Cogo Capital for Connecticut investors
Cogo Capital operates a private capital pool with more flexible underwriting than institutional hard money. Higher rates reflect the flexibility.
Connecticut context
Connecticut property tax burden is among highest in nation. DSCR tight outside Hartford and New Haven multi-unit submarkets.
How Cogo Capital positions in Connecticut
Connecticut 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 Connecticut
Cogo Capital provides DSCR coverage across Connecticut metros including Hartford, Bridgeport, and New Haven. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Cogo Capital program terms apply uniformly across Connecticut 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 |
| Connecticut property tax | 2% |
| Connecticut state income tax | 7% |
Cogo Capital strengths in Connecticut
- private capital pool
- flexible underwriting
Ideal borrower: Investor needing flexible private money for specific deal types
FAQ
Yes, operates nationally including Connecticut. Cogo Capital is based in Coeur d'Alene, ID and operates nationally.
Hartford is the top investor market in Connecticut and falls within Cogo Capital national coverage. Hartford property tax follows the Connecticut state rate of 2 percent. Cogo Capital typically underwrites Hartford acquisitions at standard rate sheets.
Yes. Bridgeport ranks among the larger Connecticut investor metros and sees consistent DSCR loan volume from Cogo Capital. Submarket variation within Bridgeport matters for property selection.
Cogo Capital applies the same rate sheet across Connecticut metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Hartford, Bridgeport, and New Haven all qualify for the same Cogo Capital program.
Cogo Capital indicative DSCR rate range is 11 to 14 percent with 2 to 5 points.
Connecticut property tax burden is among highest in nation. DSCR tight outside Hartford and New Haven multi-unit submarkets. Cogo Capital follows standard business-purpose loan structures.
Cogo Capital funds fix-and-flip, bridge, rental in Connecticut.
Connecticut 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 Connecticut 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.