Business Page
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
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
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.
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.
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.
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....
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.
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.
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.
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
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.
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.
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.
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....
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.
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.
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.