Colorado flips start at a high basis, so every month of interest is a bigger number. The lender you pick needs to fund draws quickly and give you room if a permit takes longer than planned.
In short: There is no one best fix and flip lender in Colorado. The right lender for your project offers the lowest total cost on that deal, enough leverage on purchase and rehab, quick draws, experience rules you meet, workable extension terms and a closing date that fits. LendingStreet finances investment property in Colorado, with rates from 9.99% for qualified borrowers, up to 90% of the purchase price and up to 100% of the rehab budget paid in draws. On higher-priced Front Range deals, compare offers on total dollars over a realistic timeline, including permit delays.
CoreVest, Kiavi, RCN Capital and Lima One also provide short-term investor financing in Colorado, along with LendingStreet and local private lenders. Each sets its own leverage, experience tiers, draw process and extension rules.
A Denver bungalow with a full kitchen and bath remodel, a Colorado Springs cosmetic flip and a Pueblo value-add can each fit a different program. Compare offers on the property you are actually buying.
On a larger loan, small differences in rate, costs or timing turn into thousands of dollars. Use one table for every offer.
| Factor | What to ask | Colorado angle |
|---|---|---|
| Total cost | Rate plus all lender and closing costs, in dollars | Higher loan amounts magnify every cost |
| Leverage | Share of purchase and rehab financed, and any ARV cap | Less leverage means a much bigger check at closing |
| Draw speed | Days from request to funds; site visit or photos | Contractors on the Front Range are often booked out |
| Experience rules | How past flips change rate and leverage | Newer investors often see lower leverage |
| Extension terms | Cost and conditions to add time | Permit review in Denver can take time |
| Closing speed | Realistic days to fund | Matters in competitive neighborhoods |
Our fix and flip loans run from $150,000 to $5M+, which covers most Front Range price ranges. Terms typically run 12 to 18 months, rates start at 9.99% for qualified borrowers, and closings can happen in as little as 10 days with a complete file.
We finance up to 90% of purchase and up to 100% of the approved rehab budget. Rehab funds are released in draws after each phase is completed and inspected. Experience helps pricing and leverage, and first-time flippers can qualify on some programs, often at lower leverage. Our financing team reviews the deal and comes back with 2 to 3 options.
The Denver metro is made up of many separate cities, including Denver, Aurora, Lakewood, Arvada and Englewood, each with its own housing stock and rules. Older Denver neighborhoods have bungalows and brick homes that often need updated systems. Colorado Springs, with Fort Carson, Peterson Space Force Base and the Air Force Academy nearby, has steady buyer demand tied to the military.
Fort Collins is home to Colorado State University and draws buyers who value its location along the northern Front Range. Pueblo has lower entry prices than the metros to its north, which can help fit a rehab under budget. Any price you see for these markets is illustrative only, so base the ARV on recent comparable sales.
Permit review in Denver can take time, especially for structural, layout or addition work, and each surrounding city runs its own building department with its own timelines. Fort Collins, Colorado Springs and Pueblo also set their own processes. Confirm current timing with the building department before you set your schedule, and ask each lender how extensions work.
Radon is common in Colorado, so many buyers test for it and may ask for mitigation. Hail is frequent along the Front Range, which can affect roofs and insurance. Winter weather can slow exterior work. Older homes may also need a sewer line inspection. Fold these into the scope before you close.
This example is illustrative and not a quote. An investor buys a Denver-area home for $525,000, plans $110,000 of rehab and expects an ARV of $780,000. The loan covers 85% of the purchase ($446,250) plus 100% of the rehab ($110,000), for $556,250, about 71% of ARV. The investor brings $78,750 down.
At a sample rate of 10.5%, with interest on the full balance, interest is about $4,867 a month. The plan was six months, but permits push the project to nine, for $43,804.69 of interest. The home sells for $780,000 and the investor nets about $29,700. Had it finished in six months, profit would have been about $47,600, so the three extra months cost about $17,900 in interest and holding costs.
| Item | Amount |
|---|---|
| Sale price | $780,000 |
| Purchase price | -$525,000 |
| Rehab | -$110,000 |
| Sample closing costs | -$14,800 |
| Interest, 9 months | -$43,804.69 |
| Taxes, insurance, utilities ($1,100 x 9) | -$9,900 |
| Selling costs (6%) | -$46,800 |
| Estimated profit | $29,695.31 |
| Cash invested (down payment, closing costs, interest, holding) | $147,254.69 |
Send the address, contract price, a line-item scope of work, any permit plans, comparable sales and bank statements showing the down payment, closing costs and reserves. Add LLC documents and a list of past projects.
On a high-basis deal, a few days of review before you commit can save real money. We can show what leverage the property supports and how the timeline affects your cost.
Yes. LendingStreet finances investment property in Colorado, including the Denver metro, Colorado Springs, Fort Collins and Pueblo. Loans are business-purpose on non-owner-occupied property, from $150,000 to $5M+.
It depends on the project. CoreVest, Kiavi, RCN Capital, Lima One and LendingStreet all provide investor financing in the state. Compare total cost, leverage, draw speed and extension terms on the same property.
With up to 90% of purchase financed, you bring at least 10% of the price plus closing costs, reserves and cash to front the first phase of work. At Denver-area prices, that can be a large number, and first-time flippers often see lower leverage.
Every extra month adds interest and holding costs. Build permit time into your plan and ask how extensions work. They are often available if the loan is current, usually for a fee, and terms vary by program.
Not always, but radon is common in the state and many buyers test for it. Budgeting for a test and possible mitigation helps avoid surprises at sale.
Yes. If you decide to hold, a DSCR loan can pay off the short-term loan once the property is renovated and rented.
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