Cogo Capital for Maine investors
Cogo Capital operates a private capital pool with more flexible underwriting than institutional hard money. Higher rates reflect the flexibility.
Maine context
Maine seasonal rental market. Coastal STR potential.
How Cogo Capital positions in Maine
The Maine lender pool for DSCR includes Cogo Capital among the active platforms. Maine top metros (Portland, Bangor, Maine) see meaningful Cogo Capital loan volume.
City-level coverage in Maine
Cogo Capital provides DSCR coverage across Maine metros including Portland, Bangor, and Maine. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Cogo Capital program terms apply uniformly across Maine 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 |
| Maine property tax | 1.2% |
| Maine state income tax | 7.15% |
Cogo Capital strengths in Maine
- private capital pool
- flexible underwriting
Ideal borrower: Investor needing flexible private money for specific deal types
FAQ
Yes, operates nationally including Maine. Cogo Capital is based in Coeur d'Alene, ID and operates nationally.
Portland is the top investor market in Maine and falls within Cogo Capital national coverage. Portland property tax follows the Maine state rate of 1.2 percent. Cogo Capital typically underwrites Portland acquisitions at standard rate sheets.
Yes. Bangor ranks among the larger Maine investor metros and sees consistent DSCR loan volume from Cogo Capital. Submarket variation within Bangor matters for property selection.
Cogo Capital applies the same rate sheet across Maine metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Portland, Bangor, and Maine all qualify for the same Cogo Capital program.
Cogo Capital indicative DSCR rate range is 11 to 14 percent with 2 to 5 points.
Maine seasonal rental market. Coastal STR potential. Cogo Capital follows standard business-purpose loan structures.
Cogo Capital funds fix-and-flip, bridge, rental in Maine.
Maine allows standard DSCR prepay structures; Cogo Capital typically uses 3-5 year step down.
Cogo Capital typical close: 7-14 days typical.
Bottom line
For Maine DSCR borrowers, Cogo Capital is one option among many. Compare against 2-3 lender programs before committing.
Independent directory listing. DSCR Loan Program is not affiliated with Cogo Capital.