Denver flips are bigger-ticket projects than in most of the Midwest, and buyers here notice finishes. That puts more money at risk on every deal and makes leverage and draw speed matter more.
In short: Our top pick for fix and flip loans in Denver, CO is LendingStreet, for leverage up to 90% of cost and up to 100% of rehab on some programs, loans from $150,000 to $5M+ to fit Denver price levels, and closings in as little as 10 days. We lend on 1 to 8 unit residential investment property from $150,000 to $5M+, LLC borrowers are standard, and you can get a quote with the form below or call (877) 298-1001.
We built our fix and flip program for investors who need speed and leverage without giving up a long-term option. Loans run from $150,000 to $5M+ on 1 to 8 unit investment homes, up to 90% of cost with up to 100% of rehab on some programs, interest-only, with closings in as little as 10 days.
Our loans fit first-time and experienced flippers in Denver alike, from a single-family rehab to a small multi-unit building. If the exit turns into a hold, our DSCR rental loans qualify on the property's rent, with no W-2s or tax returns.
Have a property under contract? Fill out the quote form below or call (877) 298-1001 and we will review it quickly.
Well-known fix and flip lenders include Dominion Financial, LendingOne, Lima One and RCN Capital. Compared scenario by scenario for investors in Denver, CO, LendingStreet comes out as the stronger choice, and one application covers it.
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 |
|---|---|---|
| Fix and flip above $3M | LendingStreet | Our fix and flip program runs from $150,000 to $5M+. LendingOne states fix and flip loans up to $3,000,000, and RCN Capital states up to $2M. |
| Flip of a 5-8 unit building | LendingStreet | We finance 1-8 unit investor properties. RCN Capital states its fix and flip loans cover 1-4 family homes, condos and townhomes. |
| 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. |
Inside Denver, flippers buy in Westwood, Athmar Park, Harvey Park, Barnum, Villa Park, Montbello, Green Valley Ranch, Globeville and Elyria-Swansea, where post-war brick ranches and small bungalows can be opened up and updated. Older neighborhoods with Denver Squares and Victorians support higher-end projects with longer timelines.
In the suburbs, Aurora, Lakewood, Englewood, Arvada, Thornton, Westminster and Commerce City offer large stocks of 1950s to 1980s ranches and bi-levels. Each city has its own building department and rules.
There are four common ways to fund a Denver flip: a bank or credit union, a local hard money lender, a private individual and an investor lender like LendingStreet. Terms vary from lender to lender, but the general patterns look like this.
Local hard money lenders are often quick, but fees and terms vary and most only offer short-term loans. Private individuals can be flexible, and banks can be competitive for borrowers with full income documentation. LendingStreet gives you speed and a path to a long-term DSCR loan with one lender.
| What matters on a flip | LendingStreet | Typical bank | Typical hard money lender |
|---|---|---|---|
| Closing speed | As little as 10 days | Often several weeks | Often fast |
| Leverage | Up to 90% of cost, up to 100% of rehab on some programs | Often lower; more cash down is common | Varies by lender |
| How you qualify | Deal-focused; no W-2s needed; LLC borrowers standard | Often requires tax returns and personal income | Mostly based on the property |
| Rehab funding | Draws after inspections | Varies; some do not fund rehab | Varies; fees and terms vary |
| Loan size | $150,000 to $5M+ | Varies | Varies |
| Long-term option | Refinance into a DSCR rental loan with the same lender | Possible, usually with full income documents | Usually short-term only |
| Where they lend | All 50 states and DC | Usually a local footprint | Usually local or regional |
Many older Denver homes have clay sewer lines that crack or fill with roots, so scope the line before you buy. Much of the Front Range has elevated radon levels, and many buyers ask for a radon test or mitigation system. Hail is common along the Front Range, so roof age matters, and some areas have expansive soils that affect foundations and basements.
Permits in Denver run through Community Planning and Development. Landmark districts review exterior changes. Denver requires a residential rental license for long-term rentals and limits short-term rentals to a primary residence, so a flip that turns into a rental will be a long-term rental.
This example is illustrative and not a quote. An investor buys a Harvey Park ranch for $470,000 with a $110,000 rehab budget, for a total project cost of $580,000. Buying closing costs are about $6,500, and holding costs for taxes, insurance and utilities are about $1,200 a month.
The loan covers 80% of the purchase price plus 100% of the rehab: $486,000, or about 83.8% of total cost. Once fully drawn, the estimated interest-only payment is about $4,354 a month. To stay conservative, the example assumes the full balance is outstanding for all 7 months, for about $30,476 of interest and $8,400 of holding costs.
The home sells for $725,000. Selling costs, budgeted at 7% of the price for commissions, closing costs and any transfer tax, are about $50,750. That leaves an estimated profit of about $48,874 before income taxes, on about $139,376 of the investor's own cash.
| Item | Amount |
|---|---|
| Purchase price | $470,000 |
| Rehab budget | $110,000 |
| Total project cost | $580,000 |
| Loan (80% of price + 100% of rehab) | $486,000 |
| Loan-to-cost | About 83.8% |
| Estimated interest-only payment | $4,354 a month |
| Interest over 7 months | $30,476 |
| Holding costs over 7 months | $8,400 |
| Buying closing costs | $6,500 |
| Sale price (after-repair value) | $725,000 |
| Selling costs (7%) | $50,750 |
| Estimated profit before income taxes | $48,874 |
| Investor cash in the deal | $139,376 |
Colorado's state documentary fee on a sale is small, but a few Colorado towns, mostly in the mountains, add their own transfer taxes, so confirm locally. Title insurance and recording fees are added at both closings. Colorado reassesses property every two years, and property tax bills vary by city and district, so pull the current bill for the address.
Insurance premiums on the Front Range have risen with hail and wildfire claims. Price a builder's risk or vacant-property policy into the holding costs before you offer.
Denver's resale market is seasonal, and spring is usually the strongest listing window. Buyers at Denver prices expect permitted work and clean inspection reports, so keep permits and invoices organized for the listing.
If the resale market softens or the rent is strong, a finished home does not have to be sold. Our DSCR rental loans qualify on rent rather than tax returns, require a 620 minimum credit score and a 1.0x standard minimum DSCR, and allow LLC borrowers. Rate-and-term refinances go up to 80% LTV on some programs, and cash-out goes up to 75%. Seasoning varies by program.
Before you sign a term sheet, put these questions to each lender you are considering. Our answers are next to each one.
Ready to compare? Send your Denver deal through the quote form below, or call (877) 298-1001.
We think it is LendingStreet: up to 90% of cost with up to 100% of rehab on some programs, closings in as little as 10 days, and a DSCR rental refinance option if you decide to hold.
Yes. LendingStreet finances flips in Denver and throughout Colorado, and in all 50 states and DC.
Usually not. Denver limits short-term rentals to a primary residence. If you hold, plan on a long-term rental with a rental license, which can be refinanced into a DSCR loan.
Often. Our fix and flip loans run from $150,000 to $5M+, which fits Denver price levels and larger renovations.
In as little as 10 days. A complete file with the contract, scope of work and budget helps us move quickly.
Yes. We review the purchase price, the rehab budget and the after-repair value, and larger projects usually need a full valuation.
No. We work with first-time and experienced investors. Experience, the scope of work and the contractor all factor into the terms.
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