Cogo Capital for Wisconsin investors
Cogo Capital operates a private capital pool with more flexible underwriting than institutional hard money. Higher rates reflect the flexibility.
Wisconsin context
Wisconsin strong duplex and multi-unit DSCR. Property tax burden meaningful.
How Cogo Capital positions in Wisconsin
For Wisconsin specifically, Cogo Capital fits investors who match the private money approach. The high cash flow profile of Wisconsin aggregate makes it a target market for Cogo Capital.
City-level coverage in Wisconsin
Cogo Capital provides DSCR coverage across Wisconsin metros including Milwaukee, Madison, and Green Bay. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Cogo Capital program terms apply uniformly across Wisconsin 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 |
| Wisconsin property tax | 2.1% |
| Wisconsin state income tax | 7.65% |
Cogo Capital strengths in Wisconsin
- private capital pool
- flexible underwriting
Ideal borrower: Investor needing flexible private money for specific deal types
FAQ
Yes, operates nationally including Wisconsin. Cogo Capital is based in Coeur d'Alene, ID and operates nationally.
Milwaukee is the top investor market in Wisconsin and falls within Cogo Capital national coverage. Milwaukee property tax follows the Wisconsin state rate of 2.1 percent. Cogo Capital typically underwrites Milwaukee acquisitions at standard rate sheets.
Yes. Madison ranks among the larger Wisconsin investor metros and sees consistent DSCR loan volume from Cogo Capital. Submarket variation within Madison matters for property selection.
Cogo Capital applies the same rate sheet across Wisconsin metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Milwaukee, Madison, and Green Bay all qualify for the same Cogo Capital program.
Cogo Capital indicative DSCR rate range is 11 to 14 percent with 2 to 5 points.
Wisconsin strong duplex and multi-unit DSCR. Property tax burden meaningful. Cogo Capital follows standard business-purpose loan structures.
Cogo Capital funds fix-and-flip, bridge, rental in Wisconsin.
Wisconsin 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 Wisconsin 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.