact Sheet and Executive Summary delivered straight to your inbox and explore how this private mortgage fund offers passive income, monthly distributions, and portfolio diversification.

Why Choose the Pacific Freedom Fund?

The Pacific Freedom Fund is structured to maximize investor returns while maintaining conservative risk management practices:

7-9% Targeted Returns – Fixed-income potential significantly higher than traditional savings and bond markets.
First-Position Lien Loans – Loans are backed by tangible real estate assets, ensuring security.
Short-Term Lending Strategy – Loans are designed to be repaid or refinanced within 12 months, reducing exposure to market volatility.
Accredited Investor Focus – A private money lending fund catering to investors looking for secure passive income investments.
No Active Management Required – The fund’s expert team manages all underwriting, servicing, and risk mitigation.

Why Invest in Short-Term Mortgages?

Investing in short-term mortgage funds like the Pacific Freedom Fund provides numerous benefits:

Passive Investment – Secure and Hassle-Free

Unlike direct real estate ownership, where investors must manage tenants, repairs, and legal risks, investing in a private mortgage fund is completely hands-free. The fund’s experienced management team handles loan origination, underwriting, and servicing, ensuring that investor capital is strategically deployed and managed for maximum returns.

Higher Yields – Earn 7-9% Annually

Short-term mortgages typically carry higher interest rates than traditional real estate loans. This translates into higher yields for investors, often outperforming bonds, CDs, and traditional fixed-income investments.

Inherent Safety & Risk Control

Unlike stocks and bonds, which are susceptible to market volatility, investments in private mortgage funds are backed by tangible real estate assets.

Conservative loan-to-value (LTV) ratios ensure that loans are well-secured.
If a borrower defaults, the fund has contractual rights to seize and liquidate the property, minimizing investor risk.

Diversification – A Stable Alternative Investment

The Pacific Freedom Fund allows investors to diversify their portfolio beyond stocks and bonds by offering exposure to real estate-backed mortgage loans.

Loan portfolios are spread across single-family homes, multi-family properties, and small commercial real estate, reducing risk through diversification.
The fund continually adjusts loan rates to reflect market conditions, ensuring resilient, high-yield performance.

Monthly Cash Flow & Liquidity

The Pacific Freedom Fund is structured to generate steady passive income for investors through monthly interest distributions.

Investors benefit from predictable cash flow without the headaches of managing rental properties.
Unlike long-term investments, this fund offers relative liquidity after the 12-month lockup period, allowing for redemptions based on fund availability.

Inflation Protection – Real Estate-Backed Security

Real estate has historically been an effective hedge against inflation. As inflation rises, so do property values and mortgage interest rates, allowing funds like Pacific Freedom Fund to continue delivering strong, inflation-adjusted returns.

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.

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 ..."

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 ..."

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. ..."

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 ..."

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 ..."

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 ..."

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 ..."

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 ..."

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 ..."

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 ..."

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 ..."

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 ..."

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 ..."

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 ..."

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 ..."

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 ..."

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 ..."

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 ..."

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 ..."

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 ..."

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. ..."

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.

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 ..."

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 ..."

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 ..."

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.

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 ..."

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 ..."

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 ..."

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 PPMI and drove to question them in their Novato office.. Mark ..."

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 ..."

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 ..."

Arlene S.

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

David M.

Individual Investor

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

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 ..."

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 ..."

Sky P.

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 ..."

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 ..."

Arthur S.

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 ..."

Mary M.

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 ..."

Kathleen B.

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, ..."

Russell R.

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 ..."

Eric A.

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 ..."

James C.

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 ..."

David H.

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 ..."

Frequently Asked Questions (FAQs) – Pacific Freedom Fund

What is the Pacific Freedom Fund?

The Pacific Freedom Fund is a private mortgage fund that provides short-term, real estate-secured loans to borrowers while offering accredited investors the opportunity to earn passive income with monthly distributions and targeted returns of 7-9% annually.

How does the Pacific Freedom Fund generate returns?

The fund primarily invests in short-term bridge loans secured by first-position liens on real estate. Borrowers pay interest on these loans, which generates income for the fund. Investors receive monthly distributions from the fund’s earnings.

What are short-term mortgages and bridge loans?

Short-term mortgages, also known as bridge loans, typically have a term of one year or less and are used to finance real estate transactions quickly. These loans often have higher interest rates but are secured by real estate and typically require lower loan-to-value (LTV) ratios, making them a low-risk mortgage fund investment.

Who is eligible to invest in the Pacific Freedom Fund?

The fund is available exclusively to accredited investors, as defined by the SEC. This typically means individuals with:

A net worth of $1 million+ (excluding primary residence)
An annual income of $200,000+ (or $300,000 for joint filers)

What are the expected returns?

The fund targets annual returns of 7-9%, with monthly distributions for investors. Returns may vary based on market conditions and fund performance.

How often will I receive distributions?

Investors receive monthly distributions from interest earned on loans within the fund.

Is my investment secured?

Yes. The Pacific Freedom Fund invests in real estate-backed mortgage loans, primarily first-position lien loans, which means they are secured by tangible real estate assets.

What is the minimum investment amount?

The minimum investment required to participate in the Pacific Freedom Fund is $100,000.

What is the lockup period for my investment?

The fund has a 12-month initial lockup period, after which investors may request redemptions, subject to fund liquidity and management approval.

Can I reinvest my earnings?

Yes. Investors have the option to reinvest distributions for compound growth or receive them as monthly income.

How is the Pacific Freedom Fund different from other investment options?

Unlike traditional investments in stocks, bonds, or rental properties, the Pacific Freedom Fund offers:

Higher yields than most fixed-income investments
Passive income without the hassle of property management
Lower volatility compared to stock market fluctuations
Real estate-secured investments for capital protection

What types of properties does the fund invest in?

The fund focuses on short-term mortgage lending secured by Non-owner-occupied single-family residential properties.

Does the fund use leverage?

No. The Pacific Freedom Fund does not use leverage, meaning all loans are funded entirely with investor capital, reducing risk exposure.

How does the fund handle defaults?

The fund’s conservative underwriting standards minimize default risk. If a borrower defaults, the fund has the legal right to foreclose on the property and liquidate assets, ensuring investor protection.

Can I withdraw my investment at any time?

The fund requires a minimum 12-month lockup period. After that, investors may submit redemption requests, which are subject to fund liquidity and manager approval.

What happens if I need to exit before the lockup period ends?

Early redemptions are not permitted within the first 12 months. However, after the initial lockup period, redemptions may be processed based on fund liquidity.

Are there any management fees?

Are there any tax benefits to investing in the Pacific Freedom Fund?

Yes. The fund may offer tax advantages such as:

Qualified Business Income (QBI) deductions
Deferred tax benefits if held in a self-directed IRA
Interest income taxation at potentially lower rates

Investors should consult their tax advisor to explore specific benefits.

Can I invest using my retirement account?

Yes! The Pacific Freedom Fund is eligible for investment through self-directed IRAs (SDIRAs), allowing investors to grow their retirement savings tax-efficiently.

Disclaimer:

Risk & Investment Disclosure: Investing in real estate-related loans involves risk, including the potential loss of principal. Past performance is not indicative of future results. Prospective investors should perform their own due diligence and consult with independent financial and legal advisors before making any investment decision.

Securities Disclosure: This webpage is for informational purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any securities. Any such offer will be made only through a Private Placement Memorandum (PPM) and only to qualified accredited investors in jurisdictions where permitted by law.