Single-Family (1-4 Units)

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Collateral Non-owner occupied, single-family properties, condos, and townhomes
Rates Starting at 7.99%
Term 12–24 months
Loan Amount 100K*–$3M
*Based on loan amount
Minimum Property Value $150K**
**As-completed value
Credit Score 680 minimum
Locations All States EXCEPT – AK, NV, ND, SD, MN, and VT


Assuming Entitlements, Permits & Approved Plans Maximum ARV Total Loan-to-Cost
Tier 1
Completed 10+ Ground Up Construction Projects
Up to 75% ARV Up to 90% Total LTC
Tier 2
Completed Between 5 and 9 Ground Up Construction Projects
Up to 70% ARV Up to 85% Total LTC
Tier 3
Completed Between 2 and 4 Ground Up Construction Projects
Up to 65% ARV Up to 80% Total LTC
Tier 4
Completed At Least 1 Ground Up Construction Project
Up to 65% ARV Up to 80% Total LTC

LEVERAGE BASED ON EXPERIENCE – Documented experience in the past three years

Construction budget follows a typical reimbursement draw process. All hard costs must have a permit.

Note: Lending available for all states in the U.S. except AK, NV, ND, SD, MN, and VT


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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.