Loan Programs

A real estate note (or promissory note) is a legally binding document that represents a loan secured by real estate. It outlines the terms of repayment, including the loan amount, interest rate, payment schedule, and consequences of default.

Types of Real Estate Notes:

1. Performing Notes – Borrowers are making payments on time.
2. Non-Performing Notes – The borrower is delinquent or has stopped making payments.
3. Secured Notes – Backed by collateral (e.g., a mortgage or deed of trust).

How Real Estate Notes Work:

• When a property is financed through a loan, the borrower signs a promissory note agreeing to repay the lender.
• The lender or investor can hold onto the note or sell it to another party in the secondary market for immediate cash.

Investing in Real Estate Notes:

Investors can buy real estate notes at a discount, earning returns through interest payments or by restructuring the loan for a profit. Some investors purchase non-performing notes to negotiate with the borrower or foreclose on the property for resale.

Buying and Selling Real Estate Notes

Buying Real Estate Notes

Investing in real estate notes can provide passive income and high returns, often at a lower cost than purchasing physical properties.

Selling Real Estate Notes

If you own a real estate note and want liquidity, selling it can provide immediate cash.

1. Prepare Your Note for Sale
   • Ensure you have all original documents (promissory note, mortgage/deed of trust).
   • Organize payment history and borrower details to increase value.
2. Determine Note Value
   • Buyers assess factors like loan balance, interest rate, property value, and borrower creditworthiness.

Collateralized Lending

Leverage your private notes as collateral for quick and adaptable funding solutions. Feel free to adjust these descriptions to better match your company's tone and the specific services you offer!

A bridge loan from GoTo Private Capital is a short-term financing solution designed to cover the gap between purchasing a new property and selling an existing one. Real estate investors often use these loans to quickly access capital for acquiring new properties or funding renovations while awaiting the sale of another asset.

At GoTo Private Capital, we recognize the importance of speed in real estate transactions. That’s why we prioritize fast approvals and efficient funding, enabling borrowers to act swiftly on investment opportunities.

Our bridge loans offer a flexible and accessible funding option for real estate investors navigating property transitions. With quick approvals, adaptable terms, and dedicated service, GoTo Private Capital is committed to helping investors achieve their real estate goals.

BRIDGE/JUMBO LOAN GUIDELINES

MAX ALLOWED (with excess first loss):

Max 90% (LTV “As Is”)
90% (LTC)
75% (LTV “As Repaired”) With Approval
Up to 90% LTV on “as is” and up to 75% ARV

Term:

Max. 12 Month Loans

Minimum FICO

620

Minimum Loan Amount

$50,000 – Max. $2M

GoTo Private Capital remains committed to your future investments with our Long-Term Rental loan program. This program offers a 30-year term and rates starting at 6.50% to ensure that our customers have true long-term financing options.

Collateral

Non-Owner Occupied 1-4 Family Real Estate; Condos; Townhomes; Planned Unit Development (PUD)

LTV:

Purchase: Lesser of up to 80% of the As-Is Value or Up to 80% Loan-to-Cost
Refinance: Up to 80% of the As-Is Value
Cash-Out: Up to 75% of the As-Is Value

Amortization Options:

30-Year Fixed, Hybrid ARMS (5/1, 7/1, 10/1) & Interest-Only Options Available

Property Values:

“As Is” Appraised Value Must Be $100k or Greater
(Geographical Restrictions May Apply)

Loan Amount:

$55k – $2M

Debt Service Coverage Ratio (DSCR):

1.05

Minimum FICO:

660

Rates:

Starting at 6.50%

Collateral

Non-Owner Occupied 1-4 Family Real Estate; Condos; Townhomes; 5+ Unit Apartments; Mixed-Use Properties

LTV:

Up to 90% of the Purchase Price + 100% of the Renovation Cost; Not to Exceed 75% of the ARV

Term:

12 – 18 Months

Minimum After Repair Value:
$100k for Single-Family
$100k for 2-4 Family
$350k for Multi-Family (5+)/Mixed-Use

Loan Amount:

$50k – $2M for 1-4 Family, Condos, & Townhomes
$250k – $2.5M for Multi-Family (5+)/Mixed-Use

Minimum FICO:

660

Rates:

As Low As 9.99% (Interest Only Charged on Outstanding Balance)

Pre-Payment Penalty:

N/A

See more at our Learn More page...

Your Next Investment Starts Here

Looking for your next real estate investment? We’ve got you covered! At GoTo Private Capital, we offer a diverse inventory, including full rehabs, fixer-uppers, rental properties, and move-in-ready homes—all priced to help you maximize your return on investment. Our listings are always changing, so if you don’t see what you need today, stay connected—we’re confident you’ll find the perfect opportunity soon.

Join Our Investor Buyers List & Stay Ahead

Want first access to new investment properties? Join our investor buyers list and get notified the moment a new property is available. We acquire properties frequently, and the best deals go fast—so make sure you’re at the front of the line!

Sign up today and receive immediate access to our free report on finding your next investment property.

Who We Are & How We Help

GoTo Private Capital isn’t just another real estate company—we’re investors, just like you. We buy, sell, and rent properties, but we are not real estate agents or brokers. Whether you work with us directly or through your agent, we’re committed to helping you succeed. Our mission is to improve neighborhoods while creating outstanding investment opportunities. For questions about agency representation, please contact your local real estate commission.

Partner with Us Let’s work together!

KEY FEATURES:

• Loan amounts up to 7.5MM
• Up to 85% LTV
• Nationwide financing
• First-time investors in commercial are welcome
• Min FICO 660
• Great for qualifying self-employed investors and small business owners

PROPERTY TYPES:

• Apartment Complexes
• Multi-family
• Mixed use (Residential in nature)
• and more

Collateral:

Non-Owner Occupied Single Family Properties, Condos, & Townhomes

Rates:

Starting at 11.29%

Term:

12 Months to 24 Months

Loan Amount:

$100K* – $3M (*Based on Loan Amount)

Minimum Property Value:

$150K** (** As-Completed Value)

Credit Score:

650 Minimum

Max. Allowed Loan Amount:

As is – up to 75%

ARV:

up to 85%

Leverage Based on Experience:

Documented experience in the past three years

GoTo Private Capital offers a variety of resources, including Proof of Funds Letters, Collateral DNA Reports, exclusive Off-Market Lead Lists, and diverse funding solutions to help you achieve your real estate investment goals.

Proof of Funds

Documentation to verify your financial capability to complete a transaction, enhancing your credibility with sellers. Get your proof of funds letter from GoTo Private Capital! Proof of funds letters are often required by real estate agents before they will submit any offers to sellers. Frequently, these letters need to accompany a purchase offer contract in real estate transactions. Obtain yours from us for only $19.97.

Our proof of funds letters are available for investment properties across the nation, except for those located in Arizona, Minnesota, Nevada, Oregon, South Dakota, Utah, or Vermont. 

For the proof of funds letter, we’ll need the following information from you:

• Business or Entity Name (Funding Not Available for Individuals)
• Investment Property’s Full Address
• The Expected Loan Amount

GoTo Private Capital offers financing to investors for the acquisition of non-owner-occupied residential properties (investment properties with up to four units). We are not liable for any misuse of our proof of funds letters, and we do not issue refunds for typographical errors, other inaccuracies, or non-compliance with the stated notices. Furthermore, obtaining a proof of funds letter does not create any obligation between GoTo Private Capital and the recipient.

Collateral DNA Reports

Detailed analyses of property collateral to assess value and investment potential. Get your cdna report (collateral dna report) from GoTo Private Capital!

This comprehensive property valuation is as close as you can get to a professional appraisal without the high cost. For just $34.97, we eliminate the uncertainty in situations where you’re unsure about a potential investment property. This service covers approximately 95% of all residential investment properties across the nation.

Contact us today to get your Collateral DNA Report.

USER EXPRESSLY AGREES THAT THE USE OF THE INFORMATION IS AT THE USERS SOLE RISK. THE INFORMATION IS PROVIDED “AS IS” AND “AS AVAILABLE” FOR USE, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, TITLE, FITNESS FOR A PARTICULAR PURPOSE, AND AGAINST INFRINGEMENT.

Debt Stack Reports

Comprehensive breakdowns of a property's existing debt structure to inform investment decisions. Get your dsr report (debt stack report) from GoTo Private Capital!

The DSR Report (Debt Stack Report) provides essential details about the debts associated with an investment property. It includes information on the primary mortgage holder and the outstanding balance, as well as details on any secondary  mortgages, including the lender and the remaining balance. Additionally, it will identify any tax liens or other liens  on the property. For any successful investor, conducting thorough due diligence before making an offer is crucial. Remember, the most successful offers are those that are well-informed! Contact us today to get your Debt Stack Report.

Information returned in the report varies by state and local justification. Not all information is available in all locations. GoTo Private Capital LLC is not responsible for the amount of information, nor the accuracy or relevancy of the information provided. Some jurisdictions have no information. In those cases, your purchase will be refunded. Debt Stack Reports are not available in Kansas.

Leads in Your Market

Access to exclusive off-market property leads, providing a competitive edge by reducing competition from other investors in your area. Get your off-market property leads from GoTo Private Capital!

Real Estate Investor Leads

Welcome to GoTo Private Capital, where extraordinary opportunities meet astute investors! As leaders in the vibrant field of real estate lead generation, we specialize in offering exclusive leads on non-owner-occupied properties with high equity. These leads are designed to transform your investment possibilities.

At GoTo Private Capital we harness the power of advanced artificial intelligence to discover hidden treasures in the real estate market—properties that are off the radar. Imagine accessing a wealth of opportunities involving absentee owners, properties with substantial equity, and occasionally those in pre-foreclosure or with overdue taxes. Our exclusive AI technology scans the nation to gather lists of these off-market properties, giving you a competitive advantage with little to no investor competition.

Key Features of Our Non-Owner-Occupied High Equity Property Leads:

• Exclusivity
  Unlock access to a handpicked selection of properties that aren’t on the mainstream market, providing you with a distinct edge over other investors.
• AI-Powered Precision
  Our sophisticated AI technology uses advanced algorithms to pinpoint properties featuring absentee owners, substantial equity, and signs of potential distress, delivering leads that match your specific investment criteria.
• Nationwide Reach
  Whether your focus is regional or you’re scanning for opportunities across the country, our AI-driven system efficiently identifies off-market gems nationwide.
• Pre-Foreclosure and Delinquent Tax Alerts
  Stay informed and one step ahead by accessing properties in pre-foreclosure or with delinquent taxes. Our leads offer crucial insights into potentially distressed properties, ideal for strategic investments.
• Reduced Competition
  Benefit from off-market leads that bypass common bidding wars, enhancing your prospects of securing profitable investments.
• Tailored to Your Criteria
  Tailor your search with preferences for location, property type, equity range, and more.
• Our system is engineered to support your unique investment objectives.

At GoTo Private Capital, we equip investors to confidently and accurately explore the real estate market. Whether you’re an experienced investor or new to real estate, our leads on non-owner-occupied properties with high equity unlock opportunities in untapped markets.

Seize the opportunity to transform your investment strategy. Discover our exclusive leads, leverage cutting-edge AI technology, and elevate your real estate investment game with GoTo Private Capital. Success begins with the right leads, and we’re dedicated to providing you with a competitive edge.

GoTo Private Capital offers two convenient options for acquiring leads; A per-lead cost or a subscription plan. Both featuring exclusively off-market opportunities.

To receive your personalized list of leads or for more information, contact us today.