Skip to content
×
PRO
Pro Members Get Full Access!
Get off the sidelines and take action in real estate investing with BiggerPockets Pro. Our comprehensive suite of tools and resources minimize mistakes, support informed decisions, and propel you to success.
Advanced networking features
Market and Deal Finder tools
Property analysis calculators
Landlord Command Center
$0
TODAY
$69.00/month when billed monthly.
$32.50/month when billed annually.
7 day free trial. Cancel anytime
Already a Pro Member? Sign in here
Pick markets, find deals, analyze and manage properties. Try BiggerPockets PRO.
x

Business Page


business profile image

Cogo Capital

Lender
3.6 stars
102 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 (102)


3.6 stars
102 Reviews
3.6 stars
102 Reviews
0.0 star
0 Reviews

reviewer image
1.0 star
|
3 weeks 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
reviewer image
1.0 star
|
a week 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.
reviewer image
1.0 star
|
2 weeks ago
Reviewed by Ruchy Miller
I worked with a loan officer named Austin He treated me like a dog and like he was doing me a whole favor that I was taking a loan And by the end, the whole deal fell through only because of him. Never ever use this company.
reviewer image
1.0 star
|
2 weeks ago
Reviewed by John Tayler
Worst lender ever!! It is impossible to get a loan from them. Don't lose money like me and my friends. You will never get a loan from them. They will promise you big numbers, but in reality, the way they make money is by scamming people. They have never closed a loan yet. All 5 stars you see are fake and paid reviews.
reviewer image
1.0 star
|
3 weeks ago
Reviewed by Burech Gottinger
SCAM!!! Watch out, stay away from this lender. This lender is a scam, they promise you big numbers based on the ARV, But they only use 2 unprofessional garbage appraisal companies and it never gets close to the right value. If you really don't have what to do with your money you could use them....
reviewer image
5.0 stars
|
6 months ago
Reviewed by Evelyn Hirschman
The Cogo Capital & Lee Arnold System education and training programs are second to none. Professional delivery, comprehensive content and participation is extremely convenient. With access to the back office portal, I can revisit the training videos, tools, workbooks and materials as often as I need. I'm always excited to think about which one I'll take next.
reviewer image
1.0 star
|
7 months 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.
reviewer image
5.0 stars
|
9 months ago
Reviewed by Heather Hooker
Best experience ever!!! I've done 2 personal deals with them and they are here for their customers 100%. If the deal is good they will make it happen. I'm a Lee's inner circle member and I can say they go above and beyond. One deal we needed extra help getting it done and top executives were there for us and helped us get it done! Love these people and feel like I'm doing business with friends or family not just a body on the other line.
reviewer image
1.0 star
|
3 weeks 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
reviewer image
1.0 star
|
a week 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.
reviewer image
1.0 star
|
2 weeks ago
Reviewed by Ruchy Miller
I worked with a loan officer named Austin He treated me like a dog and like he was doing me a whole favor that I was taking a loan And by the end, the whole deal fell through only because of him. Never ever use this company.
reviewer image
1.0 star
|
2 weeks ago
Reviewed by John Tayler
Worst lender ever!! It is impossible to get a loan from them. Don't lose money like me and my friends. You will never get a loan from them. They will promise you big numbers, but in reality, the way they make money is by scamming people. They have never closed a loan yet. All 5 stars you see are fake and paid reviews.
reviewer image
1.0 star
|
3 weeks ago
Reviewed by Burech Gottinger
SCAM!!! Watch out, stay away from this lender. This lender is a scam, they promise you big numbers based on the ARV, But they only use 2 unprofessional garbage appraisal companies and it never gets close to the right value. If you really don't have what to do with your money you could use them....
reviewer image
5.0 stars
|
6 months ago
Reviewed by Evelyn Hirschman
The Cogo Capital & Lee Arnold System education and training programs are second to none. Professional delivery, comprehensive content and participation is extremely convenient. With access to the back office portal, I can revisit the training videos, tools, workbooks and materials as often as I need. I'm always excited to think about which one I'll take next.
reviewer image
1.0 star
|
7 months 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.
reviewer image
5.0 stars
|
9 months ago
Reviewed by Heather Hooker
Best experience ever!!! I've done 2 personal deals with them and they are here for their customers 100%. If the deal is good they will make it happen. I'm a Lee's inner circle member and I can say they go above and beyond. One deal we needed extra help getting it done and top executives were there for us and helped us get it done! Love these people and feel like I'm doing business with friends or family not just a body on the other line.

Our Team


Mj Bouvier
Lender