Cogo Capital for Maryland investors
Cogo Capital operates a private capital pool with more flexible underwriting than institutional hard money. Higher rates reflect the flexibility.
Maryland context
Maryland strong rowhouse and multi-unit DSCR in Baltimore. Strict landlord-tenant law.
How Cogo Capital positions in Maryland
Within Maryland, Cogo Capital competes alongside other DSCR lenders. Cogo Capital strengths: private capital pool, flexible underwriting. The medium aggregate DSCR economics of Maryland create demand for Cogo Capital programs in Baltimore and Frederick particularly.
City-level coverage in Maryland
Cogo Capital provides DSCR coverage across Maryland metros including Baltimore, Frederick, and Annapolis. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Cogo Capital program terms apply uniformly across Maryland 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 |
| Maryland property tax | 1% |
| Maryland state income tax | 5.75% |
Cogo Capital strengths in Maryland
- private capital pool
- flexible underwriting
Ideal borrower: Investor needing flexible private money for specific deal types
FAQ
Yes, operates nationally including Maryland. Cogo Capital is based in Coeur d'Alene, ID and operates nationally.
Baltimore is the top investor market in Maryland and falls within Cogo Capital national coverage. Baltimore property tax follows the Maryland state rate of 1 percent. Cogo Capital typically underwrites Baltimore acquisitions at standard rate sheets.
Yes. Frederick ranks among the larger Maryland investor metros and sees consistent DSCR loan volume from Cogo Capital. Submarket variation within Frederick matters for property selection.
Cogo Capital applies the same rate sheet across Maryland metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Baltimore, Frederick, and Annapolis all qualify for the same Cogo Capital program.
Cogo Capital indicative DSCR rate range is 11 to 14 percent with 2 to 5 points.
Maryland strong rowhouse and multi-unit DSCR in Baltimore. Strict landlord-tenant law. Cogo Capital follows standard business-purpose loan structures.
Cogo Capital funds fix-and-flip, bridge, rental in Maryland.
Maryland allows standard DSCR prepay structures; Cogo Capital typically uses 3-5 year step down.
Cogo Capital typical close: 7-14 days typical.
Bottom line
Maryland 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.