Cogo Capital for Colorado investors
Cogo Capital operates a private capital pool with more flexible underwriting than institutional hard money. Higher rates reflect the flexibility.
Colorado context
Colorado property tax low. Mountain STR markets (Vail, Breckenridge, Aspen) premium. Statewide rent control discussions active.
How Cogo Capital positions in Colorado
Colorado is well covered by national DSCR lenders, with Cogo Capital as one option. Where Cogo Capital differentiates: private capital pool. Where it competes: rates 11 to 14 percent against peer programs.
City-level coverage in Colorado
Cogo Capital provides DSCR coverage across Colorado metros including Denver, Colorado Springs, and Fort Collins. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Cogo Capital program terms apply uniformly across Colorado 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 |
| Colorado property tax | 0.5% |
| Colorado state income tax | 4.4% |
Cogo Capital strengths in Colorado
- private capital pool
- flexible underwriting
Ideal borrower: Investor needing flexible private money for specific deal types
FAQ
Yes, operates nationally including Colorado. Cogo Capital is based in Coeur d'Alene, ID and operates nationally.
Denver is the top investor market in Colorado and falls within Cogo Capital national coverage. Denver property tax follows the Colorado state rate of 0.5 percent. Cogo Capital typically underwrites Denver acquisitions at standard rate sheets.
Yes. Colorado Springs ranks among the larger Colorado investor metros and sees consistent DSCR loan volume from Cogo Capital. Submarket variation within Colorado Springs matters for property selection.
Cogo Capital applies the same rate sheet across Colorado metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Denver, Colorado Springs, and Fort Collins all qualify for the same Cogo Capital program.
Cogo Capital indicative DSCR rate range is 11 to 14 percent with 2 to 5 points.
Colorado property tax low. Mountain STR markets (Vail, Breckenridge, Aspen) premium. Statewide rent control discussions active. Cogo Capital follows standard business-purpose loan structures.
Cogo Capital funds fix-and-flip, bridge, rental in Colorado.
Colorado allows standard DSCR prepay structures; Cogo Capital typically uses 3-5 year step down.
Cogo Capital typical close: 7-14 days typical.
Bottom line
Cogo Capital in Colorado works for the right borrower-deal combination. Match the lender to your deal characteristics.
Independent directory listing. DSCR Loan Program is not affiliated with Cogo Capital.