Cogo Capital for Washington investors
Cogo Capital operates a private capital pool with more flexible underwriting than institutional hard money. Higher rates reflect the flexibility.
Washington context
Washington no state income tax (helps DSCR cash flow). Seattle tenant protections. Spokane more affordable.
How Cogo Capital positions in Washington
The Washington lender pool for DSCR includes Cogo Capital among the active platforms. Washington top metros (Seattle, Spokane, Tacoma) see meaningful Cogo Capital loan volume.
City-level coverage in Washington
Cogo Capital provides DSCR coverage across Washington metros including Seattle, Spokane, and Tacoma. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Cogo Capital program terms apply uniformly across Washington 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 |
| Washington property tax | 1% |
| Washington state income tax | None |
Cogo Capital strengths in Washington
- private capital pool
- flexible underwriting
Ideal borrower: Investor needing flexible private money for specific deal types
FAQ
Yes, operates nationally including Washington. Cogo Capital is based in Coeur d'Alene, ID and operates nationally.
Seattle is the top investor market in Washington and falls within Cogo Capital national coverage. Seattle property tax follows the Washington state rate of 1 percent. Cogo Capital typically underwrites Seattle acquisitions at standard rate sheets.
Yes. Spokane ranks among the larger Washington investor metros and sees consistent DSCR loan volume from Cogo Capital. Submarket variation within Spokane matters for property selection.
Cogo Capital applies the same rate sheet across Washington metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Seattle, Spokane, and Tacoma all qualify for the same Cogo Capital program.
Cogo Capital indicative DSCR rate range is 11 to 14 percent with 2 to 5 points.
Washington no state income tax (helps DSCR cash flow). Seattle tenant protections. Spokane more affordable. Cogo Capital follows standard business-purpose loan structures.
Cogo Capital funds fix-and-flip, bridge, rental in Washington.
Washington 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 Washington 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.