Business Page
Cogo Capital
Lender
3.7 stars
101 Reviews
Markets served
Nationwide
Except the following states:
Minnesota
Nevada
South Dakota
Utah
Vermont
Licenses
Company NMLS
#1760709
Additional info available at the
NMLS consumer access website
Additional Licenses & Information
* 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. – Californ...
About us
The nation's best residential private money lender for non-owner-occupied investment properties. Investment made simple. The Cogo promise - We'll beat any competitor's rate.
Specialties
Hard/Private/Non-QM
Fix & Flip
DSCR (long-term rental)
DSCR (short-term rental)
Ground Up & Land Dev. Loan
Rehab for Buy & Hold
Bridge Loan
Foreign National Loan
Refinance (investment)
Reviews (101)
3.7 stars
101 Reviews
3.7 stars
101 Reviews
0.0 star
0 Reviews
5.0 stars
9 months ago
Reviewed by
Jeffrey Gresham
COGO Capital has been very easy to work with in getting loans for my investment real estate. Kyra and Ernest are very responsive and answer my questions all along the process. Repeat customer.
5.0 stars
9 months ago
Reviewed by
Jorge Garcia
Cogo Capital has been an excellent partner for me. Their team is highly knowledgeable and incredibly helpful. David C. and Austin A. have provided invaluable support, assisting me with creative financing strategies to get my deals across the finish line. If you're looking for a fast closing, be sure to have all your documentation ready and organized. I would definitely choose them again and again!
5.0 stars
9 months ago
Reviewed by
O8
Thank you to Austin for always be responsive and great to work with. It's been a real pleasure to work with you to get deals over the finish line. I've had delayed with every lender I have brokered deals with just because there is so many moving parts and third party companies connected with the deal. However, you always been great at communication, responsive and quick to get things done within your reach. Thanks my man!
1.0 star
10 months ago
Reviewed by
osher liebowitz
Cogo Capital Loan Process Review
I’m incredibly disappointed with my experience at Cogo Capital. The loan process has been unbearably slow, and every day seems to bring a new issue. It’s frustrating to deal with a company that lacks transparency and consistency when handling something as critical as a loan.
Adding to the frustration is the lack of communication. It’s difficult to get updates on the progress of the application, leaving me feeling completely in the dark. This kind of service doesn’t inspire confidence or trust in a company that deals with finances.
I would not recommend using Cogo Capital. Be prepared for delays, miscommunication, and plenty of frustration. I expected a smoother process, but this experience has been nothing but disappointing.
Z. Liebowitz
1.0 star
Edited 10 months ago
Reviewed by
Nathaniel Carter
Horrible Experience – Stay Away!
I had an awful experience with this lender. From the start, they were unprofessional, rude, and completely unhelpful. Communication was a nightmare—they barely returned calls or emails, and when they did, they were dismissive and condescending. They made promises they didn’t keep and wasted my time with unnecessary delays and excuses.
Their attitude made it clear they didn’t care about me as a client, only about squeezing as much money as they could. I wouldn’t recommend this company to anyone. If you value your time, money, and sanity, look elsewhere.
1.0 star
a year ago
Reviewed by
Patrick Nichols
This is the worst lender I've ever dealt with as an attorney. Their staff will say that they can make a closing date happen, and then the person will go on vacation and all hell breaks lose. When you ask why they committed to the closing date that in hindsight they clearly could not ever have met, they say something like, "do you want to fund this deal?" No, I don't, but a.) you lied to me, and b.) I know a hundred other banks that act professionally and follow through on their promises. I'll be sure to tell every client about your bad attitude too.
My client nearly lost a deal because they were over 2 weeks late from the date they agreed to. Lots of duplicative document requests (probably because someone went on vacation)...
Stay away. They also load your closing costs up to make lots of fees on the front end.
5.0 stars
a year ago
Reviewed by
Sharon Witt
I highly recommend this company! Colin, the private lender that is assisting me is absolutely fantastic! He was extremely knowledgeable and went out of his way to make me feel very comfortable. I knew I made the right decision in allowing this company to help me with my investments after speaking with Colin. Check out this company and Colin if you need help with investments. They and he are second to none! You won't be sorry!
5.0 stars
a year ago
Reviewed by
Isaiah Watkins
COGO Capital is sincerely the best. I had the best experience working with Austin, Kim, and Robert! They were tremendously efficient and got all of my deals closed early! They kept me informed throughout the entire process and made it as simple and easy as possible. I recommend them to any investor out there needing funding.
5.0 stars
9 months ago
Reviewed by
Jeffrey Gresham
COGO Capital has been very easy to work with in getting loans for my investment real estate. Kyra and Ernest are very responsive and answer my questions all along the process. Repeat customer.
5.0 stars
9 months ago
Reviewed by
Jorge Garcia
Cogo Capital has been an excellent partner for me. Their team is highly knowledgeable and incredibly helpful. David C. and Austin A. have provided invaluable support, assisting me with creative financing strategies to get my deals across the finish line. If you're looking for a fast closing, be sure to have all your documentation ready and organized. I would definitely choose them again and again!
5.0 stars
9 months ago
Reviewed by
O8
Thank you to Austin for always be responsive and great to work with. It's been a real pleasure to work with you to get deals over the finish line. I've had delayed with every lender I have brokered deals with just because there is so many moving parts and third party companies connected with the deal. However, you always been great at communication, responsive and quick to get things done within your reach. Thanks my man!
1.0 star
10 months ago
Reviewed by
osher liebowitz
Cogo Capital Loan Process Review
I’m incredibly disappointed with my experience at Cogo Capital. The loan process has been unbearably slow, and every day seems to bring a new issue. It’s frustrating to deal with a company that lacks transparency and consistency when handling something as critical as a loan.
Adding to the frustration is the lack of communication. It’s difficult to get updates on the progress of the application, leaving me feeling completely in the dark. This kind of service doesn’t inspire confidence or trust in a company that deals with finances.
I would not recommend using Cogo Capital. Be prepared for delays, miscommunication, and plenty of frustration. I expected a smoother process, but this experience has been nothing but disappointing.
Z. Liebowitz
1.0 star
Edited 10 months ago
Reviewed by
Nathaniel Carter
Horrible Experience – Stay Away!
I had an awful experience with this lender. From the start, they were unprofessional, rude, and completely unhelpful. Communication was a nightmare—they barely returned calls or emails, and when they did, they were dismissive and condescending. They made promises they didn’t keep and wasted my time with unnecessary delays and excuses.
Their attitude made it clear they didn’t care about me as a client, only about squeezing as much money as they could. I wouldn’t recommend this company to anyone. If you value your time, money, and sanity, look elsewhere.
1.0 star
a year ago
Reviewed by
Patrick Nichols
This is the worst lender I've ever dealt with as an attorney. Their staff will say that they can make a closing date happen, and then the person will go on vacation and all hell breaks lose. When you ask why they committed to the closing date that in hindsight they clearly could not ever have met, they say something like, "do you want to fund this deal?" No, I don't, but a.) you lied to me, and b.) I know a hundred other banks that act professionally and follow through on their promises. I'll be sure to tell every client about your bad attitude too.
My client nearly lost a deal because they were over 2 weeks late from the date they agreed to. Lots of duplicative document requests (probably because someone went on vacation)...
Stay away. They also load your closing costs up to make lots of fees on the front end.
5.0 stars
a year ago
Reviewed by
Sharon Witt
I highly recommend this company! Colin, the private lender that is assisting me is absolutely fantastic! He was extremely knowledgeable and went out of his way to make me feel very comfortable. I knew I made the right decision in allowing this company to help me with my investments after speaking with Colin. Check out this company and Colin if you need help with investments. They and he are second to none! You won't be sorry!
5.0 stars
a year ago
Reviewed by
Isaiah Watkins
COGO Capital is sincerely the best. I had the best experience working with Austin, Kim, and Robert! They were tremendously efficient and got all of my deals closed early! They kept me informed throughout the entire process and made it as simple and easy as possible. I recommend them to any investor out there needing funding.
