Cogo Capital for Montana investors
Cogo Capital operates a private capital pool with more flexible underwriting than institutional hard money. Higher rates reflect the flexibility.
Montana context
Montana DSCR tight after recent appreciation. Bozeman strong growth from Yellowstone proximity.
How Cogo Capital positions in Montana
The Montana lender pool for DSCR includes Cogo Capital among the active platforms. Montana top metros (Billings, Bozeman, Missoula) see meaningful Cogo Capital loan volume.
City-level coverage in Montana
Cogo Capital provides DSCR coverage across Montana metros including Billings, Bozeman, and Missoula. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Cogo Capital program terms apply uniformly across Montana 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 |
| Montana property tax | 0.8% |
| Montana state income tax | 6.75% |
Cogo Capital strengths in Montana
- private capital pool
- flexible underwriting
Ideal borrower: Investor needing flexible private money for specific deal types
FAQ
Yes, operates nationally including Montana. Cogo Capital is based in Coeur d'Alene, ID and operates nationally.
Billings is the top investor market in Montana and falls within Cogo Capital national coverage. Billings property tax follows the Montana state rate of 0.8 percent. Cogo Capital typically underwrites Billings acquisitions at standard rate sheets.
Yes. Bozeman ranks among the larger Montana investor metros and sees consistent DSCR loan volume from Cogo Capital. Submarket variation within Bozeman matters for property selection.
Cogo Capital applies the same rate sheet across Montana metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Billings, Bozeman, and Missoula all qualify for the same Cogo Capital program.
Cogo Capital indicative DSCR rate range is 11 to 14 percent with 2 to 5 points.
Montana DSCR tight after recent appreciation. Bozeman strong growth from Yellowstone proximity. Cogo Capital follows standard business-purpose loan structures.
Cogo Capital funds fix-and-flip, bridge, rental in Montana.
Montana allows standard DSCR prepay structures; Cogo Capital typically uses 3-5 year step down.
Cogo Capital typical close: 7-14 days typical.
Bottom line
Montana 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.