The Nation’s Best Residential Finance Provider

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

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:
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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.

Why 1-4 Units?

This is important. When you invest within these parameters, you can attract a larger segment of the market, including FHA buyers. This increases your ability to appeal to more people in more demographics.

Why price your home at or below FHA requirements?

FHA loans bring home ownership into reach for first-time home buyers who might have a hard time getting approved with conventional lenders. This increases your ability to sell your property faster and broadens your ability to attract more potential buyers.  

Why a smaller home with no more than 5 bedrooms and 3 baths?

Millennials and Boomers are the two segments expected to dominate the market in the next five years. Both of these segments are looking at smaller homes: Millennials because they're just starting out; Boomers because they're downsizing. Candace Taylor of The Wall Street Journal wrote, "These days, buyers of all ages eschew the large, ornate houses... in favor of smaller, more modern-looking alternatives."

Why less than 1/2 acre?

Both Boomers and Millennials are looking for less upkeep: Boomers because they're getting older and Millennials because they're just starting out. More acreage also means more expense.

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

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
Non-Owner Occupied Single Family Residential (1-4 Units)
personal debt to income ratio Max 90%; As-is Loan to Value 80%; Loan to Purchase Price 85%
Rates: 6.25%-9.5%
Term: 30 years
Apply Now
Proof of Funds
Give Your offer credibility
Easy to generate
Close Deals Faster
$1,000,000 to $5,000,000

Send Cogo Capital a Message

We make every effort to messages requests within 24 hours during normal business hours. If we aren’t meeting your requests in what you consider to be a timely fashion, please feel free to reach out to us at 800 473-6051.

Thanks again!​


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Cogo Capital • 701 E. Front Ave 2nd Flr., Coeur d’Alene, ID 83814 (800) 473-6051[email protected] © 2020 Cogo Capital • All Rights Reserved NMLS #1760709 • Please click here for the Secured Investment Corp NMLS Consumer Access Page

* 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. 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.

Loans through Cogo Capital™ are not available in Minnesota, Nevada, South Dakota, Utah, or Vermont. Loans are available in New Jersey, New York, North Dakota, and North Carolina through Secured Investment High Yield Fund II, LLC. In all other states, loans are available through Cogo Capital. See the Map