John Cate
Regional Sales Manager

NMLS#  1741510

480.856.9260
A black and white drawing of an envelope on a white background.
jcate@trulyinvestorcapital.com

About Me

John Cate is a Regional Sales Manager for Truly Investor Capital and a frequent speaker and trainer at Realtor, Mortgage Broker, and Real Estate Investor Conferences throughout the country. John has over 30 years of Mortgage Lending Experience, holds a Florida Real Estate License, and is an active Real Estate Investor.

Read What My Investors & Partners Have to Say:

“From beginning to end, the team led by John Cate, handled everything promptly and professionally. Thanks, John, for a wonderful experience. And special thanks to Michelle for her patience and determination with the hiccup regarding my LLC's foreign qualification. The Truly team got it done!”  

- Single Property Rental | Investor | TN

“The process was extremely smooth. The processing team was extremely attentive to the loan and always kept me informed.”  

- Single Property Rental | Investor | PA

“Everyone that worked on my loan and closing was fantastic! They all provided timely and frequent communication and walked me through the process each step of the way!”

- Spec Builder | Investor | FL

Why Truly?  Experience.

A green circle with a white circle in the middle on a white background.

Billions
in Loans Funded

A green line on a white background that looks like a wave.

Best in Class
Service Times

Meet Truly

Truly Investor Capital was created by commercial lending professionals to deliver a streamlined, faster, and more dependable way for Real Estate Investors & Business Partners to power their businesses.


We specialize in Business Purpose Lending including Fix & Flip, Bridge, New Construction, Fix & Hold, Build for Rent, Single Property Rental, and Portfolio Rental loans.

Where Truly Lends

Truly Investor Capital lends in all states except those in gray.
A green and white map of the united states displaying states in which truly is licensed to do business.

Approval is subject to a Credit Exception & Collateral Review:

  • Alaska
  • Hawaii 


States where Truly does NOT lend are also listed below for your convenience:

  • Nevada
  • North Dakota
  • South Dakota
  • Vermont


Truly Investor Capital is a division of Oaktree Funding Corp., NMLS# 71640. For a comprehensive list of where we lend, please visit NMLS Consumer Access.

Products

For a summary of all products with their feature highlights, select the Products Summary button.

For full guideline details, find each loan matrix listed below.
Single Property Rental Loan

Our Single Rental Loans enable investors to purchase a new property to expand their rental portfolio. Investors use this Debt Service Coverage Ratio (DSCR) loan to refinance a property for a better rate, or take cash out to access equity. View the three different product matrices for Single Property Rental Loans below:

Portfolio Rental Loan

This loan is for Multiple Rental Properties to "Blanket" an investor's portfolio of investment properties. Our Portfolio Loan is designed to help rental investors unlock equity and get cash out of their existing rental investments or to purchase a portfolio of properties. Consolidate multiple rental property mortgages into a single loan and continue to grow your portfolio.

Bridge Loan

Our Bridge Loans provide long-term and short-term financing options for new Purchase or Refinance offering Investors strategic flexibility & valuable time to execute their exit strategy.

Fix & Flip / Rehab Loan

Our Rehab Loans allow investors to purchase or refinance investment properties and fund non-structural rehab.

Extensive Rehab Loan

The Extensive Rehab Loan is similar to the standard Rehab Loan but allows for structural rehab, adding square footage, ADUs, etc.

New Construction Loan

Our New Construction Loan provides builders and investors the financing they need for ground-up construction.

Request More Information


Call 813.545.7551 now, or fill out the form below and I'll get back to you!

By submitting your information, you expressly consent to receive calls and/or texts at the number you provided and emails to the email address you provided from Truly Investor Capital about business mortgage loan related matters, including pre-recorded messages. I understand that this consent is not a condition of purchase or agreement of any kind. Message frequency varies. Message and data rates may apply. This consent applies even if you are on a corporate, state, or national Do Not Call list.



Stay up to date on all things Truly.
Follow us today!
Equal housing opportunity logo.

Truly Investor Capital, a division of Oaktree Funding Corp., 3133 West Frye Road, Suite #205 Chandler, AZ 85226 (NMLS # 71640 | In the following states AZ, CA, ID, MN, OR, UT loans are originated and made in the name of Oaktree Funding Corp. NMLS #71640 pursuant to the laws of AZ Mortgage Banker Lic. # 0920541 | CA DFPI Lic. # 6035721), 800-429-5000. ©2025. All Rights Reserved. This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates, and programs are subject to change without prior notice. All products are subject to credit and property approval. Not all products are available in all states or for all loan amounts. Other restrictions and limitations apply. Oaktree Funding Corp. is an independent mortgage lender and is not affiliated with the Department of Housing and Urban Development or the Federal Housing Administration. Not intended for legal or financial advice.  All state licensing information may be found at NMLS Consumer Access https://www.nmlsconsumeraccess.org

Share by: