About
About

10+
Years

About

We Are A Trusted Private Hard Money Lender With 10+ Years Of Experience

Our team recognizes the impact that you have on your community as a borrower, and we’re honored to play a role in the process. We’re committed to helping you succeed with each investment property that you undertake.

  • 10+ Years Experience

    Our experience in real estate investments gives you the confidence you need

  • Growing Success

    Our lending programs allow you to scale your real estate portfolio without the worry of funding

  • Flexible Programs

    Whether it’s for wholesale, rehab, or buy and hold, we deliver fast and easy access to Private Hard Money

  • Hassle Free

    we do most of the work for you while you build your real estate portfolio and cash-flow deals

Explore About Us
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Why Us

See The Benefits of Choosing Us

We’re an equity-based lender which means we care more about the property’s merits, and don’t focus on poor credit, or some of the other factors conventional lenders use to rate the risk.

Work
  • Great Efficiency

    We work to get money in your hands as fast as possible becuause we know that when you win, we win.

  • Flexiblity

    You get the flexibility of investor friendly programs that banks and traditional lenders are unable to do.

  • Competitor Matching

    We are willing to beat any competitor's pricing on any loan we'll do. If you find it cheaper, bring it to us, and we'll beat it.

  • Volume

    Leverage other people's money to fund more deals faster.

Our Services

The Services That We Provide

We offer a full service Private Hard Money platform that will help you through your entire deal from application to closing. You don’t have to make any awkward phone calls to strangers for funds or worry about drafting documents, the HUD 1 statement, or pulling title.

Fix & Flip Funding

Interest Only Loans for the Purchase and Rehab of 1-4 Unit Properties.

Service Detials

Rental Funding

Long-term 30 year with 5 year balloon loans for rentals.

Service Details

Cash-Out Refinance

Cash-out refinance loans up to 50% LTV with a max of 70k

Service Details
Testimonials
Testimonials

Client's Say About Us

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Faq

Ask Anything What You Want

  • How does Cogito Lending decided how much to lend?

    Our decision is based on the property, the type of transaction, and your membership in any of our special programs. For most transactions we will lend up to 90% of the purchase price or 65% of the as-is or after-repair appraised value, whichever is less. Ask a loan officer about the special terms available through our membership programs and special purpose loans.

  • I need 100% financing. Can you do that?

    Yes! Ask a loan officer for more details. If you provide more than one property as security (as described above in regard to cross-collateral) we can provide 100% financing. If you don’t have free and clear property, find a partner that does! Sharing half of a nice profit beats not being able to do the deal! Many of our investors also use seller-carryback to do the same thing. We recommend finding deals and purchasing property below appraised value as the best way to secure 100% financing.

  • Will You lend for both the purchase & the repairs?

    Yes, for the right deals. If the numbers work and we think the deal will be profitable, we will loan on the After Repair Value (ARV). We recommend you have solid experience doing or managing such repair work. You will need to supply licensed contractor bids as well as meet certain other requirements. Bring us the deal and let’s discuss it.

  • What are your rates & loan origination fees?

    Our loans are asset-based and our decisions are logic-based. That means we base our decisions about funding and rates on the perceived risk associated with the property. If you have a property under contract, submit it. Our rates are competitive in the private money market but we save our best rates for our best clients. Get started today to become one of those repeat, best clients! Get a property under contract and submit it!

  • How long does it take to close a transaction from start to finish?

    Three to four days after we receive all required documentation, which can often take three to four weeks. Though we can do it faster, a good estimate would be three to four weeks after we receive the basic application package. The key factor is the amount of time it takes you and your team to supply all the supporting documentation. We can do our part in 3-4 days, but first-time borrowers rarely get us the documents quickly enough and complete enough to meet that. Go for 30 days or more whenever you can. Remember: if time to close is a factor, you probably have competition. Competition does not usually translate into a good deal. Forget such a deal and go find a good one! (Admittedly, sometimes other factors dictate closing time. If that’s the case, bring us the deal and let’s discuss it!)