Denver rehabs live and die on two numbers: how fast you can close on a 1950s brick ranch before someone else does, and whether the after-repair value still supports the budget once the foundation, sewer line and roof come back from inspection.
In short: LendingStreet is our top pick for Denver hard money. We fund 1-8 unit investor rehabs from $150,000 to $5M+, with up to 90% of cost and up to 100% of rehab on some programs, and we can close in as little as 10 days. When the project is done, you can sell or move into one of our long-term DSCR rental loans, which qualify on rent instead of tax returns.
We are an investor lender, so every loan is a business-purpose loan on non-owner-occupied property. Our fix and flip and bridge loans are short-term and interest-only, with rates from 7.99%, and rehab money is released in draws as the work is completed.
What sets us apart from a typical short-term shop is the second loan. Metro Denver investors often decide to hold a finished house when the resale market softens, and with LendingStreet that decision does not require a new lender relationship. Get a quote with the form below, or call (877) 298-1001 to talk through a Denver deal.
If you are weighing CoreVest, Dominion Financial, LendingOne, Lima One and RCN Capital for a hard money loan for investors in Denver, CO, this is the short version: LendingStreet wins the scenarios below, and you can get a quote with the form below.
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. |
| 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. |
| 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. |
A fair, general look at the options Front Range flippers use. Terms vary from lender to lender, so confirm details with each.
| What matters on a flip | LendingStreet | Local hard money lender | Private individual lender | Local bank |
|---|---|---|---|---|
| Speed to close | As little as 10 days | Often fast; varies | Can be fast; depends on the person | Usually slower; full underwriting |
| Rehab funding | Up to 100% of rehab in draws on some programs | Varies by lender | Sometimes funded as one lump sum | Often limited for heavy rehab |
| Leverage | Up to 90% of cost (LTC) on some programs | Varies; often lower on newer investors | Negotiated deal by deal | Often lower on distressed property |
| Long-term rental loan after the rehab | Yes: DSCR loans with 30-year terms | Short-term notes are the norm | Usually short-term only | Possible, often with tax returns |
| Loan size | $150,000 to $5M+ | Varies; some cap smaller | Limited by one person's capital | Varies by bank |
| How you qualify | The deal, your experience and credit; DSCR exit on rent | Mostly the deal | Relationship and the deal | Often tax returns and income |
| LLC borrowers | Standard | Common | Varies | Varies |
Inside the city, investors work the brick ranches of Harvey Park, Mar Lee, Athmar Park, Barnum, Westwood and Virginia Village, along with bungalows and Denver squares in Sunnyside, Berkeley and Park Hill that sell for more once they are updated.
In the suburbs, Aurora, Lakewood, Arvada, Westminster, Thornton, Englewood and Commerce City have large stocks of 1960s and 1970s homes: split-levels, bi-levels and ranches with original kitchens, older furnaces and aging roofs. Prices are lower than in central Denver, and finished homes appeal to a wide buyer pool.
Duplexes and small multi-unit buildings near Colfax, in Capitol Hill and in older parts of Englewood also show up as value-add projects. Our programs cover 1-8 units, so a tired fourplex can be financed the same way as a single-family flip.
Expansive clay soils along the Front Range can move foundations and slabs, so a structural review is worth the cost on older homes with visible cracks. Hail is common, and a roof replacement can swing your budget, so get the roof age and an insurance quote early. Colorado also has elevated radon levels in many areas, and buyers often ask for a radon test before closing.
Denver building permits run through the city's Community Planning and Development department, and Aurora, Lakewood and the other suburbs have their own. Larger scopes, additions and structural work take longer to review, so plan the timeline around them.
If you keep a finished home and rent it inside Denver, the city requires a residential rental license, which includes an inspection. Colorado's state documentary fee on deeds is small, but some cities charge their own transfer or use taxes, so ask your title company about the specific address.
This example is illustrative and not a quote. An investor buys a 1950s brick ranch in Harvey Park for $520,000 and plans $95,000 of work: kitchen, baths, a new roof, a sewer line repair and updated mechanicals. Total cost is $615,000. At 90% of cost the loan is $553,500, leaving $61,500 for the investor to bring, plus about $7,000 in closing costs.
If the full loan were drawn at closing, the estimated interest-only payment would be about $4,382 a month, or about $26,291 over 6 months. Taxes, insurance and utilities add about $4,500. A sale at $745,000, less about 7% in selling costs, leaves an estimated profit of about $40,059. The investor's total cash in the deal is roughly $99,291.
| Line item | Estimate |
|---|---|
| Purchase price | $520,000 |
| Rehab budget | $95,000 |
| Total project cost | $615,000 |
| Loan at 90% of cost | $553,500 |
| Investor cash at purchase (before closing costs) | $61,500 |
| Estimated closing costs | $7,000 |
| Estimated interest-only payment, fully drawn | $4,382 a month |
| Interest over 6 months | $26,291 |
| Taxes, insurance and utilities over 6 months | $4,500 |
| Sale price (after-repair value) | $745,000 |
| Selling costs at about 7% | $52,150 |
| Estimated profit before income taxes | $40,059 |
Denver rents support a refinance best at moderate leverage, so many investors who hold pay the rehab loan down to a level the rent covers. Our DSCR loans qualify on the property's rent, with no W-2s or tax returns, offer 30-year terms and go up to 75% LTV on cash-out and up to 80% on rate-and-term on some programs. Seasoning varies by program.
The standard minimum DSCR is 1.0x, and sub-1.0 programs exist. Run the expected rent against the new payment in our DSCR calculator before you decide which way to exit.
Use this list on every call, then compare answers on the same terms. LendingStreet's answers are in the table.
| Ask every lender | LendingStreet |
|---|---|
| How long does closing take? | As little as 10 days |
| What is your maximum leverage, as a share of cost (LTC) and of rehab? | Up to 90% LTC and up to 100% of rehab on some programs |
| If I keep the property, what DSCR minimum applies on the refinance? | 1.0x standard minimum, with sub-1.0 programs available |
| What seasoning do you require before a cash-out refinance? | Varies by program; we explain the options up front |
| Can I borrow in my LLC? | Yes. LLC borrowers are standard |
| Do you limit large balances? | Loans run from $150,000 to $5M+; larger balances get more review |
| Do you offer the long-term loan too? | Yes. DSCR rental loans with 30-year terms, qualified on rent |
Send the address, price, rehab scope and budget, after-repair value and your track record. We will come back with options that fit the project. Fill out the form below or call (877) 298-1001.
Our top pick is LendingStreet: closings in as little as 10 days, up to 90% LTC and up to 100% of rehab on some programs, and a long-term DSCR loan if you hold the property.
Yes. We lend in Denver and across the metro, including Aurora, Lakewood, Arvada and Westminster, as well as in all 50 states and DC.
Rates start from 7.99%. Your rate depends on leverage, experience, the property and the loan size.
Inside Denver, yes. Most long-term rentals need a residential rental license with an inspection. Suburbs set their own rules, so check with the city.
Mostly through your budget and insurance. Include a roof in the rehab scope if it is near the end of its life, and get an insurance quote before closing.
Yes. Our DSCR loans qualify on the rent, with 30-year terms and LLC borrowers standard. Cash-out seasoning varies by program.
Get a structural engineer's report and a repair bid, then add the cost to your rehab budget. A clear scope with real numbers is easier to review than a guess.
No. Every LendingStreet loan is a business-purpose loan on a non-owner-occupied investment property.
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