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Investment property loans · CO

Hard money, fix and flip and DSCR loans in Colorado

Colorado investors bring us rentals, flips and bridge purchases up and down the Front Range, from Fort Collins through Denver and Aurora to Colorado Springs.

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Markets

Where we lend in Colorado

Cities we lend in include Denver, Colorado Springs, Aurora and Fort Collins, and the towns around them.
Denver and AuroraOlder brick houses close to downtown Denver and suburban subdivisions in Aurora, bought to rent or to renovate.
Colorado SpringsRentals near Fort Carson, the Air Force Academy and the Space Force bases, and older houses in the Old North End.
Fort CollinsRentals near Colorado State University and homes in the areas to the south, where the city expanded in the late 20th century.

Colorado

Loans by city in Colorado

Each city has its own page: the neighborhoods investors buy in, the housing and the local rules worth checking before an offer.

Loan programs

Loans for Colorado real estate investors

Pick the loan that fits the deal: short-term money to buy, renovate or build, or a long-term loan to hold the property. Published limits are subject to appraisal and underwriting.
Long-term

DSCR rental loans in Colorado

30-year loans for Colorado rentals of 1–4 units, fixed or adjustable, qualified on the rent with no personal income verification: up to 85% of the price on a purchase, with loans from $75,000.

Purchase LTV up to85%
Term30 years
Income docsNot required
Loans from$75K

Subject to appraisal and underwriting.

DSCR loans: terms and requirements
Short-term

Fix and flip loans in Colorado

Buy and renovate in Colorado with up to 95% of the price and 100% of the rehab budget, on a 12–18 months interest-only loan with no prepayment penalty when the house sells.

Purchase price up to95%
Rehab funded up to100%
Term12–18 months
Prepayment penaltyNone

Subject to appraisal and underwriting.

Fix and flip loans: terms and requirements
Short-term

Bridge loans in Colorado

Close quickly on a Colorado property with up to 95% of the cost financed and a 12–18 months interest-only term, then sell it or refinance onto a long-term loan. No prepayment penalty.

Leverage up to95% LTC
Term12–18 months
PaymentsInterest only
Prepayment penaltyNone

Subject to appraisal and underwriting.

Bridge loans: terms and requirements
Short-term

Ground-up construction loans in Colorado

Financing for new builds in Colorado, from spec homes built to sell to rentals built to hold. Every project is quoted on its plans, budget and builder.

Quoted on your deal.

Construction loans: get a quote
Long-term

Multifamily and commercial loans in Colorado

Financing for Colorado apartment buildings of five units or more, mixed-use and commercial property, quoted on the building's income.

Quoted on your deal.

Multifamily and commercial: get a quote

Good to know

Before you buy in Colorado

Local things that change a deal's numbers or its closing date. Check them before you make an offer.
  • Colorado's for-cause eviction law, in effect since April 19, 2024, covers most tenants who have lived in a unit for at least 12 months. Ending a lease to renovate or to sell takes at least 90 days' written notice, so check how long the tenant has been there before you plan a flip of a rented house.
  • When the deed is recorded, the county clerk collects the state documentary fee of one cent per $100 of the price on sales over $500, and since July 1, 2025 recording costs a flat $43 per document. The price must be marked correctly on both the deed and the transfer declaration that goes in with it.

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Have a Colorado property in mind?

Contact details first, then single-tap answers on the property, the amount and when you need to close. A loan officer phones you back with terms.
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United Lending LLC offers business-purpose financing secured by non-owner-occupied investment real estate. We do not offer loans for personal, family or household purposes, or loans on owner-occupied primary residences.

Questions

Loans in Colorado: common questions

Do you offer hard money loans in Colorado?

Yes. United Lending LLC offers private real estate financing for investors in Colorado: short-term fix and flip and bridge loans sized on the deal, 30-year DSCR loans sized on the rent, and construction and multifamily financing quoted per deal. We're headquartered in Brooklyn, New York, and lend nationwide.

Do you lend in Colorado?

Yes. United Lending LLC offers business-purpose financing on investment property across Colorado, including Denver, Colorado Springs, Aurora and Fort Collins. Tell us the property's address on the form and a loan officer will confirm the details on the first call.

Which loans can I get for a Colorado property?

Fix and flip loans of up to 95% of the price and 100% of the rehab budget, and bridge loans up to 95% loan-to-cost, both on 12–18 months interest-only terms. DSCR rental loans are 30-year loans on 1–4 unit rentals, fixed or adjustable, up to 85% loan-to-value on a purchase and 80% on a cash-out refinance; those are separate limits, not one combined offer. Construction and multifamily loans are quoted per deal. All limits are subject to appraisal and underwriting, and every loan is for property you invest in, not a house you or a relative will occupy.

Is there a prepayment penalty on a Colorado loan?

There's no prepayment penalty on fix and flip or bridge loans. DSCR rental loans come with a choice of prepayment terms, from none up to five years, set out in your written terms before you commit.

Do I need to live in Colorado or have an LLC there?

No. Many of our borrowers invest outside the state they live in. You can borrow in your own name or through an LLC; if the LLC was formed in another state, your loan officer will tell you what's needed before closing.

Where we lend

More states with local pages