COGO CAPITAL HARD MONEY 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 funding projects that will give you the best opportunity at realizing success. Therefore our criteria is centered around these 5 points:

Cogo Criteria 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?

Choose the state where the property is located:
Choose the county where the property is located:
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}}

WHY THIS CRITERIA?

Homes above the FHA cap are statistically more likely to experience drastic fluctuations in value and can be more susceptible to local and overall market depreciation. Homes in the 5-point realm tend to be more resilient to these influences.

Cogo Capital’s slogan is “investing made simple.” This keeps it simple while giving you the best chance to make money in real estate!

FIX AND FLIP

Non-Owner Occupied Single Family Residential (1-4 Units)

Investment Purpose: Acquisition, Cash-Out, Refinance, Rehab

90% Purchase; 100% Rehab Not To Exceed 65% Loan To Value; Cash-Out Refi 50%

Rates: 8%-15%

Term: 6-24 Months

APPLY NOW

LONG-TERM HOLD

Non-Owner Occupied Single Family Residential (1-4 Units)

Property Debt To Income Ratio Max 90%; As-Is Loan To Value 80%; Loan To Purchase Price 85%

Rates: 6.25%-9.5%

Long-Term Hold

APPLY NOW

PROOF OF FUNDS

Give Your Offer Credibility

Easy To Generate

Close Deals Faster

$1,000,000 To $5,000,000

GET PROOF OF FUNDS