Cogo Capital for Georgia investors
Cogo Capital operates a private capital pool with more flexible underwriting than institutional hard money. Higher rates reflect the flexibility.
Georgia context
Georgia strong Sunbelt growth. Atlanta dominant DSCR market. Savannah historic district STR active. Strong investor-friendly state laws.
How Cogo Capital positions in Georgia
Within Georgia, Cogo Capital competes alongside other DSCR lenders. Cogo Capital strengths: private capital pool, flexible underwriting. The medium aggregate DSCR economics of Georgia create demand for Cogo Capital programs in Atlanta and Savannah particularly.
City-level coverage in Georgia
Cogo Capital provides DSCR coverage across Georgia metros including Atlanta, Savannah, and Augusta. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Cogo Capital program terms apply uniformly across Georgia 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 |
| Georgia property tax | 1% |
| Georgia state income tax | 5.4% |
Cogo Capital strengths in Georgia
- private capital pool
- flexible underwriting
Ideal borrower: Investor needing flexible private money for specific deal types
FAQ
Yes, operates nationally including Georgia. Cogo Capital is based in Coeur d'Alene, ID and operates nationally.
Atlanta is the top investor market in Georgia and falls within Cogo Capital national coverage. Atlanta property tax follows the Georgia state rate of 1 percent. Cogo Capital typically underwrites Atlanta acquisitions at standard rate sheets.
Yes. Savannah ranks among the larger Georgia investor metros and sees consistent DSCR loan volume from Cogo Capital. Submarket variation within Savannah matters for property selection.
Cogo Capital applies the same rate sheet across Georgia metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Atlanta, Savannah, and Augusta all qualify for the same Cogo Capital program.
Cogo Capital indicative DSCR rate range is 11 to 14 percent with 2 to 5 points.
Georgia strong Sunbelt growth. Atlanta dominant DSCR market. Savannah historic district STR active. Strong investor-friendly state laws. Cogo Capital follows standard business-purpose loan structures.
Cogo Capital funds fix-and-flip, bridge, rental in Georgia.
Georgia allows standard DSCR prepay structures; Cogo Capital typically uses 3-5 year step down.
Cogo Capital typical close: 7-14 days typical.
Bottom line
Georgia 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.