The Nation’s Best Residential Finance Provider

Rates and Terms

Cogo Capital provides fast and creative financing solutions for today’s investor, making finding funding the easiest part of any real estate deal. An excellent alternative for investors who don’t meet the rigid requirements and guidelines of conventional lenders, Cogo Capital funds deals without performing many of the rigorous and time-consuming steps required by conventional lenders. When you work with Cogo Capital, you benefit from quick decisions, fast turn-around, and the comfort of knowing that you are working with a lender that works as quickly and creatively as you do!

What if you have Good-to-Great Credit?

Although we don’t punish you for having a mediocre (or even awful) credit score, we do reward you for having great credit! It’s called The Cogo Advantage, and it provides borrowers who have great credit scores with cheaper money!

Cogo Capital Loan Programs

 Single Family Residential
Single Family Residential
Single Family Long Term HoldMulti-Family ResidentialCommercial Real Estate
Property TypesNon-Owner Occupied SFR
(1-4 Units)
Non-Owner Occupied SFR
(1-4 Units)
Non-Owner Occupied SFR
(1-4 Units)
Multifamily Apartments
(5+ Units)
Loan PurposeInvestment Purpose: Acquisition,
Investment Purpose:
Commercial or business purpose (Must meet occupancy qualifications)Investment Purpose:
Investment Purpose:
Loan Amount$30,000 to $400,000$400,000 to $3,500,000$75,000 to $1,500,000$250,000 to $3,500,000$500,000 to $3,000,000
Term6-24 Months12 Months30 Years6-24 Months6-24 Months
Interest Rate8%-15%8%-12%Rates as low as 6.25%-9.5%8%-11%8%-11%
Origination Points0 to 52 to 42 to 42 to 42 to 4
Loan Parameters (Non-Elite Member)90% Purchase;
100% Rehab not to exceed 65% LTV;
Cash-out Refi 50%
85% Purchase;
100% Rehab not to exceed 75% LTV;
Cash-out Refi 65% LTV
PDTI Max 90%;
As-is LTV 80%;
LTTP 85%
75% Purchase;
100% Rehab not to
exceed as-is LTV
75%; LTARV 70%;
Cash-out Refi 65%
As-is 70% LTV;
Loan Parameters (Elite Member)100% Purchase;
100% Rehab;
100% Closing costs not
to exceed 70% LTV
Up to 100 BPS discountUp to 100 BPS discountUp to 100 BPS discountUp to 100 BPS discount
Appraiser LevelGeneral AppraiserGeneral AppraiserGeneral Appraiser<$1,500,000 General Appraiser;
>$1,500,000 Level Appraiser
MAI Level Appraiser
Minimum Credit ScoreN/A 575650600600
Excluded StatesMN, SD, NV, UT, VTAK, ND, NV, OR, SD, UT, VT
(Market must have population > 100K)
Prepayment PenaltyN/AMin payment 3 monthsFirst Year 3%
Second Year 2%
Third Year 1%
Thereafter 0%
Refundable Deposit May ApplyN/AN/AN/AMay require refundable depositMay require refundable deposit

The mortgage rates listed above are some of our lowest available for these popular loan options. These aren’t necessarily the rates you’ll get when you apply. Your rate depends on many factors such as your credit, your loan amount, and your down payment.

*Elite Members have taken part in Lee’s Inner Circle, Master Lien Abatement, Master Rehabber, One-on-One Real Estate Mentorship, or a Regional Real Estate Clinic.
Certain fees, conditions, and limitations apply. Contact us for more details.

California Properties: Please call for details.

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!​


By submitting this web form, I expressly authorize Cogo Capital 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.

Contact us at (800) 473-6051 if you prefer not to use this form.


Sign up to receive notifications for our free, monthly, success-building, all-content CEO Fireside webinars.


Cogo Capital • 701 E. Front Ave 2nd Flr., Coeur d’Alene, ID 83814 (800) 473-6051[email protected] © 2019 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. Loans are available in California through Cogo Capital Orange County, Inc. – California DRE License #: 01928542; NMLS #: 1051306. Loans are available in Arizona through Cogo Capital, Arizona Mortgage Broker License # 0950084

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