Sterling Pacific Financial
Overview
Sterling Pacific Financial is a California-based real estate finance and investment firm focused on real estate-backed lending, asset management, and investment oversight. The firm's roots date to 1998, when the Fischer family began lending against California real estate, and its work before that was hands-on: acquiring, repairing, and restoring distressed property along the Central Coast. That operating history, rather than a purely financial model, is what the firm's underwriting is built on.
Sterling's experience spans private lending, bridge financing, real estate investment, development, and portfolio oversight across California markets. The firm is among the state's established private trust deed investment specialists, connecting investor capital to property through disciplined underwriting and long-term borrower relationships.
How Sterling Underwrites
Hands-on property knowledge: decisions grounded in direct experience of building and restoring California property, not financial models alone.
Disciplined review: collateral, structure, timing, and risk examined on every transaction.
Long-term relationships: repeat borrowers and investors built on trust and practical understanding rather than transaction volume.
Regional focus: a California concentration, centred on the Central Coast and Northern California, where the firm underwrites markets it knows directly.
Role in Sterling Core Income Fund I
For Sterling REIT, Sterling Pacific Financial serves as the manager, responsible for investment strategy, asset evaluation, capital allocation, portfolio oversight, and investor communication.
Sterling Pacific Financial is headquartered at 1205 Freedom Blvd., Watsonville, California, and holds California Financing Law License #605 4217.
Investment Strategy
Sterling Pacific Financial pursues income before appreciation. The firm acquires and finances income-producing real estate in regional California markets where an asset holds a clear competitive advantage, then operates it efficiently and pays down leverage over the hold rather than using debt to amplify returns.
The intent of that low-leverage approach is to preserve investor capital, reduce interest rate sensitivity, keep cash flow stable enough to support durable distributions, and grow equity ownership in the underlying assets over time. Target property types include self-storage, multifamily, retail, office, and small mixed-use assets, selected for existing cash flow rather than for a repositioning story.
