Cogo Capital for Virginia investors
Cogo Capital operates a private capital pool with more flexible underwriting than institutional hard money. Higher rates reflect the flexibility.
Virginia context
Virginia steady DSCR. Military presence supports demand (Norfolk, JBSA).
How Cogo Capital positions in Virginia
Virginia is well covered by national DSCR lenders, with Cogo Capital as one option. Where Cogo Capital differentiates: private capital pool. Where it competes: rates 11 to 14 percent against peer programs.
City-level coverage in Virginia
Cogo Capital provides DSCR coverage across Virginia metros including Virginia Beach, Richmond, and Norfolk. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Cogo Capital program terms apply uniformly across Virginia 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 |
| Virginia property tax | 0.9% |
| Virginia state income tax | 5.75% |
Cogo Capital strengths in Virginia
- private capital pool
- flexible underwriting
Ideal borrower: Investor needing flexible private money for specific deal types
FAQ
Yes, operates nationally including Virginia. Cogo Capital is based in Coeur d'Alene, ID and operates nationally.
Virginia Beach is the top investor market in Virginia and falls within Cogo Capital national coverage. Virginia Beach property tax follows the Virginia state rate of 0.9 percent. Cogo Capital typically underwrites Virginia Beach acquisitions at standard rate sheets.
Yes. Richmond ranks among the larger Virginia investor metros and sees consistent DSCR loan volume from Cogo Capital. Submarket variation within Richmond matters for property selection.
Cogo Capital applies the same rate sheet across Virginia metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Virginia Beach, Richmond, and Norfolk all qualify for the same Cogo Capital program.
Cogo Capital indicative DSCR rate range is 11 to 14 percent with 2 to 5 points.
Virginia steady DSCR. Military presence supports demand (Norfolk, JBSA). Cogo Capital follows standard business-purpose loan structures.
Cogo Capital funds fix-and-flip, bridge, rental in Virginia.
Virginia allows standard DSCR prepay structures; Cogo Capital typically uses 3-5 year step down.
Cogo Capital typical close: 7-14 days typical.
Bottom line
For Virginia DSCR borrowers, Cogo Capital is one option among many. Compare against 2-3 lender programs before committing.
Independent directory listing. DSCR Loan Program is not affiliated with Cogo Capital.