Cogo Capital for Wyoming investors
Cogo Capital operates a private capital pool with more flexible underwriting than institutional hard money. Higher rates reflect the flexibility.
Wyoming context
Wyoming no state income tax. Jackson Hole ultra-premium STR. Strong LLC privacy.
How Cogo Capital positions in Wyoming
Within Wyoming, Cogo Capital competes alongside other DSCR lenders. Cogo Capital strengths: private capital pool, flexible underwriting. The medium aggregate DSCR economics of Wyoming create demand for Cogo Capital programs in Cheyenne and Casper particularly.
City-level coverage in Wyoming
Cogo Capital provides DSCR coverage across Wyoming metros including Cheyenne, Casper, and Jackson. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Cogo Capital program terms apply uniformly across Wyoming 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 |
| Wyoming property tax | 0.6% |
| Wyoming state income tax | None |
Cogo Capital strengths in Wyoming
- private capital pool
- flexible underwriting
Ideal borrower: Investor needing flexible private money for specific deal types
FAQ
Yes, operates nationally including Wyoming. Cogo Capital is based in Coeur d'Alene, ID and operates nationally.
Cheyenne is the top investor market in Wyoming and falls within Cogo Capital national coverage. Cheyenne property tax follows the Wyoming state rate of 0.6 percent. Cogo Capital typically underwrites Cheyenne acquisitions at standard rate sheets.
Yes. Casper ranks among the larger Wyoming investor metros and sees consistent DSCR loan volume from Cogo Capital. Submarket variation within Casper matters for property selection.
Cogo Capital applies the same rate sheet across Wyoming metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Cheyenne, Casper, and Jackson all qualify for the same Cogo Capital program.
Cogo Capital indicative DSCR rate range is 11 to 14 percent with 2 to 5 points.
Wyoming no state income tax. Jackson Hole ultra-premium STR. Strong LLC privacy. Cogo Capital follows standard business-purpose loan structures.
Cogo Capital funds fix-and-flip, bridge, rental in Wyoming.
Wyoming allows standard DSCR prepay structures; Cogo Capital typically uses 3-5 year step down.
Cogo Capital typical close: 7-14 days typical.
Bottom line
Wyoming investors considering Cogo Capital should verify current rate sheets directly and confirm specific submarket coverage.
Independent directory listing. DSCR Loan Program is not affiliated with Cogo Capital.