Cogo Capital for Louisiana investors
Cogo Capital operates a private capital pool with more flexible underwriting than institutional hard money. Higher rates reflect the flexibility.
Louisiana context
Louisiana low property tax. New Orleans STR heavily regulated. Hurricane and flood insurance major cost.
How Cogo Capital positions in Louisiana
For Louisiana specifically, Cogo Capital fits investors who match the private money approach. The high cash flow profile of Louisiana aggregate makes it a target market for Cogo Capital.
City-level coverage in Louisiana
Cogo Capital provides DSCR coverage across Louisiana metros including New Orleans, Baton Rouge, and Shreveport. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Cogo Capital program terms apply uniformly across Louisiana 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 |
| Louisiana property tax | 0.6% |
| Louisiana state income tax | 4.25% |
Cogo Capital strengths in Louisiana
- private capital pool
- flexible underwriting
Ideal borrower: Investor needing flexible private money for specific deal types
FAQ
Yes, operates nationally including Louisiana. Cogo Capital is based in Coeur d'Alene, ID and operates nationally.
New Orleans is the top investor market in Louisiana and falls within Cogo Capital national coverage. New Orleans property tax follows the Louisiana state rate of 0.6 percent. Cogo Capital typically underwrites New Orleans acquisitions at standard rate sheets.
Yes. Baton Rouge ranks among the larger Louisiana investor metros and sees consistent DSCR loan volume from Cogo Capital. Submarket variation within Baton Rouge matters for property selection.
Cogo Capital applies the same rate sheet across Louisiana metros. Pricing variation comes from property-specific factors rather than metro location within the same state. New Orleans, Baton Rouge, and Shreveport all qualify for the same Cogo Capital program.
Cogo Capital indicative DSCR rate range is 11 to 14 percent with 2 to 5 points.
Louisiana low property tax. New Orleans STR heavily regulated. Hurricane and flood insurance major cost. Cogo Capital follows standard business-purpose loan structures.
Cogo Capital funds fix-and-flip, bridge, rental in Louisiana.
Louisiana 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 Louisiana 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.