Cogo Capital for Utah investors
Cogo Capital operates a private capital pool with more flexible underwriting than institutional hard money. Higher rates reflect the flexibility.
Utah context
Utah low property tax. Strong job growth. Ski STR (Park City) and southern Utah STR (St. George/Zion).
How Cogo Capital positions in Utah
Within Utah, Cogo Capital competes alongside other DSCR lenders. Cogo Capital strengths: private capital pool, flexible underwriting. The medium aggregate DSCR economics of Utah create demand for Cogo Capital programs in Salt Lake City and Provo particularly.
City-level coverage in Utah
Cogo Capital provides DSCR coverage across Utah metros including Salt Lake City, Provo, and St. George. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Cogo Capital program terms apply uniformly across Utah 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 |
| Utah property tax | 0.6% |
| Utah state income tax | 4.85% |
Cogo Capital strengths in Utah
- private capital pool
- flexible underwriting
Ideal borrower: Investor needing flexible private money for specific deal types
FAQ
Yes, operates nationally including Utah. Cogo Capital is based in Coeur d'Alene, ID and operates nationally.
Salt Lake City is the top investor market in Utah and falls within Cogo Capital national coverage. Salt Lake City property tax follows the Utah state rate of 0.6 percent. Cogo Capital typically underwrites Salt Lake City acquisitions at standard rate sheets.
Yes. Provo ranks among the larger Utah investor metros and sees consistent DSCR loan volume from Cogo Capital. Submarket variation within Provo matters for property selection.
Cogo Capital applies the same rate sheet across Utah metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Salt Lake City, Provo, and St. George all qualify for the same Cogo Capital program.
Cogo Capital indicative DSCR rate range is 11 to 14 percent with 2 to 5 points.
Utah low property tax. Strong job growth. Ski STR (Park City) and southern Utah STR (St. George/Zion). Cogo Capital follows standard business-purpose loan structures.
Cogo Capital funds fix-and-flip, bridge, rental in Utah.
Utah 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 Utah 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.