Cogo Capital for Indiana investors
Cogo Capital operates a private capital pool with more flexible underwriting than institutional hard money. Higher rates reflect the flexibility.
Indiana context
Indiana strong cash flow Midwest metros. Low property tax. Indianapolis dominant investor market.
How Cogo Capital positions in Indiana
Within Indiana, Cogo Capital competes alongside other DSCR lenders. Cogo Capital strengths: private capital pool, flexible underwriting. The high aggregate DSCR economics of Indiana create demand for Cogo Capital programs in Indianapolis and Fort Wayne particularly.
City-level coverage in Indiana
Cogo Capital provides DSCR coverage across Indiana metros including Indianapolis, Fort Wayne, and South Bend. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Cogo Capital program terms apply uniformly across Indiana 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 |
| Indiana property tax | 0.9% |
| Indiana state income tax | 3.2% |
Cogo Capital strengths in Indiana
- private capital pool
- flexible underwriting
Ideal borrower: Investor needing flexible private money for specific deal types
FAQ
Yes, operates nationally including Indiana. Cogo Capital is based in Coeur d'Alene, ID and operates nationally.
Indianapolis is the top investor market in Indiana and falls within Cogo Capital national coverage. Indianapolis property tax follows the Indiana state rate of 0.9 percent. Cogo Capital typically underwrites Indianapolis acquisitions at standard rate sheets.
Yes. Fort Wayne ranks among the larger Indiana investor metros and sees consistent DSCR loan volume from Cogo Capital. Submarket variation within Fort Wayne matters for property selection.
Cogo Capital applies the same rate sheet across Indiana metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Indianapolis, Fort Wayne, and South Bend all qualify for the same Cogo Capital program.
Cogo Capital indicative DSCR rate range is 11 to 14 percent with 2 to 5 points.
Indiana strong cash flow Midwest metros. Low property tax. Indianapolis dominant investor market. Cogo Capital follows standard business-purpose loan structures.
Cogo Capital funds fix-and-flip, bridge, rental in Indiana.
Indiana 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 Indiana 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.