Cogo Capital for South Carolina investors
Cogo Capital operates a private capital pool with more flexible underwriting than institutional hard money. Higher rates reflect the flexibility.
South Carolina context
South Carolina low property tax. Charleston and Myrtle Beach STR active. Strong investor-friendly state.
How Cogo Capital positions in South Carolina
For South Carolina specifically, Cogo Capital fits investors who match the private money approach. The high cash flow profile of South Carolina aggregate makes it a target market for Cogo Capital.
City-level coverage in South Carolina
Cogo Capital provides DSCR coverage across South Carolina metros including Charleston, Columbia, and Greenville. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Cogo Capital program terms apply uniformly across South Carolina 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 |
| South Carolina property tax | 0.6% |
| South Carolina state income tax | 6.5% |
Cogo Capital strengths in South Carolina
- private capital pool
- flexible underwriting
Ideal borrower: Investor needing flexible private money for specific deal types
FAQ
Yes, operates nationally including South Carolina. Cogo Capital is based in Coeur d'Alene, ID and operates nationally.
Charleston is the top investor market in South Carolina and falls within Cogo Capital national coverage. Charleston property tax follows the South Carolina state rate of 0.6 percent. Cogo Capital typically underwrites Charleston acquisitions at standard rate sheets.
Yes. Columbia ranks among the larger South Carolina investor metros and sees consistent DSCR loan volume from Cogo Capital. Submarket variation within Columbia matters for property selection.
Cogo Capital applies the same rate sheet across South Carolina metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Charleston, Columbia, and Greenville all qualify for the same Cogo Capital program.
Cogo Capital indicative DSCR rate range is 11 to 14 percent with 2 to 5 points.
South Carolina low property tax. Charleston and Myrtle Beach STR active. Strong investor-friendly state. Cogo Capital follows standard business-purpose loan structures.
Cogo Capital funds fix-and-flip, bridge, rental in South Carolina.
South Carolina 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 South Carolina 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.