#USA #Concord #North Star Fund #Real Estate Loans #John Simonse

North Star Capital Fund: A Trusted Investment Opportunity

Introduction
The North Star Capital Fund, based in Concord, California, is making waves in the investment landscape by offering opportunities focused on real estate-backed loans secured through Deeds of Trust. In an economic environment rife with uncertainty, investors are seeking safer avenues for their funds and North Star delivers a compelling proposition.

Investment Strategy and Philosophy
The Fund's strategy emphasizes conservative financial practices through rigorous underwriting and maintaining low loan-to-value ratios. Unlike many lenders who turn to the volatile practice of quickly funding and selling loans, North Star Capital Fund adheres to a model in which it funds and retains loans until maturity. This commitment creates a stable foundation for investors, allowing them peace of mind in uncertain economic conditions.

John W. Simonse, the Fund Manager, highlights the importance of this strategy, stating, “As market conditions evolve, our commitment to disciplined lending and risk management remains unchanged. This approach positions North Star Capital Fund as a compelling option for investors seeking consistent income and a high level of security.”

Performance and Market Outlook
For Q3 2025, the North Star Capital Fund achieved an impressive 13.6% average APR net return for members who chose to reinvest their distributions. This performance is within the expected target return range of 8% to 10% APR, suggesting sustained profitability. Simonse points to a strong labor market bolstered by job growth and low unemployment rates as fundamental support for buyer confidence and housing demand, which is vital for real estate lending.

“Investors should see the current economic conditions as favorable, particularly as banks are scaling back their construction and bridge lending efforts, paving the way for private lenders to thrive,” Simonse explains.

Experienced Leadership Team
The North Star team, comprised of experienced professionals including John Simonse, Matt Coordes, and Amanda Joseph, prides itself on remarkable customer service and transparent communication. Their clear mission is to provide reliable returns through integrity-driven lending practices and in-depth market knowledge.

Lending Philosophy
At the core of the North Star Capital Fund’s philosophy are time-honored guidelines to mitigate risks. Simonse exclaims, “I will never lend any money on a project that we cannot finish if necessary. I will also never lend any investor money on a loan I wouldn't personally put money into myself.” This personal investment reassures stakeholders of Simonse's commitment to safeguarding their interests.

Target Markets
The Fund exclusively targets markets that Simonse knows well, focusing on the greater Los Angeles area and the San Francisco Bay Area. He intentionally avoids out-of-state lending, privileging areas with robust demographics, strong employment rates, diverse economic drivers, and strict zoning regulations.

Proven Track Record
With a wealth of experience managing real estate construction funds for over 26 years, Simonse stands out in the industry as one of the few fund managers who successfully navigated the Great Recession. He possesses invaluable insights on surviving market downturns and steering through tough times. Looking towards the future, Simonse is determined to maintain a disciplined approach while preserving the transparency that investors value highly.

Conclusion
As 2025 unfolds, the North Star Capital Fund remains committed to advancing its goals and providing an attractive investment opportunity for prospective investors. If you're interested in joining forces with Mr. Simonse and his dedicated team, the Fund is currently open for investment.
For inquiries, please reach out to Amanda Joseph at 925-603-0433 or via email at [email protected].