NO MONEY DOWN LOANS
JUMP START YOUR REAL ESTATE INVESTMENT CAREER
We’ve all heard the saying “it takes money to make money” but in reality nothing could be further from the truth! Countless investors have built fortunes for themselves with nothing but an eye for good deals and the right people in their contacts.
Using OPM (Other People’s Money) to fund your fix and flip deals isn’t a complicated process, find an undervalued property and pitch the deal to someone who has capital they want to deploy in the market. It’s a win-win situation — you get the cash you need to make the deal and the lender generates returns on their cash that would have otherwise been collecting dust.
You too can jump start your real estate investing career with no money down loans and COGO Capital wants to be your preferred funding partner! COGO Capital is a private money lender and specializes in funding wholesale, wholetail and fix and flip deals.
HOW DO I QUALIFY FOR A NO MONEY DOWN LOAN?

We’ve been in the real estate lending business for over a decade and we know what kind of deals make money. In order to qualify for a loan with no money down, your deal will have to fit our strict lending criteria…
COGO Capital Lending Criteria
- Property Type: Non-Owner Occupied Residential (1-4 units)
- Sale Price: Ultimate sale price does not exceed FHA maximum
- Size of House: 2,800 sq ft maximum
- Property Features: 5 Bedroom / 3 Bathroom maximum
- Size of Property: 1/2 Acre Maximum
As long as your deal is within the lending criteria above you are well on your way to securing funding for your deal with no money out of pocket! For most transactions we will lend up to 90% of the purchase price or 65% of the as-is or after-repair appraised value, whichever is less.
Get better rates on your deals
We offer better rates to clients who have gone through the Lee Arnold System of Real Estate Master training. If you’re interested in taking your real estate investment business to the next level, check out the entire line up of training at leearnoldsystem.com!
NO MONEY DOWN LOAN EXAMPLE
You may be thinking, “I like what I’m hearing but what does a no money down loan really look like?” Well you’re in luck because below is a breakdown of a deal that will qualify for a loan with no down payment…

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Let’s go through an example deal so you can see how the numbers work out. Imagine you find a run down property that needs some work in a neighborhood that has an average home value of $200k. You get the property under contract for $99,900 and after inspections you estimate rehab to cost $20,000. You conservatively tack on an extra $10,000 to cover closing costs and you’re left with the following breakdown:
- PURCHASE PRICE: $99,900
- REHAB COST: $20,000
- CLOSING COSTS: $10,000
- TOTAL COST: $129,900
Next you get an appraisal and find out that, after repairs, the house will be worth $200,000, just what you were hoping for. Cogo Capital will cover 65% of a property’s after repair value (ARV) so you’re left with the following:
- ARV: $200,000
- LOAN @ 65% ARV: $130,000
- OUT OF POCKET COST: $0
As you can see in the above scenario, if you find an undervalued property that has potential and satisfies our lending criteria there’s an opportunity to PROFIT BIG without needing to bring any money to the table!!! It can be challenging to find a deal that’s able to be snagged within 65% of the ARV but it’s not impossible. In fact, our sister company The Lee Arnold System of Real Estate Investing is dedicated to training people of all experience levels to find these deals.
We love flippers who have an eye for spotting a good deal so if that’s you we want to talk! Contact a loan officer today to discuss how you can get the funding you need!