Novice Borrowing

- - Uncategorized

Real Estate is a long-term finance and management proposition.

You must be an efficient manager for your properties if you’re going to be a successful investor, but equally important, you need to secure a trusted source of financing.

Less money down equals more deals, more equity, more net worth, and more cash flow.

If you are just starting out in the investment world, the first source of financing you may think of is conventional, bank finance. That’s what you’ve secured for your primary residence, and it might be all you know. Especially if you’re new to this field. Conventional financing has perks, but not always for investing.

Let me explain the difference between conventional and private money.

As you may know, bank financing typically requires a down payment based on the appraised value of the home or the purchase price, whichever is lower. This doesn’t give you an advantage when buying a distressed home, and they’re not going to loan you money for repairs. All that additional cost will come out of pocket. This means that your investment into the real estate transaction is the down payment (up to 20%), the closing costs, and the bill for repairs.

**Let’s say you have a property for purchase at $55,000 that needs $20,000 in repairs to have an ARV (after repair value) of $100,000.**


Bank advantages; low-interest rate, long-term financing

Bank disadvantages; they require an inspection.

If the house needs $20,000 in repairs, the bank is not going to loan out the money until the repairs are done. You can go to the owners and request they do this for you, which isn’t likely going to happen. And if you’re buying the property as a foreclosure, that’s definitely not going to happen. Also, banks won’t allow double closes or assignments, so when you get a deal from a wholesaler or flipper wanting to assign the property to you, the bank isn’t going to allow it. This excludes many potential deals.

Now, let’s say you can get over all of this. Here’s the worst disadvantage for turning to a conventional loan for a distressed property; it can take 30-60 days to close. When you’re buying these properties from motivated sellers or from banks that want to get rid of the asset, time will kill the deal. A motivated seller will take a lower offer if you can assure them the property will close in, say, ten days.

Bottom line for this example; if you’re able to secure a bank loan for a distressed property, you’re looking at a 55% ROI. Not bad.

Now, let’s talk about private money, which comes from a private source specifically for real estate investors.

In contrast to a bank loan, these loans have a higher interest rate and a shorter-term loan, as they are designed specifically for short term investments. A private money lender knows the property could be in rough, distressed shape, and that’s okay. The cost of the repairs can be covered in the loan, which means no out of pocket from you for the rehab of the property. The biggest advantage–contrasting of course with the long process of a bank loan–is that a private money lender will close on the property in as little as a few days. This strengthens your offer, giving you an advantage over other interested parties who have bank financing.

Private money lenders will loan based on the ARV and not based on the purchase price. The lower you buy the property for, the less you’ll bring to the table. Less money down gives you the opportunity to do more deals, which is more opportunity for profit.

If you turn to a Private Money Loan for this example, your ROI jumps from 55% to 200%. Which would you choose?

Each finance option serves a purpose, but if you’re investing (and especially if you’re flipping), get a fast quote from For more, check out: Cogo Capital _ Private Money For For Real Estate Investors

To Your Success;

Lee A. Arnold


The Lee Arnold System of Real Estate Investing

Follow me on Twitter: @CogoCapital  and @LeeArnoldSystem 

For our latest success stories, click HERE to read how others are finding, funding, and making money on their deals.

6 Steps to Fantastic Follow Up

Indulge me by answering this simple question: Would you rather spend all your time and resources hunting for new clients, or spend less time maintaining your current client relationships?

If you chose the first option, will you send me all your old client information so I can mine for the gold?

Many people don’t realize how big a gold mine they’re sitting on with the numbers in their directory. I’ve seen people build multi-million dollar businesses off of a client base that steadily grows but remains largely the same. Why? Because these business owners understand the importance of maintaining quality client relationships that lead to more business.

Even if you only have a few clients (or none at all because you’re just starting), you can build a solid client base by practicing my follow-up system.

Maintain Communication

Regular follow-ups give the customer a chance to be heard and engaged effectively. Whether you know it or not, many clients expect you to keep in touch. People want to be told what to do and expect next, so provide them with tangible opportunities. They may even have another property or job lined up for you, but unless you reach out, they could take it elsewhere.


Following up makes your customers feel special, therefore increasing reliability from them. But, what happens when you follow up and they have a beef with you? LISTEN to it! Provide them with a chance for you to prove yourself by improving what needs to be corrected, and you may end up with the strongest client connection you’ve ever had. You can never listen your way out of a customer.

Go the Extra Mile

When you fulfill a customer’s expectations, you’ve already given them a reason to business with you again. Remind them with regular follow-ups, and you’ll inspire them to remain loyal supporters of your business.

Offer Incentives to Let Them Know You Appreciate Them

Send them a package of cookies or a coffee gift card; you’ll never know how great an impact something so small can have on your business until you do it. Studies show that when people feel appreciated by you, they associate the feeling with working with you.

The opposite is painfully true. 68% of customers leave a company because they perceive that the company is indifferent toward them. If you could avoid losing 68% of your clients by showing them you care, would you?

Make It Easy for Them to Work with You

When working with you is the next logical step for your clients, and you remind them of this through your follow-up system, then you won’t be short on business opportunities. Keep your process simple, anticipate their needs, and stay up-to-date on your consumer knowledge.

And lastly…
Make It Easy for You to Follow Up with Them!

Set yourself up for success by systemizing your follow up routine. Set up:

– A Customer Relationship Management System (CRM)
(You’re going to spend all this time making calls, dropping letters, and securing customers, but who is communicating with them when you’re on vacation?)
– An email deliverability service which sends emails, surveys, and auto-responders
– A Website
– A Blog
– A system to send out newsletters, reports, and webinar invites
– An online system to disseminate real-time information for client consumption (webinars)

Remeber; be annoying, be a pest, and be a CONSTANT REMINDER that your service provides others with RELIEF. The worst thing you can have in your business a client with a deal come to you with a missed opportunity because they lost your number!

Something as simple as a phone call can tell your client that you don’t take them for granted.

For more on creating a quality Follow-Up System, CLICK HERE.

I’m unveiling a new Lien Abatement program in Las Vegas in December. (To read more about it, CLICK HERE and HERE.) This information will give you a HUGE edge against your competition. It’s fast approaching. You don’t miss this training! Lein Abatement Specialty Certification weekend in Las Vegas on December 7th-10th, call us at (800) 473-6051.


To Your Success;

Lee A. Arnold


The Lee Arnold System of Real Estate Investing

Follow me on Twitter: @CogoCapital  and @LeeArnoldSystem 

Have a deal? Visit us at to fill out your fast and easy quote. Want to learn more about COGO first? CLICK HERE to get to know all the ins and out!

For our latest success stories, click HERE and HERE to read how others are finding, funding, and making money on their deals.

The Reduction of the Ridiculous


Did you know that you could own a beautiful home worth $500,000 for the change you might find under the seat of your car?!

Now, before you get up in arms about me making unrealistic, outlandish financial claims, let me explain:

If you purchase a house for $500,000 with 20% down at a 3.78% interest rate for 30 years, you’re going to pay $1,859.28 a month on your mortgage.

Take $1,859.28 and divide it by the days in a month:

Now, divide by the hours in a day:

Finally, by the seconds in an hour:

If you pay just $0.04 (ONLY FOUR CENTS!) per second for thirty years, you too can own a half-million-dollar house!

Did you see that? I just made a giant sum of money (That’s $669,340.8 after you’re done paying it off in 30 years) look manageable!

I jest, but not without a point. If you can take a large sum of money and make it look minimal and achievable, then you can take a sizable goal and turn it into minute, actionable steps.

How do you make it as simple as it sounds? By using a tool, you’re already employing elsewhere; your habits. By redirecting your patterns and behaviors, you can take small moments and multiply them into considerable successes. Now, you can’t habitually create $0.04 per minute–the money is a product of habits you put in place to generate that income. But you can develop better practices when it comes to employing better behaviors.

“It is better to take many small steps in the right direction than to make a giant leap forward only to stumble back.” Chinese proverb

Let’s consider another example.

Assume you have 50 extra pounds of body fat than you’d like to. If your goal is to “lose weight,” but there isn’t any behavioral change behind it, how are you going to make it happen?

I hear from people all the time that they want to “make more money” or “be a millionaire.” I love goals, but without action, just stating a financial goal is as effective on your bank account as whispering song lyrics in front of American Idol.

So, you want to lose 50 pounds. Great! How do you break that on a time-manageable level? “I’m going to lose 50 pounds in two months!” isn’t very sustainable.

“I’m going to be a millionaire by the end of the year” isn’t achievable from the position of a beginner as, say, “I’m going to earn $40,000 above and beyond what I’m making this year, and will strive for $100,000 the year after.

If you break losing 50lbs down into 50 weeks, that’s a pound a week for a year (if you account that a few weeks won’t result in a loss, no matter how hard you try). If it takes 3,500 calories of intake to make a pound and 3,500 burned calories to lose a pound, then for the seven days of the week, you only need to have a 500 calorie swing. You can burn an extra 250 by riding your bike at a pace of 14-16 mph for 25 minutes AND refrain from eating 1 candy bar OR avoid drinking 1 16 oz bottle of soda.

If you want to make $100,000 in a year, you’re looking at retailing four houses for an average profit of $25,000 a piece. To get four houses under contract, rehabbed, and sold in 12 calendar months, how many offers do you have to make? To make those offers, how many leads do you need to call?

If you’re familiar with the Lee Arnold System of Real Estate at all, you should know this answer. If you don’t know the Rule of 56, you should read about it HERE.

If you need to mail 25 letters a week, divide that by five working days, and you only have five a. What do you suppose would happen to your real estate business after a year if you committed to mailing five letters every day on your lunch break.

You already have habits. I’m not asking you to do more than you’re doing. But, if you take that hour lunch period to mail letters instead of catching up on office gossip or doing a crossword puzzle, and that one act would catapult your business, would you do it? If you could avoid 1 Taco Bell Soft Taco Supreme with gaucamole every day and walk the dog for 30 minutes in the morning to drop that comfort weight that’s crept up on your for two decades, would you do it?

Take your large goals, break them down, and employ manageable steps, you’ll be able to “eat the elephant” one spoonful at a time.


Register to attend an upcoming Funding Tour and immediately receive a $250,000 pre-approval letter for buying real estate investments!


Always Encouraging You;

Lee A. Arnold


The Lee Arnold System of Real Estate Investing

Follow me on Twitter: @CogoCapital  and @LeeArnoldSystem 

Have a deal? Visit us at to fill out your fast and easy quote. Want to learn more about COGO first? CLICK HERE to get to know all the ins and out!

For our latest success stories, click HERE to read how others are finding, funding, and making money on their deals.

My Secret, Exposed

- - Borrowing, Flipping


Want to know a secret? Something that’s resulted in putting together more deals than I can count?


I have a client in San Francisco who I worked with back in April 2012. I’d been working with my client since the November of the previous year, teaching him how to find, work, and secure leads by using the Rule of 56. While in California visiting, my client told me he had a beautiful home (that’s code for completely trashed) in a nice neighborhood that he had gone “out of his way” to track down the owner.

So, I ask him what he’d done to find the owner. He said he went to Craigslist, searched on Google, tried People Finders, and even paid to $25 for a report. He’d contacted the owner’s nephews, nieces, cousins, and nobody knew where this guy was!

Clearly, at this point, I’m intrigued. So, while I’m out there doing business, I ask my client to show me the property.

He took me out to the property near UC Berkeley, behind the beautiful Clarion Hotel. This property sits right below the Clarion. The piece of land the house sits on is worth a million alone. Fix up the house, and the property value was $1.5 million without blinking an eye. And this was back when Facebook, just 20 minutes away, was turning out thousands of millionaires in the bay area via the IPO.

To get to the front of the house, we literally walked over trash, tumbleweeds, boards, and piles of garbage. Under it all, I could sort of see a house, but it was quite a trek to get there.

Now, I did something at that moment that if you will employ this one strategy into your business, you will make more money than you could possibly imagine.

This is my secret, but I’ll share it with you. I need you to pay attention and write this down.

Are you ready for it?

Here it is.

I knocked on the door.

It opened. “Can I help you?”

“Good evening, Sir,” I said. “My name is Lee Arnold. We’re real estate investors who love this neighborhood, and we’re looking to buy property in the area, and I’m curious if you knew of anyone willing to sell.”

What do you suppose he said?

“Well, I might be willing to sell,” he said.

Really?! Shocking, right? I mean, this guy had a proverbial billboard in front of his property saying, “I hate this home, come buy it from me.” No one trashes a house they love. (I wasn’t surprised by his answer, in case my sarcasm didn’t properly translate.)

So, my client continues to go back to this property, building a relationship with the owner. A few weeks later, he sends me a message stating that he has another appointment with the homeowner. So, I told him, “Do not leave that house without getting a signed offer.”

“But,” my client protested, “he hasn’t accepted an offer I’ve made him.”

I told him it didn’t matter and to print off a purchase and sales agreement with his name on it and the homeowner’s name on it, and to GO!

So, he went.

If you haven’t read my article about never leaving a property without making an offer, CLICK HERE.

Then, I got an email from my client later that day saying the man accepted the offer and signed the agreement.

“Great!” I said. “What’s the price?”

Want to guess what my client paid for that $1.5 million property?


All because my client followed the Rule of 56, created leads, and then followed up with them until he got an offer accepted.

I cannot tell you how many clients I have through the Lee Arnold System of Real Estate who spend all this money and energy producing and creating leads, and then they don’t mail, they don’t call, they don’t follow up, and they don’t write offers. Then, they wonder why they’re not succeeding.

It’s not too difficult.

If we sat down together and I asked just three questions, I could find out the status of your business.

  1. How often are you mailing?
  2. How often are you calling?
  3. How many offers have you written?

If you’d like to have a six-figure business in the next twelve months, all you have to do is follow this simple rule. To read more about what the Rule of 56 is and how to use it in your business, CLICK HERE.

Do you want to have a good problem to have? Be UNABLE to call all your leads because you have too many. But, until you’re overflowing with people wanting to sell you their house, you need to follow this simple formula to success. Then, once you have your pick of the deals, where do you go to get them funded? (I’ll help you out; the question is rhetorical).

If you’re ready to start working with private money lender that puts you first,  COGO Capital, call us at (800) 473-6051 to discuss your deal or go to to receive a rate quote. For our latest success stories, click HERE and HERE to read how others are finding, funding, and making money on their deals.

We can teach you what to say in your letters to yield results.

We can instruct you on what to say on your phone calls.

We can help you find events.

We can show you how to make offers.

Let us help. Call 800-533-1622 to talk to a business developer or attend an upcoming Funding Tour to learn how to solve the riddle of your journey to success.

To Your Success;

Lee A. Arnold


The Lee Arnold System of Real Estate Investing

Follow me on Twitter: @CogoCapital  and @LeeArnoldSystem 

Have a deal? Visit us at to fill out your fast and easy quote. Want to learn more about COGO first? CLICK HERE to get to know all the ins and out!

The Art of Marketing

- - Entrepreneurship

You may have 99 problems, but marketing shouldn’t be one.

“Marketing is too important to be left to the marketing department.”~ David Packard

If you are new, if you are experiencing, if you have a pulse, you need to be marketing more. Unless clients are beating down your door to do business with you, you need to vamp up your marketing strategies often to reach more of the right kind of people to do business with.

Your ideal clients are out there, whether you broker, wholesale, or fix and retail homes. But before they can be clients, they have to be leads, and they don’t become leads without first being marketed to.

Here are Ten Tips to Successful Marketing to jump start your business:

1- Respect people’s time. This goes for writing ads to setting up meetings. Be brief, be knowledgeable, be articulate, and value the time of the person you’re communicating with, or they won’t want to spend time interacting with you.

2- Make people feel good about their purchase. This is also known as a “Stick Campaigns.” Make sure they know you value their business by sending them appreciation, buying them dinner, or simply sending a note of thanks.

3- Write and test your headlines. If you’re running craigslist ads, change up your ad with some split testing. Put two ads out there with the same message and use a different headline for each. Throw a different phone number on each ad and see which gets more calls.

“The aim of marketing is to make selling superfluous.” ~ Peter Drucker

4- Turn your services into client benefits. If you aren’t benefiting your clients with your services, and you can’t actively show how you’re doing this, then people are going to view you as someone who just wants their money. Do you do business with people who just want your money? I suspect not.

“Help your customers and you help your business.” ~ Leo Burnett

5- Use an emotional pull in your marketing. What is it in your marketing that makes people want to take action and get involved in what you’re doing? If you ask the right kind of questions to figure out what someone wants and can highlight those benefits, you’ll connect emotionally and increase your chances of turning a lead into a client.

“Stop interrupting what people are interested in and be what people are interested in.” ~ Craig Davis, former Chief Creative Officer at J. Walter Thompson.

6- Let the customer testimonials do the talking. If you aren’t getting 3rd party customer testimonials (comments on your blog, video testimonials, written recommendations), then you’re missing out on one of the most powerful forms of referral. Get people to say nice things about you and then get permission in writing to use those testimonials in your marketing.

“Make your customer the hero of your stories.” ~ Ann Handley

7- Create a sense of urgency. Want another powerful tool? Offer to give something small but valuable away for free, and then make sure you don’t give it to someone until you get what you want from them (i.e., contact information or their lead list).

8- Harnessing the power of referrals. When you close a loan, ask them for three people who could benefit from your services. If you’ve done great business with people, they’ll be eager to refer others to you, but may need a reminder. Open mouth, open business.

9- Use the phone as a tool. Don’t struggle with “phone fear.” Most of you, after dialing a number and waiting while it rings are thinking “please don’t pick up, please don’t pick up.” If you can get friendly with the telephone, you’ll begin to understand why the phone is the most effective form of communication because it doesn’t require you to travel. Surely, driving out to see someone face-to-face and getting to know them is valuable, but to accomplish the amounts of communication you need to succeed, the phone is your best friend. Pick up the phone and talk to people! You won’t regret maximizing the quality of contact.

10- You must envision your success before you begin. This is true for all business. I’m huge on goal setting and establishing your vision of what you want to accomplish and when you want to accomplish it. If you’re eager to get back into your goal setting, don’t wait until the new year. The more clearly you can narrow in on your goal with specific details, the more likely you are to achieve what you have envisioned. I’ll be talking about goal setting during my next CEO Fireside this coming Monday, November 6th at 5:30 pm PST. To learn more or register to participate in this webinar, you can do so HERE.

Using these tips to increase your marketing power, you will generate more leads and convert them into more clients. Don’t forget to join me on Monday, November 6th for a goal-setting focused CEO Fireside. I’ll see you there!

To Your Success;

Lee A. Arnold


The Lee Arnold System of Real Estate Investing

Follow me on Twitter: @CogoCapital  and @LeeArnoldSystem 

Have a deal? Visit us at to fill out your fast and easy quote. Want to learn more about COGO first? CLICK HERE to get to know all the ins and out!

We have several Funding Tours fast approaching. If you’d like to have your ticket paid for AND receive a $250,000 pre-approval letter for attending this 3-day educational even, CLICK HERE to learn more or call us at 800-533-1622. We’ll even take you into the area on a bus tour to learn hands-on what it is like to find and fund a good deal. If you’re a beginner, you CANNOT afford to miss this opportunity. I’ll see you there.

4 Steps to Securing a Contract

- - Borrowing


Pop quiz!

You’ve found the perfect distressed house to invest in. The owner wants to sell it to you for low enough that after you put the estimated cost of repair in it, there’s plenty of room for profit. What do you do now?

a) Shop for funding.

b) Start a bidding war between lenders.

c) Start demo, the house is as good as yours!

d) Put the property under contract.

It might seem ridiculous when you look at it in multiple choice, but the problem is less than silly because people the wrong choice every day. In fact, this misunderstanding is so common that we have to talk about it again. (Yes, we’ve talked about it before.)

The first and most important part of securing private money is getting a property under contract. The biggest mistake you can make in funding your deals is shopping too early for the money, yet we see it all the time.

As a private money lender, we see this scenario often:

An investor comes to us, excited about an incredible they found. They’ve learned all about the property and are on the hunt for cash. They may know the cash flow possibilities, the prospects of the property, and have done their due diligence, but they are missing the most important element to get the funding channels flowing; they haven’t secured the deal yet.

Without putting the property under contract, they have nothing to go on. No lender worth their salt will entertain the application process on a property that isn’t under contract. Why? Because as long as the property isn’t under contract, it’s up for grabs by anyone and everyone, and any time spend on that property is wasted if the house is snatched up by someone whose priority is getting it under contract.

Then, the once-excited investor is disappointed—dead in the water from the very start—and often gives up trying.

Don’t let this happen to you!

Getting a house under contract is easy with four simple steps.

  • 1. Prospect and review potential properties
  • 2. Write offers
  • 3. Get offers accepted by the seller
  • 4. Put earnest money in escrow to complete the contract.

Once you’ve completed these four steps, you have a fully executed purchase of sale agreement, the property is under contract, and you are READY to shop for cash.

Getting the cash is usually the easiest part. We shepherd you through the loan process and find the lender for you without application fee.  Each successful loan you do with us builds your reputational capital. Once you’ve done one successful deal with us, the next one is even easier and each one after that feel like a piece of cake.

We’re looking forward to working with you on your next loan. Get that property under contract and get ahold of us so we can help accelerate your real estate investment success!

Have a deal under contract? Visit us at to fill out your fast and easy quote. Want to learn more about COGO first? CLICK HERE to get to know all the ins and out!

To Your Success;

Lee A. Arnold


The Lee Arnold System of Real Estate Investing

Follow me on Twitter: @CogoCapital  and @LeeArnoldSystem 

For our latest success stories, click HERE to read how others are finding, funding, and making money on their deals.

Restoration for a Flood Community Done Right

- - Testimonial


Ronald and Chandra Gibson work with “flooded and gutted” homes that run the gamut of issues from mold to rot to health hazards.

Because of the severity of these concerns, Ronald understands and preaches the importance of never cutting corners. He’s built up such a reputation, in fact, that agents seek him out and get deals to him first and appraisers use his houses as comps as he sets the tone for each neighborhood.

Ronald and Chandra ease any misconceptions about the homes previous flooding by always presenting high-quality results. Chandra does the interior design, and although they understand that it often means more money spent, their motto is “If we wouldn’t move into it, we won’t put it on the market.” And with a motto like that, they’ve never had a house sit on the market more than one day. They often reconstruct the interior layouts to make sense and, according to Ronald, “woo people” with their design.

Ronald tries to sell each house before it goes on the market, and has had three pre-sales out of that strategy.

With a full-time job with shell chemicals and three kids–13, 12, and 7 years old–Ronald and his wife, Chandra have found a way to keep their schedules full of restoration projects without sacrificing work and family time to do it.

Recently, they closed two properties with Cogo Capital.

The loan amount for the first property came in at $104,975.00 and after the house sold, Ronald pocketed a healthy $114,520.04.

The loan amount on the other was $159,250.00 and sold for $299,000. After deducting rehab and closing cost, he netted a profit of $67,875.64.

With the advice of his Success Accountability Group coach, Mike, Ronald has had people calling him for help. Recently, he was approached by a fellow investor who got near the finish line with the property only to learn that the mold wasn’t properly taken care of and overtook all the new cabinets, drywall, and finishes. Ronald tries to help by buying out projects that he can, but if the numbers don’t make sense, he can’t always help.

For more on the Lee Arnold System of Real Estate and the Success Accountability Group and coaching, call (800) 473-6051 for information and to start your journey of success today.

He has had a “beautiful experience” working with COGO. “If there have ever been bumps and bruises,” Ronald said, “the COGO staff is quick to clean them up and provide great communication.”

The loan officers walk him through everything as needed. In fact, Ronald and Chandra were recently in the process of purchasing their own home, and the mortgage company needed all sorts of documentation about their investing work.

“Cogo was more than helpful and accommodating with the information we needed.”

In addition to these 2 houses, they have another house they financed through Cogo that Ronald bought for $75,000 that should go for $299,000; a project that is already gutted and he estimates will cost $60-70,000 to fix. Ronald is also managing two smaller projects Cogo financed projects that he bought for $33,000 and $40,000 with a retail price point of about $120,000 each. After renovation costs, he stands to make $30-40,000 on each of those.

His advice? Take action! He often interacts with people who started with the Lee Arnold System of Real Estate at the same time as he did, yet they haven’t moved from where they began. Always trying to move them forward, Ronald wants to see them succeed alongside him and encourages them to press on.

We appreciate his encouragement to others and support Ronald and Chandra in their continued success!

Your Partner is Profit;

Lee A. Arnold


The Lee Arnold System of Real Estate Investing

Follow me on Twitter: @CogoCapital  and @LeeArnoldSystem 

Have a deal? Visit us at to fill out your fast and easy quote. Want to learn more about COGO first? CLICK HERE to get to know all the ins and out!


A Faster and Better Loan Process

- - Borrowing

As a full-service Private Money lender for real estate investors, we do most of the leg-work for you. While you build your real estate portfolio, we fund your deals fast. Whether it’s for wholesale, rehab, or buy-and-hold for long-term cash investment deals, COGO Capital delivers fast and easy access to Private Money.

Private money lenders like COGO Capital are just as interested in working with you as you are in working with us! It’s a real estate investor’s symbiotic relationship where both sides stand to gain something from every deal.

In return for interest on our investment, we are entirely capable of bringing speed and efficiency to every transaction. In turn, your leverage with the homeowner increases when you offer to purchase a property with private-cash funds.

We’re here to serve you with excellent rates and unbeatable terms.

BUT…we can all work to make this process a little smoother and a faster.

If you’re working on a loan that you want to be done quickly and correctly, you’ve come to the right place. Now, let’s maximize your contribution with some carefully placed sweat-equity in the process.

Top things you can do to assure a more expedient loan process:

– Have your documentation ready and return it promptly.

– Watch for emails and communication when we need your signature. It happens all too often that a loan is held up because of one needed DocuSign signature that sits in your inbox for a week.

– A loan can be stopped or slowed down during processing when the borrower doesn’t look at the Needs Lists. When a loan officer sends out a specific form that needs to be taken care of, act quickly.

– Talk to us. A lot of people feel they can complete a file without asking questions, but it’s usually faster to ask and get it right than send in the wrong information. You can always call us at (800) 473-6051 to clear up any inquiries or to get support.

Together, we can build a smooth process and a quality experience that will make you money over-and-over again!

Are you ready to start working with private money lender that puts you first? If you are interested in a loan from COGO Capital, call us at (800) 473-6051 to discuss your deal or go to to receive a rate quote. For our latest success stories, click HERE and HERE to read how others are finding, funding, and making money on their deals.

We look forward to funding your real estate success!

To Your Success;

Lee A. Arnold


The Lee Arnold System of Real Estate Investing

Follow me on Twitter: @CogoCapital  and @LeeArnoldSystem 

Have a deal? Visit us at to fill out your fast and easy quote. Want to learn more about COGO first? CLICK HERE to get to know all the ins and out!

Another Successful Rehab

- - Testimonial

Deepa Quadir-Alam is no rooky when it comes to real estate deals. She brokers them, she has flipped three of them, and she buys and sells them as an agent. The last property she closed with COGO was a home she found herself on the MLS.

With a loan price of $107,250, Deepa finished the project from loan to closing in under six months, pulling from it a profit of $17,500.

This New Jersey home was a smooth job, for the most part. Trouble wasn’t far from the beginning, however, when her first contractor abruptly dropped the job before the scope of work was completed. It proved an insignificant hurdle in the end.

She then hired a new contractor using Lee’s contractor contract was able to stay on COGO’s draw schedule for the project.

After a few projects, she has realized the detailed scope of work changes a little each time, and Deepa gets to know more of what needs to be done each time. She builds upon her knowledge each time, always striving for better.

During the project, Deepa encountered a problem when she discovered that an underground oil tank had been removed before she took possession of the property yet still needed to provide proof to the EPA that it had been safely and properly removed. The document took time to produce a “no action required” letter. The benefit to the snag in her plan was that it bought time to find a new contractor after the first abandoned the project.

The lesson, she said is, “Don’t stress over too many things, it could work out for good.” And her timing worked out well, in the end.

Otherwise, the project ran smoothly. The project was delayed a little because the painters fell behind with the spackling. But again the delay proved a benefit. The comps in the area were suffering and would’ve meant a lower sale price had it not been for a last-minute comp that sold at a high value and saved the price of hers. Any sooner and Deepa would’ve had to sell the home at a lower value. Again, she mentioned the perfection of the timing and the hidden blessing in the delay.

Moving forward, Deepa is closing on an REO now; just waiting for the seller to sign and getting a contractor quote. Deepa sold a house to a friend as an agent, is closing another in October, and is buying one in November. Her future in flipping is ripe for the picking, and her biggest piece of advice is to “Find a good handyman!”

Deepa found her handyman though her contractor, and he saved the day with all the little things at a reasonable price. She maintains a good relationship with her handyman, and he remains accountable to her requests and communicates well.

“Even if you can’t find a good contractor, find a good, insured handyman to do the small jobs, and you’ll stay on schedule.”

To learn more about the products and services Deepa has taken advantage of, including participation in the now-replaced Lee’s Inner Circle and Rehab for Riches, call us at 800-533-1622. If you have a great deal that you’d like COGO Capital to fund, call us at (800) 473-6051 or visit to get a fast quote.

We’re moving to better serve you!

Check out a preview of our new location here:

5 Tips for Real Estate Beginners

- - Getting Started

When you’re just starting out in real estate investing, you’re flooded with a blend of emotions; excitement, anticipation, and likely a little trepidation. It can be daunting to realize how much there is to learn. Rest assured, along with the Lee Arnold System of Real Estate, we’re here for you, providing the education, direction, and content you need to get started and thrive on your journey to success.

Still, it doesn’t hurt to start that journey with a few nuggets of wisdom from someone who’s been around the block for a few decades.

Here are 5 of my top tips for beginners, in no particular order.

1. Be educated enough to start, then get a coach to take you to the next level.

You definitely want to know the basics, but once you figure out how simple a lot of this can be, you’ll crave the details where a lot of money is hiding. That’s where a coach comes in. Also, this industry changes constantly. If you don’t stay on top of your market, you could be leaving money on the table. A coach or mentor can help you focus on what works best today, and it’s never too early to have one on your side. If you’re interested in obtaining a coach, let us know by calling 800-533-1622. If you want to see what having a coach could do for your, read our latest success story HERE.

“The people you surround yourself with influence your behaviors, so choose friends who have healthy habits.” Dan Buettner

For more about associating with the best, read THIS ARTICLE HERE.

2. Start by wholesaling first.

I teach that when you acquire a property, you should have a clear strategy for selling it from the start. First, try to wholesale it. Then, if it doesn’t sell on the wholesale market, fix and retail it. Sell it with owner finance if it sits on the market too long (tying up your capital), and finally rent it out if it’s not moving.

Why sell wholesale first? You can make more by fixing and retailing than wholesaling, right? Well, if you have a steady stream of leads, not only should you have plenty of houses to purchase, but wholesaling will make you quick money. Plus, for a beginner, it’s less daunting to get a few wholesale jobs under your belt, be acquainted with the process, and pocket some income which I believe will fuel your new obsession with success. Once you see how little work goes into wholesaling ($5,000 for 10 hours of work, anyone?*), your confidence will rise. Plus, we all know that mistakes are a part of life, a part of growth, and a part of every business. Take Robert Kiyosaki’s advice; you’re going to make mistakes, so you might as well make them right away when your business is small.

“If you’re not making mistakes, then you’re not doing anything. I’m positive that a doer makes mistakes.” John Wooden

If you want to learn more about building your database of wholesalers, READ THIS ARTICLE HERE.

3. Keep your day job.

I want to get you making a supplementary income BEFORE you let go of your regular earnings because I want you to enter into the Circle of Wealth faster. What’s the Circle of Wealth, you ask? CLICK HERE to learn more, but basically, we want to get you to the point of having $250,000 liquid cash as fast as we can so you can then focus on becoming an investor.

4. Be consistent.

At first, you’re going to be obsessed with figuring this business out…at least you should be. The income potential is so great that if you aren’t a little crazy about learning, you don’t truly see the potential. However, once you’ve taken a loan for a spin around the block, you want to make decisions based on numbers and not emotion. If you don’t know the first thing about the numbers, that’s what we’re here for. Try our home study course (call 800-533-1622 for details on this complete at home class) or an event like a Funding Tour or sign up for our email subscription list to stay on top of the webinars we provide and attend my Scratch Paper Chronicles where I break down the numbers in real time on your projects.

Don’t worry! Even if you are feeling emotionally attached to a project, if you want to fund it with COGO Capital, we won’t loan to you unless the numbers make sense. We’ll never fund to you if we know you’ll lose money on a deal because we want you to succeed!

Lack of consistency can bring a lack of interest.

“It’s not what we do once in a while that shapes our lives. It’s what we do consistently.” Anthony Robbins

5. Even if you feel like you don’t know what you’re doing entirely, start marketing anyway!

You do not have a business without generating leads. I hear it every day; people struggle along looking for good deals, and once they figure out how to market themselves, they wonder why they didn’t do it sooner! Market yourself right away, hone your marketing skills (try reading THIS ARTICLE HERE to strategize about how to do this), and remain consistent in your efforts. If you don’t market, you won’t have any deals, and without deals, your business is not much more than a dream and a wish.

“Start where you are. Use what you have. Do what you can.” Arthur Ashe

I get it, it’s a lot to learn. Becoming educated can feel like a mountain climbing excursion. But it doesn’t have to! We’d like to help. Our motto is “We get more of what we want by helping you get more of what you want.”

“Surround yourself with only people who are going to lift you higher.” Oprah Winfrey

We have several Funding Tours fast approaching in Seattle, Portland, Phoenix, and California. If you’d like to have your ticket paid for AND receive a $250,000 pre-approval letter for attending this 3-day educational even, CLICK HERE to learn more or call us at 800-533-1622. We’ll even take you into the area on a bus tour to learn hands-on what it is like to find and fund a good deal. If you’re a beginner, you CANNOT afford to miss this opportunity. I’ll see you there.

To Your Success;

Lee A. Arnold


The Lee Arnold System of Real Estate Investing

Follow me on Twitter: @CogoCapital  and @LeeArnoldSystem 

Have a deal? Visit us at to fill out your fast and easy quote. Want to learn more about COGO first? CLICK HERE to get to know all the ins and out!

*This is a loose, low estimate based on what my clients and I make on an average deal.