Cogo Capital for Kentucky investors
Cogo Capital operates a private capital pool with more flexible underwriting than institutional hard money. Higher rates reflect the flexibility.
Kentucky context
Kentucky low property tax. Strong DSCR cash flow. Louisville and Lexington dominant.
How Cogo Capital positions in Kentucky
The Kentucky lender pool for DSCR includes Cogo Capital among the active platforms. Kentucky top metros (Louisville, Lexington, Bowling Green) see meaningful Cogo Capital loan volume.
City-level coverage in Kentucky
Cogo Capital provides DSCR coverage across Kentucky metros including Louisville, Lexington, and Bowling Green. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Cogo Capital program terms apply uniformly across Kentucky 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 |
| Kentucky property tax | 0.9% |
| Kentucky state income tax | 4.5% |
Cogo Capital strengths in Kentucky
- private capital pool
- flexible underwriting
Ideal borrower: Investor needing flexible private money for specific deal types
FAQ
Yes, operates nationally including Kentucky. Cogo Capital is based in Coeur d'Alene, ID and operates nationally.
Louisville is the top investor market in Kentucky and falls within Cogo Capital national coverage. Louisville property tax follows the Kentucky state rate of 0.9 percent. Cogo Capital typically underwrites Louisville acquisitions at standard rate sheets.
Yes. Lexington ranks among the larger Kentucky investor metros and sees consistent DSCR loan volume from Cogo Capital. Submarket variation within Lexington matters for property selection.
Cogo Capital applies the same rate sheet across Kentucky metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Louisville, Lexington, and Bowling Green all qualify for the same Cogo Capital program.
Cogo Capital indicative DSCR rate range is 11 to 14 percent with 2 to 5 points.
Kentucky low property tax. Strong DSCR cash flow. Louisville and Lexington dominant. Cogo Capital follows standard business-purpose loan structures.
Cogo Capital funds fix-and-flip, bridge, rental in Kentucky.
Kentucky 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 Kentucky 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.