We buy the paper most banks won't touch — at fair, market-driven prices.
Richwill Capital LLC actively acquires real-estate-secured notes across every U.S. state. Below is the complete list of asset classes our underwriting team prices weekly.
Performing Residential Notes
1st & 2nd lien notes on single-family homes, condos, townhomes, and 2–4 unit properties with a current payment history.
Non-Performing Residential Notes
Defaulted or delinquent residential paper. We buy in bulk and one-off, nationwide, with realistic valuations.
Commercial Notes
Office, retail, mixed-use, hospitality, and small industrial notes from $100K up to $10M+ per asset.
Land Contracts & Contracts for Deed
Installment land contracts and CFDs in all 50 states. We handle title and recording at our cost.
Seller-Financed / Owner Carry
Owner-financed mortgages, deeds of trust, and seller carry-back paper from completed real-estate transactions.
Vacant Land Notes
Notes secured by raw land, recreational property, or unimproved lots in active markets.
Multifamily & Mixed-Use
Notes secured by 5+ unit residential, mixed-use, and small commercial multifamily properties.
Niche & Specialty Paper
Mobile home park notes, business notes secured by real estate, and other structured paper — call to discuss.
What makes a note a strong candidate
Notes don't have to be perfect. If most of the points to the right apply, we can almost certainly make an offer. We also acquire imperfect, distressed, and partial-payment paper.
Submit your note for review- Note is secured by U.S. real estate (1st or 2nd lien position)
- Loan is documented with a recorded mortgage, deed of trust, or land contract
- Borrower has made at least 3 payments (preferred, not required)
- Property is insured and current on taxes (or seller will cure at closing)
- Note amount between $25,000 and $10,000,000