Hard money lender for flip property - Cogo Capital


A real estate investment loan is meant for individuals who are looking to purchase a property with the sole intent of later selling for a profit. Depending on your preferred investment strategy you might care about different aspects of the loan like interest rate, down payment amount or time to close.

COGO Capital is a private money lender and specializes in funding wholesale, wholetail and fix and flip deals.

This means, if you have a great deal, you can find the money to do the deal and COGO CAPITAL wants to be your funding source!



Real Estate Deal - Cogo Capital

At COGO Capital we work with real estate investors at every stage of their career including those who are just getting started. Since all of our loans are backed by the asset itself you don’t have to worry about getting denied over bad credit. All you have to do is find a good deal and we’ll get you the money you need to make the purchase.

Doing your first deal can be a daunting process especially when it comes to getting a loan which is why our team of highly experienced lenders will be by your side for every step of the process. We want to to help you land your first deal so you come back to us again and again.

Lee Arnold System of Real Estate Training

We believe anyone can become a successful real estate investor including those who are completely new to the business. That’s why we’ve created the Lee Arnold System of Real Estate Investing which is designed to educate and coach you through the entire process of finding a deal, to acquiring the loan, fixing and flipping!

We hold FREE Funding Tours every week which are meant to give those interested in real estate investing a preview of what it takes to become successful. Sign up for our next funding tour today!



In the world of real estate investing there are various types of loans that will get you the capital you need but not all are created equal. When it comes to securing funding for your investment property here are your options:

Types of Real Estate Investment Loans

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  1. Conventional Bank Loan: You’re probably already familiar with this loan option if you’ve ever purchased your own home. These loans are widely available however they require a good credit score, a large down payment, are difficult to qualify for if buying as an LLC and can take anywhere from 1 to 3 months to close.
  2. Commercial Real Estate Loan: The commercial real estate loan is similar to a conventional bank loan except it’s designed for business entities that are purchasing a property to lease or rent out rather than independent home buyers. Typically, lenders issuing a commercial real estate loan want an LTV of around 75% which will require the borrower to make a larger down payment.
  3. Home Equity Loan: If you already own a home and have been diligently paying off your mortgage you can tap into that equity by taking out a home equity loan. This type of loan has lower upfront interest rates and closing costs than the others however it can extend the length of your mortgage and cost you more in the long run.
  4. Peer-to-peer Loan: The peer-to-peer (P2P) loan, also known as “social lending”, is a fairly new concept that cuts out the middle man by connecting borrowers directly with investors. These types of loans require the borrower to spend extra time marketing their deals to investors, pay large down payments (up to 35%), and are not guaranteed to get funded.
  5. Private Money Loan: Private money loans, also known as “hard money” loans, are funded by a group of private investors and are easier to qualify for since they are based on the value of the asset rather than the credit of the borrower. Since there’s less regulations with private money loans they can move much faster than a conventional loan which means you get your cash faster!

As you can see, there are various types of real estate investment loans that can help you fund your deals and depending on your goals as investor you should carefully weigh each of your options. At Cogo Capital we want to be your go to lender for all your fix and flip deals! If you’re interested in learning more about our lending criteria click the link below.