Cogo Capital for New Hampshire investors
Cogo Capital operates a private capital pool with more flexible underwriting than institutional hard money. Higher rates reflect the flexibility.
New Hampshire context
New Hampshire no state income tax. Property tax high. Boston commuter market.
How Cogo Capital positions in New Hampshire
Within New Hampshire, Cogo Capital competes alongside other DSCR lenders. Cogo Capital strengths: private capital pool, flexible underwriting. The medium aggregate DSCR economics of New Hampshire create demand for Cogo Capital programs in Manchester and Nashua particularly.
City-level coverage in New Hampshire
Cogo Capital provides DSCR coverage across New Hampshire metros including Manchester, Nashua, and Concord. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Cogo Capital program terms apply uniformly across New Hampshire 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 |
| New Hampshire property tax | 1.9% |
| New Hampshire state income tax | None |
Cogo Capital strengths in New Hampshire
- private capital pool
- flexible underwriting
Ideal borrower: Investor needing flexible private money for specific deal types
FAQ
Yes, operates nationally including New Hampshire. Cogo Capital is based in Coeur d'Alene, ID and operates nationally.
Manchester is the top investor market in New Hampshire and falls within Cogo Capital national coverage. Manchester property tax follows the New Hampshire state rate of 1.9 percent. Cogo Capital typically underwrites Manchester acquisitions at standard rate sheets.
Yes. Nashua ranks among the larger New Hampshire investor metros and sees consistent DSCR loan volume from Cogo Capital. Submarket variation within Nashua matters for property selection.
Cogo Capital applies the same rate sheet across New Hampshire metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Manchester, Nashua, and Concord all qualify for the same Cogo Capital program.
Cogo Capital indicative DSCR rate range is 11 to 14 percent with 2 to 5 points.
New Hampshire no state income tax. Property tax high. Boston commuter market. Cogo Capital follows standard business-purpose loan structures.
Cogo Capital funds fix-and-flip, bridge, rental in New Hampshire.
New Hampshire 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 New Hampshire 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.