Cogo Capital for Oregon investors
Cogo Capital operates a private capital pool with more flexible underwriting than institutional hard money. Higher rates reflect the flexibility.
Oregon context
Oregon SB 608 statewide rent control. DSCR economics challenged.
How Cogo Capital positions in Oregon
The Oregon lender pool for DSCR includes Cogo Capital among the active platforms. Oregon top metros (Portland, Eugene, Salem) see meaningful Cogo Capital loan volume.
City-level coverage in Oregon
Cogo Capital provides DSCR coverage across Oregon metros including Portland, Eugene, and Salem. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Cogo Capital program terms apply uniformly across Oregon 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 |
| Oregon property tax | 1% |
| Oregon state income tax | 9.9% |
Cogo Capital strengths in Oregon
- private capital pool
- flexible underwriting
Ideal borrower: Investor needing flexible private money for specific deal types
FAQ
Yes, operates nationally including Oregon. Cogo Capital is based in Coeur d'Alene, ID and operates nationally.
Portland is the top investor market in Oregon and falls within Cogo Capital national coverage. Portland property tax follows the Oregon state rate of 1 percent. Cogo Capital typically underwrites Portland acquisitions at standard rate sheets.
Yes. Eugene ranks among the larger Oregon investor metros and sees consistent DSCR loan volume from Cogo Capital. Submarket variation within Eugene matters for property selection.
Cogo Capital applies the same rate sheet across Oregon metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Portland, Eugene, and Salem all qualify for the same Cogo Capital program.
Cogo Capital indicative DSCR rate range is 11 to 14 percent with 2 to 5 points.
Oregon SB 608 statewide rent control. DSCR economics challenged. Cogo Capital follows standard business-purpose loan structures.
Cogo Capital funds fix-and-flip, bridge, rental in Oregon.
Oregon 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 Oregon 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.