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Private Lending in Colorado

Residential investment financing across Colorado’s major metropolitan areas. Bridge, DSCR, fix & flip, new construction, and build-to-rent programs.

Investing in Colorado

Colorado's Front Range (Denver, Boulder, Fort Collins) combines population growth, tech sector strength, and outdoor lifestyle appeal that drives sustained real estate demand. The state's no-state-income-tax absence is offset by moderate property taxes and competitive construction costs. Denver's $580,000 median home price reflects market maturity, but secondary markets offer higher cap rates.

Construction activity remains robust with 50,000+ annual building permits. Mountain and suburban communities continue to attract remote workers and retirees. For seasoned investors, refinance opportunities and rental yields improve in markets outside Denver proper.

Colorado Markets We Serve

We lend across Colorado’s major metropolitan areas. If your project is in or near one of these markets, we want to hear about it.

Denver Boulder Fort Collins Colorado Springs Aurora

Available in Colorado

Every loan program we offer is available to qualified borrowers and properties in Colorado.

Market Snapshot

Median Home Price
$580,000
Property Tax Rate
0.51%
Population Growth
1.9% annually
Annual Permits
~50,000 annually
Landlord Friendly
Mixed
Top Yield Market
Colorado Springs

What Works in Colorado Right Now

Colorado Springs Value & Yield Play

Lower cost basis ($320K–$380K) and faster appreciation enable higher cap rate portfolios. DSCR loans on single-family homes and small multi-units deliver 6–8% cash-on-cash returns with strong appreciation upside.

Denver New Construction Development

Tight urban infill in Denver supports higher density. Finance mixed-use and mid-rise development with bridge and construction loans. Long-term takeout into permanent financing supports project return expectations.

Mountain Community Resort & Rental Hybrid

Second-home and short-term rental demand in mountain towns (Aspen, Vail periphery, Summit County) supports hybrid DSCR/bridge strategies. Seasonal income models require specialized underwriting but offer premium returns.

Frequently Asked Questions

Does Colorado have landlord-friendly eviction laws?
Colorado has moved toward tenant protections. Evictions require 'clear and convincing' evidence, and 14 days' notice is required for pay-or-quit situations. Eviction timelines are 3–4 weeks. Structure leases carefully to navigate protections.
What's Colorado's property tax environment for investors?
Colorado property tax rates average 0.51% statewide, with variation by county. Commercial and rental properties may face different assessment rates. Denver has homestead exemptions that don't apply to investor properties, which is relevant for comp analysis.
Are there licensing requirements for property managers or wholesalers?
Colorado requires real estate licenses for wholesalers and property managers handling multiple properties. If you manage your own portfolio, no license is required. Wholesale activities should be reviewed by counsel.
What's the typical construction timeline in Denver?
Permitting in Denver takes 4–8 weeks depending on project complexity. Construction timelines are 8–14 months for residential projects. Material costs are near national average. Plan bridge financing with flexibility for seasonal weather delays.

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Start Your Colorado Investment

Our team has deep experience financing residential projects across Colorado. Reach out to discuss your next deal.

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