Overview
Cogo Capital operates a private capital pool with more flexible underwriting than institutional hard money. Higher rates reflect the flexibility.
Cogo Capital is based in Coeur d'Alene, ID and was founded in 2008. They operate nationally and offer fix-and-flip, bridge, rental financing. Their loan amount range runs from $50K to $2.0M.
Key terms at a glance
| Loan type | Private money / relationship-based |
|---|---|
| Products | fix-and-flip, bridge, rental |
| Geographic coverage | National |
| Loan size | $50K – $2.0M |
| Interest rate range | 11% – 14% |
| Origination points | 2 – 5 |
| Max LTV | 70% of ARV |
| Max LTC | 85% of cost |
| Term lengths | 6-12 months |
| Typical close time | 7-14 days typical |
Strengths
- private capital pool
- flexible underwriting
Ideal borrower
Investor needing flexible private money for specific deal types
How Cogo Capital compares
As a private money operator, Cogo Capital's underwriting is relationship-driven — track record and the specifics of the deal matter more than a templated credit box. That suits unusual properties and experienced borrowers, and it makes pricing harder to predict in advance.
Coverage is the constraint most investors hit first. Cogo Capital serves National, and lender licensing changes often enough that it is worth confirming your state before you get far into a file. Our state-by-state pages for Cogo Capital cover the rules that differ by state — prepayment penalties, entity vesting and foreclosure mechanics.
Other lenders investors compare against
- The full lender directory — every lender we track, with terms side by side
- How DSCR qualification works — the ratio every one of these lenders underwrites to
- DSCR calculator — check coverage before you apply anywhere
Cogo Capital FAQ
Cogo Capital is based in Coeur d'Alene, ID and serves National. Coverage changes as licensing changes, so confirm your state directly with the lender before relying on it.
Cogo Capital's indicative rate range is 11%–14% with 2–5 points. Pricing depends on credit, leverage, coverage ratio and experience, and moves with the market.
Cogo Capital's typical minimum loan is $50K, with maximum loan size up to $2.0M.
Cogo Capital's typical close timeline is 7-14 days typical. Fast-close depends on documentation quality, title clarity, and underwriting load.
Cogo Capital offers fix-and-flip, bridge, rental financing. They also do DSCR rental refinance, which makes them a one-stop shop for BRRRR strategies.
Investor needing flexible private money for specific deal types
This review is an independent directory listing. DSCR Loan Program is not affiliated with Cogo Capital, receives no payment for placement, and does not rank lenders in exchange for compensation. Rates, terms, and eligibility are determined by the lender and subject to change. Always verify current pricing directly with the lender before relying on any specifics.