About
Loan Programs:
You might ask, “What is a bridge loan?”
A bridge loan is a short-term financing option designed to “bridge the gap” between the purchase of a new property and the sale of an existing property. These bridge loans are commonly used by real estate investors who need quick access to capital to secure a new property or fund renovations while awaiting the sale of another property.
understand that speed is often critical in real estate transactions, so we strive to offer fast approval and funding processes for bridge loans. This allows borrowers to move quickly to secure properties or take advantage of time-sensitive opportunities.
Our bridge loans provide a convenient and accessible financing option for real estate investors who need short-term funding to bridge the gap between property transactions. By offering quick approval, flexible terms, and personalized service, Cogo Capital aims to support borrowers in achieving their real estate investment goals.
BRIDGE/JUMBO LOAN GUIDELINES
MAX ALLOWED (with excess first loss):
Max 90% (LTV “As Is”)
90% (LTC)
75% (LTV “As Repaired”) With Approval
Max. 12 Month Loans
Minimum FICO 620
Up to 90% LTV on “as is” and up to 75% ARV
Minimum Loan Amount $50,000 – Max. $2 M
Make Us your preferred fix and flip lender TODAY!
Our fix-and-flip financing options are perfect for seasoned investors and beginners alike.
At Cogo Capital, our fix-and-flip loans are specifically designed to provide financing for real estate investors who are purchasing properties with the intention of renovating and then selling them for a profit. These loans offer short-term financing with flexible terms, allowing investors to quickly acquire and renovate properties without the lengthy approval processes associated with traditional mortgages.
In addition to financing the purchase of the property, our fix and flip loans cover 100% of the renovation costs, enabling investors to complete their projects wrs2 Deals/2 Yrs1st Timers Okay Credit Score 720+660–719 No Minimum Cashout 65% – no max (6 mo seasoning)60% – 150K max (6 mo seasoning)50% – 75K max (6 mo seasoning)App Fee$197-FHA Cap Loan AmountLoan .
AmountARVBaseline InspectionNoNoYesTax ReturnsNoNoYesWell/SepticNoNoYesImpound Next Yr TaxesNoNithout relying on additional funding sources.
Our updated family of loan products better serves market expectations for investors new to the lending platform.
SHORT TERM, FIX-AND-FLIP LOAN GUIDELINES, Application and Fee Agreement on request- By: Email: gm.developerfunding@outlook.com
LAND ACQUISITION AND NEW CONSTRUCTION PROGRAM
offers construction loans for non-owner-occupied, single-family properties, condos, and townhomes.
These loans are specifically tailored to finance the construction or renovation of investment properties, providing investors with the necessary capital to complete their projects.
Our construction loan rates start at 11.29%. Our land and construction loans are typically used to finance both the purchase of the land and the construction of a new property. Reach out to one of our loan analysts to get the most up-to-date information on our loan programs, rates, and requirements. They will guide you through the application process and support you every step of the way.
CONSTRUCTION LOAN GUIDELINES
LOAN CRITERIA
Collateral: Non-Owner Occupied Single Family Properties, Condos, & Townhomes
Rates: Starting at 11.29%
Term: 12 Months to 24 Months
Loan Amount: $100K* – $3M (*Based on Loan Amount)
Minimum Property Value: $150K** (** As-Completed Value)
Credit Score: 650 Minimum
Max. Allowed Loan Amount: As is – up to 75%
ARV: up to 85%
Leverage Based on Experience: Documented experience in the past three years
2025
These loans are distinct from residential mortgages and are tailored to the unique needs and requirements of commercial real estate investments.
Commercial real estate loans may be used to finance various types of commercial properties, including office buildings, retail spaces, industrial properties, multifamily buildings, and more.
Commercial loan rates can vary depending on factors such as the property’s value and condition, the loan-to-value ratio, and market conditions. We offers commercial loans ranging from small to large amounts, depending on the specific needs of the borrower and the scope of the project.
Working closely with our lending professionals will help borrowers navigate the application process and secure financing that aligns with their investment objectives.
COMMERCIAL SHORT TERM LOAN GUIDELINES
KEY FEATURES:
- Loan amounts up to 10MM
- Up to 80% LTV
- Nationwide financing
- First-time investors in commercial are welcome
- Min FICO 660
- Great for qualifying self-employed investors and small business owners
PROPERTY TYPES:
- Apartment Complexes
- Multi-family
- Mixed use (Residential in nature)
- and more
Real Estate Investors — Need Capital or a Buyer? We’re Here to Help!
Are you working on a deal and need funding to close quickly?
Have a property you’re looking to sell or pass to another investor?
Seeking to grow your current portfolio?
We assist real estate investors like you in securing the funds you need — quickly.
Whether it’s fix-and-flips, rentals, wholesale deals, or commercial projects — we can fund it or connect you with serious buyers.
Let’s chat!
Tell us what kind of deals you’re working on, and we’ll show you how we can support you.
No fluff. Just genuine solutions to close real deals.
Call us today and let’s make it happen.
Email me for the Application and Agreement.
Sincerely,
Gordon Meadows
Private - Hard Money
(619)483.1223
Seeking Accredited Investors and Equity Partner-Minimum Investment $100,000
Passive Investment for Offering Memorandum. ARR 20%
Email me gm.developerfunding@outlook.com
Get your Loan Application and Agreement Here:
Let us Fund or Purchase Your Properties
Cash 4 Investors, Landlords, Wholesalers, and Developers.
Hours
Monday - Friday: 9 am - 3 pm
Saturday: By appointment
Sunday: Closed
