Cogo Capital for Arkansas investors
Cogo Capital operates a private capital pool with more flexible underwriting than institutional hard money. Higher rates reflect the flexibility.
Arkansas context
Arkansas low cost-of-entry metros. Walmart-anchored Northwest Arkansas growing fast. Strong DSCR economics.
How Cogo Capital positions in Arkansas
Within Arkansas, Cogo Capital competes alongside other DSCR lenders. Cogo Capital strengths: private capital pool, flexible underwriting. The high aggregate DSCR economics of Arkansas create demand for Cogo Capital programs in Little Rock and Fayetteville particularly.
City-level coverage in Arkansas
Cogo Capital provides DSCR coverage across Arkansas metros including Little Rock, Fayetteville, and Fort Smith. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Cogo Capital program terms apply uniformly across Arkansas metros; the specific deal characteristics determine final pricing.
Terms and pricing
| Loan type | Private money |
|---|---|
| Products | fix-and-flip, bridge, rental |
| Loan size | $50K - $2.0M |
| Rates | 11%-14% |
| Points | 2 - 5 |
| Max LTV | 70% of ARV |
| Term lengths | 6-12 months |
| Typical close time | 7-14 days typical |
| Arkansas property tax | 0.6% |
| Arkansas state income tax | 4.4% |
Cogo Capital strengths in Arkansas
- private capital pool
- flexible underwriting
Ideal borrower: Investor needing flexible private money for specific deal types
FAQ
Yes, operates nationally including Arkansas. Cogo Capital is based in Coeur d'Alene, ID and operates nationally.
Little Rock is the top investor market in Arkansas and falls within Cogo Capital national coverage. Little Rock property tax follows the Arkansas state rate of 0.6 percent. Cogo Capital typically underwrites Little Rock acquisitions at standard rate sheets.
Yes. Fayetteville ranks among the larger Arkansas investor metros and sees consistent DSCR loan volume from Cogo Capital. Submarket variation within Fayetteville matters for property selection.
Cogo Capital applies the same rate sheet across Arkansas metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Little Rock, Fayetteville, and Fort Smith all qualify for the same Cogo Capital program.
Cogo Capital indicative DSCR rate range is 11 to 14 percent with 2 to 5 points.
Arkansas low cost-of-entry metros. Walmart-anchored Northwest Arkansas growing fast. Strong DSCR economics. Cogo Capital follows standard business-purpose loan structures.
Cogo Capital funds fix-and-flip, bridge, rental in Arkansas.
Arkansas allows standard DSCR prepay structures; Cogo Capital typically uses 3-5 year step down.
Cogo Capital typical close: 7-14 days typical.
Bottom line
Arkansas investors considering Cogo Capital should verify current rate sheets directly and confirm specific submarket coverage.
Independent directory listing. DSCR Loan Program is not affiliated with Cogo Capital.