Cogo Capital for Delaware investors
Cogo Capital operates a private capital pool with more flexible underwriting than institutional hard money. Higher rates reflect the flexibility.
Delaware context
Delaware low property tax. Strongest LLC formation state — many investor LLCs registered here even for properties in other states. Strong corporate-anchored DSCR.
How Cogo Capital positions in Delaware
Delaware 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 Delaware
Cogo Capital provides DSCR coverage across Delaware metros including Wilmington, Dover, and Delaware. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Cogo Capital program terms apply uniformly across Delaware 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 |
| Delaware property tax | 0.6% |
| Delaware state income tax | 6.6% |
Cogo Capital strengths in Delaware
- private capital pool
- flexible underwriting
Ideal borrower: Investor needing flexible private money for specific deal types
FAQ
Yes, operates nationally including Delaware. Cogo Capital is based in Coeur d'Alene, ID and operates nationally.
Wilmington is the top investor market in Delaware and falls within Cogo Capital national coverage. Wilmington property tax follows the Delaware state rate of 0.6 percent. Cogo Capital typically underwrites Wilmington acquisitions at standard rate sheets.
Yes. Dover ranks among the larger Delaware investor metros and sees consistent DSCR loan volume from Cogo Capital. Submarket variation within Dover matters for property selection.
Cogo Capital applies the same rate sheet across Delaware metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Wilmington, Dover, and Delaware all qualify for the same Cogo Capital program.
Cogo Capital indicative DSCR rate range is 11 to 14 percent with 2 to 5 points.
Delaware low property tax. Strongest LLC formation state — many investor LLCs registered here even for properties in other states. Strong corporate-anchored DSCR. Cogo Capital follows standard business-purpose loan structures.
Cogo Capital funds fix-and-flip, bridge, rental in Delaware.
Delaware 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 Delaware 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.