Denver real estate developers: ground-up construction financing for spec homes and investor projects. Up to 85% of total costs. Draw schedules aligned to milestones.
Check My Denver Rate →Denver combines tech, energy, aerospace, and outdoor lifestyle appeal. Lockheed Martin, DISH Network, Ball Corporation, and a massive startup ecosystem drive professional rental demand. Higher entry prices than most Midwest and Southeast metros, but consistent appreciation and strong rents support the math. Suburbs like Aurora and Lakewood offer better cash flow than city proper.
Active investor market with strong rental demand and construction activity.
Active investor market with strong rental demand and construction activity.
Active investor market with strong rental demand and construction activity.
Active investor market with strong rental demand and construction activity.
Active investor market with strong rental demand and construction activity.
We also fund investments throughout the greater Denver metro including Aurora, Lakewood, Thornton, Westminster, and Centennial.
Denver permitting varies by submarket — 30-60 days in some areas, 4-6 months in others. Include in budget.
Denver construction lenders favor experienced builders. First-time builders qualify with GC partnership.
Typical Denver draws: 10-15% at closing, 5-7 draws during construction, 10% at CO. Inspections required.
Construction loans must be refinanced at completion. Plan take-out: 30-year DSCR for rentals, traditional for sales. Denver's strong market makes take-outs reliable.
Up to 85% LTC. First-time builders may be capped at 75-80%. Experienced builders access 85%+ reliably.
First-time builders can qualify with a GC partnership, strong subs, and adequate reserves.
10-15% at closing (lot + permits), 5-7 milestone draws during construction, 10% at CO. Each requires inspection.
Construction loans in Denver run 12-24 months. Most spec builds complete in 9-14 months.
Most lenders require permits in-hand or at final approval before funding vertical construction.
Yes. Build-to-rent is strong in Denver. Close with construction loan, build, take out with 30-year DSCR at CO.
Most programs require 680+ FICO. Strongest pricing at 720+.
Construction loans in Denver range from $250K to $5M+. Most SFR spec builds fall in $300K-$800K.
No credit pull. No commitment. Speak with a licensed financing firm that knows the Texas investor market.
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