Mortgage Note Capital vs DiCaro & Associates

Two direct buyers with broad appetites

DiCaro & Associates and Mortgage Note Capital cover very similar ground. Both are direct buyers — you sell to the party that holds the note, not a broker — and both buy the full range of instruments an individual seller is likely to hold: mortgages, trust deeds, land contracts, and seller-financed notes. DiCaro reports a purchase range of roughly $20K to $5M and markets a fast ~14-day funding timeline, which covers everything from a small single note to a substantial one. For a seller with a standard owner-financed note or land contract, DiCaro is a reasonable buyer to include in your comparison set.

Where DiCaro & Associates stands out

DiCaro's strengths are its broad instrument appetite and its speed. Naming trust deeds and land contracts alongside mortgages signals comfort with the different ways owner financing gets documented across states. And a marketed ~14-day timeline appeals to any seller who needs cash quickly. Its stated $20K–$5M range means it's equally comfortable with a modest note and a large one, which not every buyer is. If your priority is a fast close on a straightforward note, DiCaro is a credible option.

Where Mortgage Note Capital fits

We buy the same instruments and compete on speed too, but we differentiate on transparency and credit breadth:

1. See your range before you call. Our free note value calculator gives you an estimated offer range before any conversation, and our how-we-value page explains the math. You're never negotiating in the dark.
2. Performing and non-performing. We actively buy distressed paper, valuing it on the property and the recovery path — so a borrower who's fallen behind doesn't cost you a buyer.
3. Deep Texas and Southeast focus — the regions that create most of the country's owner-financed notes, where fast non-judicial foreclosure supports strong values — plus a single point of contact through closing.

How to decide

• Want a fast close on a standard mortgage, trust deed, or land contract? DiCaro's speed and broad appetite make it a strong option — get their quote.
• Want to see an estimated range first, or holding a non-performing note? Start with our calculator and request a quote.

Because the two buyers overlap heavily, getting both quotes pays off — the offers should be directly comparable, and you can weigh speed, transparency, and terms alongside the headline number.

What both buyers will ask for

The diligence is similar wherever you sell. Prepare the original promissory note, the recorded deed of trust, trust deed, mortgage, or land-contract agreement, the closing statement, a documented payment history, proof of insurance, and current title. Both buyers price the asset on the present value of remaining payments, weighing the interest rate, seasoning, borrower equity (loan-to-value), lien position or title structure, the property, and the state's foreclosure speed. A complete file speeds either path.

When buyers overlap, transparency and terms decide

When two direct buyers want the same instruments and both market a fast close, neither appetite nor model breaks the tie. The decision turns on transparency and terms. On transparency, being able to see an estimated range before you call — and getting a plain-English explanation of how your offer was built — removes much of the guesswork that makes selling a note stressful. On terms, run both numbers against the independent range from our note value calculator and ask each buyer whether the price is firm, who pays closing costs, and exactly how fast they can fund (a marketed timeline and a guaranteed one aren't the same thing). We also buy non-performing paper, so a distressed note doesn't leave you without a buyer. For a clean note where speed is everything, either buyer can serve you well; for transparency upfront and a non-performing fallback, we're built to deliver. Get both quotes and let the side-by-side comparison make the call.