Professional Experience. Personal Stewardship.
Gracemar Capital was founded on a simple belief: every note holder deserves honest guidance, a fair process, and to be treated with dignity — especially when navigating an important financial decision.
About Gracemar Capital™
We Take a People-First Approach
Gracemar Capital™ was founded by an executive technology and business leader with nearly three decades of experience leading complex initiatives in highly regulated, Fortune- level corporate environments.
Every situation is reviewed individually, options are clearly explained, and there is never pressure or obligation. Our goal is simple: help people make informed decisions with confidence and peace of mind.
How We Serve
✓ Careful, professional note evaluations
✓ Transparent explanations — no surprises, no jargon
✓ Access to qualified buyers when appropriate
✓ Direct purchases when it best serves the seller
✓ Fair pricing and straightforward processes
✓ Reliable, well-managed closings
✓ No upfront fees or out-of-pocket costs to request
a quote. If a transaction moves forward, closing costs
and terms are clearly explained before you decide.
The Heart Behind The Name
"Gracemar"
Grace
Kindness extended freely, without condition. The belief that every person deserves to be treated with dignity, honesty, and care — especially when navigating important financial decisions.
Mar
From the Latin word for sea. A reminder that even in deep, uncertain, or overwhelming situations, there is always a reason to hope and a way through.
"Gracemar Capital exists at that intersection — where kindness meets the deep. We don't have all the answers, and we won't pretend to. But we believe that when you lead with grace, things have a way of working out the way they're supposed to."
"And the Spirit of God was hovering over the waters." — Genesis 1:2
Meet the founder
Martha E. Rivera
President, Gracemar Capital™ | Tampa Bay, Florida
Florida REALTOR®
PMP Certified
Registered Note Broker
Martha E. Rivera brings a disciplined and practical approach to real estate note investing, shaped by leadership experience across healthcare, telecommunications, and logistics in Fortune 100 environments.
Her career required evaluating complex financial decisions, managing risk, and ensuring sound outcomes—experience that translates directly into careful, institutional-grade note processes.
Martha obtained her first real estate license in New Jersey in 2005 and founded MCJ Property Solutions in 2015. After relocating to the Tampa Bay area, Martha obtained her Florida real estate license and later transitioned into note investing.
Our Commitment
We approach every conversation with professionalism, humility, and respect. While we bring experience and analysis, we recognize that lasting peace, restoration, and direction ultimately come from the Lord. Our role is to serve faithfully and steward each opportunity with care.
Ready to explore your options?
Licensing Disclosure:
Martha E. Rivera is a licensed Florida REALTOR® affiliated with Berkshire Hathaway HomeServices Florida Properties Group.
Gracemar Capital™ operates as an independent investment entity separate from Berkshire Hathaway HomeServices.