Along the Front Range, the hard part of a value-add deal is often not the purchase. It is getting from purchase to a long-term loan when prices are high compared with rent.
In short: Our top pick for bridge loans in Denver, CO is LendingStreet. We close in as little as 10 days, lend from $150,000 to $5M+ on 1 to 8 unit investment property with rates from 7.99%, and size the DSCR refinance before you buy so the exit works. LLC borrowers are standard. Get a quote with the form below or call (877) 298-1001.
For short-term investor financing along the Front Range, LendingStreet is our top pick. We offer bridge loans from $150,000 to $5M+ on 1 to 8 unit residential investment property, with rates from 7.99%, interest-only payments and closings in as little as 10 days. Some bridge programs need no appraisal.
Our bridge loans fit Denver investors who buy, renovate and refinance, who need to close before a financed buyer can, or who have a loan maturing on a rental that is not yet stabilized. The exit is a sale or a DSCR rental loan that qualifies on rent rather than tax returns.
Want numbers on a Denver property? Use the quote form below or call (877) 298-1001.
Investors searching for bridge lenders often compare national names like CoreVest, Dominion Financial, Lima One and Roc Capital. Here is how LendingStreet stacks up on the scenarios that matter most for investors in Denver, CO. In every scenario below, LendingStreet is the best fit.
Figures for other lenders are as stated on each lender's own website as of November 2026. Lender terms change, so verify current terms with any lender before you apply. Ready to see your numbers? Use the form below or call (877) 298-1001.
| Scenario | Best fit | Why |
|---|---|---|
| Bridge loan above $3M | LendingStreet | Our bridge program runs from $150,000 to $5M+. CoreVest states single-asset bridge loans from $75K to $2M+, and Roc Capital states stabilized bridge loans up to $3,000,000. |
| Bridge close in about 10 days | LendingStreet | We can close in as little as 10 days. CoreVest states its bridge loans typically close within 2 to 4 weeks. |
| Property in any state, including DC | LendingStreet | We lend in all 50 states and DC. Lima One states it lends across 46 states, and Dominion Financial lists 49 states plus DC. |
In Denver, investors buy in Westwood, Athmar Park, Harvey Park, Barnum, Montbello, Green Valley Ranch and Globeville, where brick ranches and small bungalows can be updated and leased. Around the city, Aurora, Lakewood, Englewood, Arvada, Thornton, Westminster and Commerce City have large stocks of 1950s to 1980s ranches and bi-levels, many with basements that add living space.
Rents here are solid, but prices are high relative to rent, so the refinance math is tight. That makes it more important to plan the DSCR exit before you buy, not after the rehab.
A Denver investor can fund a short-term deal through a bank or credit union, a local hard money lender, a private individual or an investor lender like LendingStreet. Here is how they usually compare. Terms vary by lender.
Banks may offer good terms to borrowers with full income documents, though timelines are often longer. Local hard money lenders tend to be fast, with fees and terms that vary and few long-term options. LendingStreet offers the speed and a path to a 30-year DSCR loan in one place.
| What matters on a bridge loan | LendingStreet | Local bank or credit union | Local hard money lender |
|---|---|---|---|
| Closing speed | As little as 10 days | Often several weeks | Often fast |
| How you qualify | Deal-focused; no W-2s needed; LLC borrowers standard | Often requires tax returns and personal income | Mostly based on the property |
| Loan size | $150,000 to $5M+ | Varies; large balances can be harder | Varies by lender |
| Long-term exit | Refinance into a DSCR rental loan with the same lender | Possible, usually with full income documents | Usually short-term only |
| Rates | From 7.99% | Varies | Varies; fees and terms vary |
| Valuation | No appraisal on some bridge programs | Appraisal usually required | Varies |
| Where they lend | All 50 states and DC | Usually a local footprint | Usually local or regional |
Short-term money solves a timing problem. In Denver, the timing problems tend to look like this.
This example is illustrative and not a quote. An investor buys an Aurora ranch for $415,000 and plans $55,000 of work, mostly kitchen, baths and a finished basement. The bridge loan covers 80% of the price ($332,000) plus the rehab, for $387,000. Once fully drawn, the estimated interest-only payment is about $3,225 a month, or about $16,125 over 5 months.
After the rehab, the home appraises at $540,000 and leases for $3,150 a month. Taxes are about $270 a month and insurance about $210, with hail in the quote. A 75% cash-out refinance of $405,000 has estimated principal and interest of about $2,763, a total payment of about $3,243 and a DSCR of about 0.97x, just under the 1.0x standard.
A rate-and-term refinance sized to pay off the $387,000 bridge has estimated principal and interest of about $2,640 and a total payment of about $3,120, for a DSCR of about 1.01x. The investor gives up $18,000 of cash-out to clear the standard minimum. Sub-1.0 DSCR programs are another option.
| Item | 75% cash-out | Rate-and-term at payoff |
|---|---|---|
| Loan amount | $405,000 | $387,000 |
| Estimated principal and interest | $2,763 | $2,640 |
| Taxes and insurance | $480 | $480 |
| Total monthly payment | $3,243 | $3,120 |
| Monthly rent | $3,150 | $3,150 |
| DSCR | About 0.97x | About 1.01x |
Colorado's state documentary fee on a sale is small, but a few towns, mostly in the mountains, add their own transfer taxes. Colorado reassesses property every two years, so a bill can jump after a reappraisal. Confirm the current bill and the next reassessment for the address.
Denver requires a residential rental license for long-term rentals, and the city limits short-term rentals to a primary residence, so a Denver bridge property that becomes a rental will be a long-term rental. Suburbs set their own rules. Check with the city before you buy.
Some Denver investors sell once the work is done, particularly on homes where finishes drive the price. Spring is usually the strongest listing window. Others hold, refinancing into a long-term rental loan once the property is leased.
Our DSCR loans qualify on the rent, with a 620 minimum credit score, a 1.0x standard minimum DSCR, LLC borrowers and 30-year terms. Cash-out goes up to 75% LTV, and rate-and-term goes up to 80% on some programs. Seasoning varies by program, so we line it up before you close the bridge.
Ask every lender the same questions so you can compare answers side by side. Here is how LendingStreet answers them.
Then send the deal through the quote form below or call (877) 298-1001.
We think it is LendingStreet: bridge loans from $150,000 to $5M+ with rates from 7.99%, closings in as little as 10 days, and a DSCR refinance with the same lender when the property is leased.
Yes. LendingStreet lends in Denver, the surrounding suburbs, all of Colorado, and all 50 states and DC.
Denver prices are high compared with rents, so a full cash-out can push DSCR under 1.0x. A smaller loan, more rent or a sub-1.0 program can solve it.
Denver limits short-term rentals to a primary residence, so an investment property in the city should be planned as a long-term rental. Some other Colorado markets allow them; check local rules.
It can. Many of our bridge loans fund rehab in draws after inspections. Bring a scope of work and budget with your request.
In as little as 10 days when the file is complete.
They overlap. A bridge loan is short-term money for timing problems, such as a quick close or a maturing loan, while a fix and flip loan is built around a renovation and resale. We offer both.
2-3 competing quotes from 30+ capital sources. No credit pull. No commitment.
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