COMMERCIAL LOAN PROGRAM

Multi-Family, Mixed Use, Apartment Complexes, and More

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COGO CAPITAL, THE NATION’S FASTEST GROWING PRIVATE MONEY LENDER, DELIVERS SPEED, LEVERAGE, AND CONSISTENCY TO HIGHLY EXPERIENCED AND NEW REAL ESTATE INVESTORS!

COMMERCIAL LOAN GUIDELINES

Get a Commercial Proof of Funds Letter
Property Types Self-Storage, Apartment Complexes, Multi-Family, Mixed-Use
Loan Amounts $100K–5MM
Interest Rate Starting at 7.74%
Origination Points Starting at 1%
Referral Fee 25 bps (no brokering)
Evaluation Appraisal
Minimum Credit Score 650
Included States All States EXCEPT – IL, ND, NV, MI, MN, SD, VT
CLTV 90% maximum CLTV
Loan Type Acquisition and 30 Year (NO REHAB)

 

TERMS AND RATES

Tier Multi-Family and Mixed-Use 5+ Unit All Others
Fixed Term 30-Year 30-Year
LTV Max 75% 70%
1 FICO ≥ 750 7.74% 8.24%
2 FICO 700–749 8.24% 8.74%
3 FICO ≥ 650 8.99% 9.49%

GENERAL GUIDELINES

Loans < $250K Add 50 bps to the matrix above.
Loans > $750K Reduce rate .50%
Experience First time investor = 5% LTV reduction for all property types
Income Verification Simple documentation
Appraisal Process and Fee Contact your Account Executive to learn about our streamlined process and cost
Impounds Required for property taxes and insurance
Foreign Investors 65% maximum LTV
CLTV 90% maximum CLTV
DSCR 1.2 or higher

START LOAN APPLICATION PROCESS

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Not available where prohibited by law, or in states where Cogo Capital does not trade. Loans are available only on non-owner occupied real property. This is not a commitment to lend. All offers of credit are subject to approval. Restrictions may apply. Cogo Capital reserves the right to amend rates and guidelines. NMLS #1760709; Arizona Mortgage Broker License #0950084; California Finance Lenders License 60DBO-101344. Loans are also available in California through Cogo Capital Orange County, Inc. – California DRE License #01928542; NMLS #1051036. Please click here for the Secured Investment Corp NMLS Consumer Access Page.Disclaimer: The above statements are not and shall not, under any circumstances, be construed as a commitment on the part of Cogo Capital to provide any financing. COGO CAPITAL SHALL BE UNDER NO OBLIGATION TO FUND ANY LOAN TO ANY BORROWER UNLESS AND UNTIL IT IS SATISFIED, IN ITS SOLE AND ABSOLUTE DISCRETION, WITH ITS DUE DILIGENCE REVIEW AND FORMAL LOAN DOCUMENTS PREPARED BY ITS COUNSEL.