THE NATION’S BEST
RESIDENTIAL PRIVATE MONEY LENDER
FOR NON-OWNER-OCCUPIED INVESTMENT PROPERTIES
INVESTING MADE SIMPLE
COGO CAPITAL LENDING CRITERIA
The first part of every successful fix and flip is finding the right real estate property. That’s why we’ve created this easy, 5-point guide to help you find the “sweet spot” deal, which can give you the best chance at making money in real estate, while safeguarding your investment.
At Cogo Capital we are only interested in providing hard money loans for projects that will give you the best opportunity at realizing success. Therefore our criteria is centered around these 5 points:

*Higher credit scores (680+), and down payment (20% or more) trumps 3,4 and 5.
What is the Federal Housing
Administration Loan Cap in Your Market?

State | {{fhaCriteriaRow.State}} |
County | {{fhaCriteriaRow.County}} |
Single-family Cap | {{fhaCriteriaRow.OneLiving | money}} |
Duplex Cap | {{fhaCriteriaRow.TwoLiving | money}} |
Triplex Cap | {{fhaCriteriaRow.ThreeLiving | money}} |
Fourplex Cap | {{fhaCriteriaRow.FourLiviing | money}} |
WHAT OUR CLIENTS SAY
“Good loans for fix and flip opportunities. Also good educational and training programs.”
“It is an excellent place on how to learn and grow fast in your real estate business. I highly recommend CogoCapital for you!”
“I had a wonderful experience working with Cogo Capital. My loan officer Bill Koder was amazing to deal with. He was always very prompt with communications and the whole deal went extremely smooth from start to finish. I deal with a lot of lenders and this was one of the best transactions I’ve ever completed so I had to write them a great review. Everything was simple and they delivered on what they promised. I’ve already referred to several other investors and Cogo is my new go to lender for all deals.”
“Without COGO, I would not be where I’m at today financially, and I’m glad that they gave me a shot on my first fix and flip. The 1 star reviews are just from the haters. If you’re new to real estate, and need a chance for funding, COGO is the way to go.”
“When banks say no call Cogo. They really helped me out. Everybody I worked with was top notch!”
“It was great working with Cogo again. This is my 6th loan and I am glad to have Cogo helping me grow my business.”
“You got us started and helped us finish with being the recipient of the very first 30 Year Loan with COGO! Jaclyn Olsen was burning some midnight oil to help us too. We are greatly honored! And there’s a back story. The property that secures that loan, is the very first house – a HUD repo fixer upper – I bought as a joint venture in 2003 with what I learned from Lee’s “Fortune in Foreclosure” material. I made my JV partner a $Million Buck$. Now…rinse and repeat!!!”
Robert, Tanya and Doug were maika’i (excellent in Hawaiian) in facilitating the entire loan process. They are very detail-oriented so I knew exactly what was needed. Their consistent and persistent follow-up emails and phone calls got everyone involved moving forward toward getting my project funded. Mahalo nui loa (thank you very much) for your kokua (help) and kala (money). ALOHA!
Cogo Capital goes beyond the extra mile to make getting funding for your project a reality. I would work with Robert and Tanya any day. They are the best loan originator and processor I have worked with.
From the time we were introduced to everyone on the team – from The Lee Arnold System of Real Estate Investing to the loan officers at Cogo Capital, the phone is always answered, we receive global customer service, and that service is supreme.
COGO CAPITAL IS A PRIVATE MONEY LENDER
OFFERING CREATIVE FINANCING SOLUTIONS
FOR FIX & FLIP REAL ESTATE INVESTORS
THROUGH PRIVATE MONEY LOANS
Watch this short video explaining our loan process
As a full-service Private Hard Money lender for real estate investors, we do most of the leg-work for you, while you build up your real estate portfolio and cash-flow all your deals.
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 Hard Money.
We’re an equity-based lender which means we care more about the property’s merits, and don’t focus on poor credit, or some of the other factors conventional lenders use to rate the risk.
WHY COGO CAPITAL IS THE BEST CHOICE FOR HARD MONEY LOANS?
We quickly analyze your deal to make sure it fits within our parameters and get you on your way. We don’t want you to do anything that would jeopardize your deals when you are flipping houses for profit. It’s your numbers and exit strategies that must make sense in order for us to provide financing.
We offer a full service Private Hard Money platform that will help you through your entire deal from application to closing. You don’t have to make any awkward phone calls to strangers for funds or worry about drafting documents, the HUD 1 statement, or pulling title.
Whether you need fix and flip loans, a rehab ARV loan, or a cash-out refinance, Cogo Capital is the answer you’ve been looking for.
We look forward to funding your real estate success!
OR CALL (800) 473-6051
FIX & FLIP RESOURCES
Want to get started with real estate investing? Check out these articles on flipping, investing, rehabbing, marketing, entrepreneurship, offer-writing, property evaluation, and much, much more.
Jumbo Mumbo: Don’t Size Yourself Out of Success
2020 is going to be a big year. It is time to set your sights high. Doing big things this year does not mean buying big, it means selling big. You will do yourself a ...
Think Inside the Box: Profit-Maximizing Loan Criteria
We are often encouraged to think outside the box. Innovative thinking can often bring long-term returns but, in real estate, at certain times in the market cycle, there is a place that brings consistent and timely returns. You can think of it as the “box.”
The Heart of the Deal The Three-Tiered Offer
At the center of every real estate deal is the offer. In fact, it is at the center of every business activity. It is to what all your gathering of leads, researching property, communicating with sellers/potential sellers, and scratch paper analysis leads.
MAXIMUM ALLOWABLE
OFFER CALCULATOR
• • • • •
What is the property’s value in its current condition?
only numbers are accepted
The value of the property in its current condition, not what you paid for it, not what you have it under contract for, but its true value: what it would sell for to a retail buyer if you sold it today.
MAXIMUM ALLOWABLE
OFFER CALCULATOR
• • • • •
What level of rehab will be necessary?
MAXIMUM ALLOWABLE OFFER CALCULATOR
• • • • •
What is the square footage of the property?
only numbers are accepted
The square footage of the property should only include those areas that are under trussed roof, livable, finished, and have either heating, air conditioning, or both available. It should not include garages, outbuildings, basements, or patios.
MAXIMUM ALLOWABLE OFFER CALCULATOR
• • • • •
What is the estimated After Repair Value (ARV)?
only numbers are accepted
Based on Comparable Properties in Area – Comparable means same square footage, external structure (brick, siding, wood, stucco), same number of bedrooms and bathrooms, and same demographical area)
MAXIMUM ALLOWABLE OFFER CALCULATOR
• • • • •
This is the maximum amount you should offer:
only numbers are accepted
This is only an estimate, and is based on general investor principles and experience.
Estimated rehab costs: $350,000.00
If the final value is $250,000.00, your gross proceeds will be: $123,000.00
MAXIMUM ALLOWABLE OFFER CALCULATOR
Fill out the form below to get access to the Maximum Allowable Offer Calculator.
After you submit the form, the link to the calculator will be sent to the email address you provide.
By submitting this web form, I expressly authorize Secured Investment Corp. to send me emails and text messages about its products and services using automated technology to the email address/phone number provided on the form above. This consent is not required to obtain our goods and services. We may use the info you submit in coordination with third parties to personalize your experience.
SUCCESS BUILDING WEBINAR
Each month, Cogo Capital CEO Lee Arnold holds a content filled message and training for real estate investors and private money industry insiders.

Get an invite by completing the form below
By submitting this web form, I expressly authorize Secured Investment Corp. to send me emails and text messages about its products and services using automated technology to the email address/phone number provided on the form above. This consent is not required to obtain our goods and services. We may use the info you submit in coordination with third parties to personalize your experience.