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Pacific Point Capital

Pacific Point Realty Fund is a direct private money lender based in San Diego, financing residential and commercial real estate in seven Western states. It offers fix-and-flip, rental, commercial, and construction loans from $250,000 to $10 million, with in-house underwriting and asset-based lending.

Details and Requirements

Credit Check Required

yes

Last updated: September 24, 2026

Pacific Point Capital’s Lending Activity
Data Provided By Elementix
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12mo Loan Volume

$134,084,187

12mo Loan Count

77

Total Loan Volume

$757,342,508

Average Loan Size

$1,126,998

Loan Count by State (Past 12 Months)
CA: 70, OR: 3, AZ: 1, WA: 2, CO: 1
Data provided by Elementix | Disclaimer

Company Quick Facts

  • Headquarters: San Diego, California
  • Founder: Jay Winship, CFA, CPA
  • Company Type: Direct private money lender and real estate investment fund
  • Capital Model: Pacific Point Realty Fund invests its own capital in the loans it originates
  • Lending Strategy: Asset-based loans secured by residential and commercial real estate
  • Loan Types: Fix-and-flip, rental, commercial, and construction loans
  • Property Types: Single-family homes, apartments, small commercial properties, and construction projects
  • Geographic Focus: Arizona, California, Colorado, Idaho, Nevada, Oregon, and Washington
  • Loan Amounts: $250,000 to $10 million, with certain exceptions
  • Maximum Leverage: Up to 75% LTV in most cases; higher-LTV and ARV-based loans considered case by case
  • Lien Position: First lien
  • Loan Terms: 6 months to 3 years
  • Origination Fees: Generally 1–2 points, depending on loan size, LTV, and maturity
  • Closing Timeframe: Typically 5–14 days
  • Prepayment: Loans may be paid off partially or in full before maturity without a prepayment penalty

Office Locations

12626 High Bluff Drive, Suite 200 , San Diego, CA 92130

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