Close in 10 Days. 90% LTC.
Denver real estate investors: fast hard money financing for fix and flip projects. Up to 90% of purchase price, 100% of rehab costs. No W-2. 620+ credit. Close in 5-10 days.
Check My Denver Rate →The stock is pre-war bungalows in the central neighborhoods, post-war ranches across the city and inner suburbs, and a basis among the highest in the Mountain West. Bungalow and ranch flips in Westwood, Barnum, Villa Park and Montbello. Hail-driven roof replacement, sewer-line and lead paint are the items; permitting timelines are long.
Colorado is non-judicial through the public trustee system. Denver runs at a high basis that compresses DSCR, and Colorado's property-tax assessment cycle has produced large swings in the tax line. Denver's landlord-tenant rules have tightened materially in recent years. Hail is the dominant insurance driver.
Pre-war stock in Denver means the scope is rarely what the walkthrough suggests. Budget the mechanicals before the finishes and expect the inspector to find what the seller did not disclose.
Insurability at resale is the exit risk in Denver. If the roof, openings or elevation make the property hard to insure, the ARV you underwrote may not be the price you clear.
If the property is occupied, Denver's tenant rules govern when you can take possession to start work. Build the timeline around the law, not the contract date.
Fix & Flip loans in Denver qualify based on the deal itself — purchase price, rehab budget, after-repair value (ARV) and your flip experience — not your W-2 or tax returns. Up to 90% LTC + 100% rehab financing, 6-18 month terms, close in 5-10 days, interest-only during rehab.
LendingStreet has structured $4.36B+ across 8,196 deals nationwide. NMLS #1734316 · 30+ capital sources · 50 states.
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.
We finance rentals and projects throughout the metro. The loan is underwritten on the property, its rent or after-repair value and your experience — not on the neighborhood name.
We also fund investments throughout the greater Denver metro including Aurora, Lakewood, Thornton, Westminster, and Centennial.
Illustrative examples of structures we finance — not specific funded loans. Terms depend on the borrower, property and capital source.
Accurate ARV is critical. Denver submarkets like LoHi have strong comp data. Lenders want 3-5 recent comps within a quarter mile.
Denver rehab costs: $15-40/sq ft cosmetic, $40-75/sq ft moderate, $75-150/sq ft gut. Permits matter in Denver — include permit timelines.
Lenders require a clear exit — sale or refi to DSCR. Market time in Denver averages 30-60 days. Build a 6-month exit buffer.
First-time flippers can qualify. New flippers start at 80-85% LTC; experienced investors (2+ completed flips) reach 90%+.
How the numbers work: see what 90% of purchase plus 100% of rehab means in cash, or estimate your ARV in the ARV calculator.
Up to 90% LTC on purchase and 100% on rehab for qualified borrowers with flipping experience.
Typical Denver fix and flip closings happen in 5-10 business days. Experienced borrowers can close in 5-7 days.
First-time flippers can qualify at 80-85% LTC. Experienced borrowers (2+ flips) access 90%+ LTC and lower rates.
The minimum credit score is 620. Stronger credit improves leverage and pricing.
Rehab funds via reimbursement draws — complete work, inspector verifies, lender wires funds every 2-4 weeks.
Fix and flip loans in Denver range from $150K to $5M. Most SFR flips fall in $200K-$800K range.
Yes. All Denver fix and flip loans allow LLC borrowing with a personal guarantee.
Most loans carry 12-18 month terms with extension options. Refinancing to DSCR is an alternative if you hold as a rental.
Hail-driven roof replacement, sewer-line and lead paint are the items; permitting timelines are long. Budget contingency for it.
Only if the scope addresses what carriers price — roof age, openings, elevation. Confirm before you close; it is the exit.
It affects which capital sources are comfortable writing there and at what leverage. It does not change how you apply.
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