- Type
- Fix & flip
- Location
- Los Angeles County, CA ·
- Loan amount
- $480K–$620K
- LTV
- 64%
- Target yield
- 9.50% · 1st lien · interest-only
- Term
- 12 months · monthly servicing
- Notes
- experienced operator · clear exit
Private Note Capital · access by request · California
private credit,
properly papered.
Qualified investors earn fixed monthly income from first-lien mortgage notes secured by California real estate. Every note is backed by a recorded deed of trust, underwritten to conservative loan-to-value, and serviced under license.
For qualified investors. Access is granted by review, not by signup.
Operated by West Coast Capital Mortgage Inc. · Licensed in California · NMLS #2817729 · CA DRE #01385024 · A real person answers.
Model · illustrative
Target yield
Target annual yield
9.50%
Monthly income$792
Annual income$9,500
At term$9,500
First lien · ≤65% LTV · interest-only · paid monthly · 12-month term · min $50,000
Illustrative only. Target yields reflect current program guidelines, are not guaranteed, and vary by opportunity. Notes are interest-only; principal is returned at payoff. This is not an offer.
The structure
What actually stands behind your capital.
You are not lending on a promise. You are lending against a specific property, in first position, with the paper recorded in the county. Four things do the work.
01
The promissory note
The borrower’s written, legally binding promise to repay a set amount at a set rate. This is the instrument you own, and the source of your monthly interest.
02
The deed of trust
Recorded against the property in the county. It is the enforcement mechanism: if the note isn’t paid, the deed of trust is what lets the loan be satisfied out of the real estate.
03
First-lien position
You are first in line. Before any junior lender, and before the owner sees a dollar of equity, proceeds from the property go to the first lien — you. Position is priority.
04
Loan-to-value — your margin of safety
A note at 65% LTV means the loan is 65% of the property’s value. The property would have to lose more than 35% of its value before your principal is mathematically at risk. Lower LTV, thicker cushion.
Our guidelines
The lines we lend inside.
Every opportunity we prepare fits one of these profiles. The discipline is in the box — first lien, conservative LTV, short term, monthly interest. We don’t chase yield by loosening the collateral.
Profile
Lien
Max LTV
Target yield
Term
Minimum
Conservative
First
60%
8.5%
6–12 mo
$50,000
Core
First
65%
9.5%
12 mo
$50,000
Balanced
First
70%
10.5%
12–24 mo
$100,000
Guidelines describe the box we work within; specific terms are set per opportunity and disclosed in full inside the deal room. Target yields are not guaranteed. All investments involve risk, including loss of principal.
This week · access by request
What we’re funding now.
Real files move fast — they’re shown to a small number of investors and often fill within days of release. You don’t chase a single deal here; you get first look at the flow. Below is the kind of file open this week. The live file, with address and numbers, opens in the deal room once you’re approved.
Get first look at the flow
Approved investors see each week’s file before it’s shown widely. When one fills, the next is already coming — first-look means you’re never watching from outside.
Join the first-look list Or call (310) 686-5053Pipeline this week
3files in review
$1.9Mseeking
62%avg LTV · 1st lien
Representative of current pipeline; not a specific offer. Trust-deed investments are arranged through West Coast Capital Mortgage Inc. (CA DRE #01385024); approved investors receive full written disclosures before funding any note. Offered privately to qualified investors only.
On the other side — need capital for a project? We fund fix & flip, bridge, cash-out, and ground-up construction against California real estate. Bring us the scenario; strong files become next week’s opportunity.
Submit a scenario
This is not a marketplace. Not crowdfunding, not a pooled fund, not a yield promise. One note, one property, one file at a time — shown to a small number of qualified investors, and only after it clears review.
Process
How capital works here.
Five stages, in order. No stage is skipped, and no file moves forward without the previous stage on paper.
-
01
Scenario is reviewed
The borrower, the purpose of the loan, and the exit — how they pay you back — are vetted before anything else is discussed. A loan without a credible exit doesn’t get written.
-
02
Collateral is analyzed
Independent valuation, lien position, title condition, and market context. The property, not the borrower’s optimism, has to carry the note — and carry it with room to spare.
-
03
Note package is prepared
Promissory note, deed of trust, title policy, insurance, and servicing agreement are drafted and assembled into one complete file — the same file you’ll read before you commit.
-
04
Investor reviews the opportunity
The full file opens in the deal room. You read the documents, see the numbers, ask questions, and decide on your own timeline. Nothing auto-invests; nothing is rushed.
-
05
Servicing tracks every payment
After funding, licensed servicing handles collections, statements, escrow of taxes and insurance, and reporting. You receive income and records — you don’t chase a borrower.
The honest part
If a borrower doesn’t pay.
Trust is built by explaining the downside plainly, before you ask about the upside. Here is exactly what stands between a missed payment and your principal.
- Servicing works the borrower first. Contact, cure, and default interest and late fees begin accruing — to you.
- The deed of trust is enforced. If it isn’t cured, first-lien position lets the collateral be sold to recover principal and accrued interest.
- Conservative LTV is the cushion. Lending at 60–70% of value means there is equity between your loan and the property’s worth to absorb costs and time.
- The risk is still real. Real estate can decline, recovery takes time, and loss of principal is possible. Collateral reduces risk; it does not remove it.
Plain English
The terms, decoded.
The vocabulary of note investing, without the mystique. If a document uses a word we haven’t explained, that’s on us.
The relationship
What working with us means.
We originate under license
Files are underwritten and prepared under licensed mortgage origination and servicing oversight — not resold from a borrower’s self-report.
We service, so you don’t
Collections, escrows, statements, and reporting are handled for you. Your job is to read the file and decide; ours is everything after.
We disclose in full
Collateral, LTV, lien, title, and the complete document package are open before you commit. No summary stands in for the paper.
We keep the room small
Limited opportunities, reviewed access, one file at a time. Discipline is easier to keep when the room isn’t crowded.
Who’s behind the paper
Real company. Real licenses.
A real phone number.
Private Note Capital is operated by West Coast Capital Mortgage Inc. — a licensed California mortgage company that originates and services these loans itself. You can look up the license, read the whole file, and talk to a person before you commit a single dollar. Comfort, for us, means nothing about us is hard to check.
- Licensed origination and servicing — regulated, not a marketplace middleman
- Every access request is read and answered by a person, usually same day
- Call, ask the hard questions, take your time — no funnel, no pressure
The same team runs westccmortgage.com and californiamtg.com — an established, licensed operation you can see for yourself.
West Coast Capital Mortgage Inc.
- NMLS
- #2817729
- CA DRE
- #01385024
- Founder
- Anatoliy Kanevsky
- Experience
- Decades in CA real estate & mortgage
- Direct
- (310) 686-5053
Equal Housing Opportunity. A licensed professional reviews every request personally.
Call before you investAccess
Request access to the deal room.
Tell us who you are and how you invest. Requests are reviewed personally — expect a reply, not an automated onboarding funnel.