Hard Money Loans in Colorado

Looking for fast, flexible financing for your real estate projects in Colorado state? Our hard money loans are designed for investors seeking short-term funding for fix-and-flip properties, ground-up construction, or renovation projects.

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Why Choose Us for Hard Money Loans in Colorado

We provide fast, reliable, and flexible hard money loan solutions tailored for real estate investors in Colorado. Whether you’re funding a fix-and-flip, renovation, or new construction project, our team ensures quick approvals, competitive rates, and personalized terms.

Competitive Terms

We offer competitive terms on investment property loans in Colorado. Fix-and-flip loan rates typically range from 10.5% to 11.25% with origination fees between 1.5% and 2.99%. DSCR loans are available at rates from 6.5% to 7.99% with a 1.0% origination fee.

Simple Online Application

Real estate investors can apply online, receive pre-approval, or book a quick call in just a couple of minutes. Getting started is fast and hassle-free.

Quick Turnaround

Our team is ready to assist you. Submit a Quick Application or Pre-Approval, and we’ll respond within 1 business hour. Funding for your project can be completed in as little as 7 days.

Reliable Financing

Integrity and honesty are at the core of our work. When we approve a loan, you can count on closing on time.

Colorado Hard Money Loan Products

Colorado Fix-and-Flip Loans

Purchase & Rehab Financing

Loan amounts ranging from $50,000 to $3,000,000
Competitive interest rates between 10.5% – 11.75%
Origination fees starting at 1.5%
Up to 90% purchase and 100% rehab financing available.

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Colorado DSCR Loans

30-year DSCR financing options for income-producing properties

Loan Amount: Up to $2,000,000
Interest Rate: 6.25% – 7.99%
Origination Fee: Starting at 0%
Loan-to-Value: Up to 80%
Eligible Properties: Short-term and long-term rentals

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Ground-Up Construction Loans

Financing for new construction projects and building completions.

Loan Amount: Up to $3,000,000
Interest Rate: 10.99% – 12.25%
Origination Fee: Starting at 2.0%
Loan-to-Cost: Up to 75% of purchase and 100% of construction costs
Maximum LTC: Up to 90%

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State
Colorado

Loan Type
Ground Up Construction

Loan Amount
$550,500

Loan Amount (if applicable)
80% of Purchase + 100% Of Rehab

Rate
10.00%

Points
2.5%

Colorado Deal Summary

A ground-up construction loan of $587,500 was arranged for an experienced developer to build a modern single-family residence in Denver. The financing covered 65% of the land value, featured an 11.99% interest rate, and included 2.5% origination points on a 12-month loan term.

Key Highlights

Flexible Terms: Financed 65% of the land cost and fully funded the construction budget.
Efficient Process: Completed closing rapidly to match the borrower’s construction timeline.
Strong ARV Potential: Projected an $850K ARV, providing a clear path for a profitable flip and strong ROI.

Frequently Asked Questions

How can I qualify for a hard money loan in Colorado?

To be eligible for a hard money loan in Colorado, you typically need to meet the following requirements:

A minimum credit score of 640 or higher

A profitable investment opportunity with at least a 10% return on investment (ROI)

A registered LLC or corporation in Texas

Which property types are eligible for hard money financing in Colorado?

Hard money financing in Colorado can be used for several types of real estate investments, such as:

Single-family and small residential properties (1–4 units)

Medium-sized multifamily properties (5–25 units)

Certain commercial real estate projects

What interest rates and loan terms are available for hard money loans in Colorado?

Interest rates for hard money loans in Colorado typically vary based on the borrower’s experience and credit profile. Rates generally range between 10.5% and 11.5%. For fix-and-flip projects, the average rate is around 10.75%, offered as an interest-only loan with no prepayment penalty.

How is the loan-to-value (LTV) calculated for hard money loans in Colorado?

The loan amount is determined using several factors related to the project and investor profile. In general, first-time investors may qualify for financing of up to 80% of the purchase price plus 100% of the renovation costs. More experienced investors can access higher leverage, with financing of up to 90% of the purchase price along with 100% of the rehab budget.

Can a hard money loan be used for rental properties in Colorado?

Yes, a hard money loan can be used to acquire and renovate a rental property in Colorado. Once the property is stabilized, it can be refinanced into a DSCR loan. If the property is already rent-ready at the time of purchase, hard money financing may not be necessary, and you can move directly into DSCR financing.

Best Cities To Invest In Real Estate
In Colorado

Denver

Denver offers a dynamic fix-and-flip market, driven by rapid population growth, a strong economy, and high demand for modernized homes. The city presents numerous opportunities for investors with its mix of older properties needing renovation and rising property values in sought-after neighborhoods. Coupled with a thriving tech sector, appealing outdoor lifestyle, and competitive real estate market, Denver consistently attracts buyers, making it a prime location for profitable fix-and-flip projects.

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Colorado Springs

Colorado Springs, CO, presents a strong fix-and-flip market fueled by its expanding population, affordable housing options, and close proximity to Denver. The city sees steady demand for renovated homes from military personnel, young professionals, and families. With older properties ready for upgrades and rising property values, Colorado Springs offers promising opportunities for investors pursuing profitable fix-and-flip projects.