Hard Money Lenders in Aurora, CO | Fix & Flip | Capital Kings LLC
Capital Kings LLC · Non-QM Mortgage Broker

Hard Money Lenders inAurora, Colorado

Fix and flip, bridge and purchase only, DSCR rental and new construction financing for Aurora investors. We do not lend our own money, we shop your deal across a 400+ lender network and come back with real terms you can compare on total cost.

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Prefer to talk it through? Call or text Micah at (281) 636-5682.

Reviewed by Micah Foster, Founder & CEO, September 2026

Price an Aurora deal right now

Prefilled with a realistic Aurora deal. Change any number and it reprices on the programs that lend in Colorado, with the same math as our term sheets.

Sizing your flip on the same terms as the term sheet. Get a real term sheet →

Financing a deal in Aurora

Aurora is the Denver metro’s value side, and the flips cluster in the oldest part of it. Original Aurora along East Colfax and Hoffman Heights, a neighborhood built in the early 1950s right off I-225, are small ranches on modest lots, a short drive from the CU Anschutz Medical Campus and Children’s Hospital. South and east, the 1970s and 80s subdivisions around Village East and Meadowood are split-levels and two-stories that need updating more than rescuing.

The Aurora deal comes down to which Aurora you’re in. Original Aurora and Hoffman Heights trade as entry-level houses, and the buyer is often a hospital worker or someone priced out of Denver proper, so a clean, efficient finish sells better than a luxury one. The 70s and 80s suburbs to the south are a different product: bigger houses, HOAs in places, and buyers who compare you to the new builds going up on the east edge of the city. Pick the right finish for the right side of town before you pick the countertops.

What an Aurora deal looks like on paper

Aurora example: $300,000 purchase, $55,000 rehab, $480,000 after repair value, 700 credit, first flip. The engine puts that borrower on the Best Rate program at 9.49%. Picture a post-war Hoffman Heights ranch near the Anschutz campus: new roof, electrical, kitchen, bath and a finished addition that gets permitted properly. Every number below is what the instant term sheet prints for that deal, so the picture cannot contradict the page.

Loan amount$310,000
Cash to close$60,874
Proof of funds to show$90,434
Where the $60,874 goes
  • Down payment (15% of the purchase)You$45,000
  • Origination (0.5%)Lender$2,000
  • Lender fees (flat)Lender$1,989
  • Broker fee (1%)Broker$3,100
  • Title and closing (estimate at Texas rates)Title$3,867
  • Prepaid interest (15 days)Lender$995
  • Property insuranceInsurer$3,373
  • AppraisalAppraiser$550

Interest while you rehab: $2,017 a month on the $255,000 funded at closing, $2,452 once every draw is out. Proof of funds is cash to close plus $14,850 of rehab reserve and $14,710 of interest reserve. Sample borrower, sample address; the sheet is issued by the same engine as the borrower’s instant term sheet.

Fix and flip programs in Aurora

Swipe the table for rates, credit and terms →

ProgramDown paymentMin creditExperienceRateOriginationMax loanTermClose
Best Rate15% of purchase700+First flip OK8.99% to 9.49%0.5%70% of ARV12 months5-14 days
New Investor Program12.5% of purchase700+First flip OK9.75%1%75% of ARV12 months72 hours
First Flip, 10% Down110% of purchase + rehab660+First flip OK9.99%2%75% of ARV12 months21-30 days
7.5% Down, 3+ Flips27.5% of purchase + rehab660+3+ completed flips9.99%1.5%75% of ARV12 months21-30 days
5% Down, 5+ Flips35% of purchase660+5+ completed flips9.99% to 10.99%2%75% of ARV9-24 months10-14 days
100% Financing, 2+ Flips40% (100% financing)620+2+ completed flips9.50% to 12.00%2.5%70% of ARV9 months7-14 days
  1. Rate 9.99% with 2% to 2.25% origination by credit; more origination buys the rate down as far as 8.99%. Loans under $150,000 add 0.5% to the rate and 0.5% to the origination, under $100,000 1.5% and 1%. Under 680 credit the loan caps at 87.5% of cost. Standard interest, charged only on funds drawn. The loan is capped at a share of purchase plus rehab, the full rehab held back for draws, and the ARV must be at least 1.25 times purchase plus rehab. Processing $500, legal $1,495 and underwriting $795.
  2. Rate 9.99% with 1.5% to 1.75% origination by credit; more origination buys the rate down as far as 8.99%. Loans under $150,000 add 0.5% to the rate and 0.5% to the origination, under $100,000 1.5% and 1%. Under 680 credit the loan caps at 90% of cost. Standard interest, charged only on funds drawn. The loan is capped at a share of purchase plus rehab, the full rehab held back for draws, and the ARV must be at least 1.25 times purchase plus rehab. Processing $500, legal $1,495 and underwriting $795.
  3. Rate is set per file from 9.99%; origination about 2% plus a $995 processing fee.
  4. Needs 2 completed flips in the last two years and about $75,000 in verified liquidity. Rate 9.5% to 12% with 2% to 3% origination, set per file. Purchase plus rehab must fit under 70% of ARV.

Origination has a $2,000 minimum on most programs (a few lenders set a higher one, noted above) and our broker fee is 1% with a $2,000 minimum and a $10,000 maximum. These are the numbers our term sheets use as of October 2026. Strong credit, cash and a track record can price lower through specific lenders in the network.

Where Aurora prices sit right now

Before we price an Aurora flip, we look at where sales in the city sit today. Your block can run well above or below these numbers, so treat them as the starting point, not the answer.

Redfin puts the Aurora median sale price at $450K for the three months ending August 2026, down 4.3% from a year earlier, with homes selling in about 32 days.

Median sale price, Aurora (Redfin, 3 months to Aug 2026)$450K
Days on market, Aurora (Redfin)32
Year over year change in median (Redfin)-4.3%

Sources: Redfin, Aurora housing market, 9News, Hoffman Heights history

How an Aurora file actually gets priced

We comp Aurora houses inside their own subdivision and vintage, and an appraiser will do the same. A 1950s Hoffman Heights ranch doesn’t comp against a 1980s Meadowood two-story even if the square footage matches, and Denver sales across Yosemite don’t carry over either. Many of the older houses have had additions and garage conversions over the decades, so we check the permit history, since unpermitted square footage gets left out of the value. Closed sales from the last three months set the number.

Aurora shares the Front Range problems: clay soils that crack foundations and flatwork, high radon, and hail that shortens roof life. In older Original Aurora houses, expect outdated wiring, galvanized supply lines and sewer laterals that need scoping. In the newer subdivisions, HOA covenants can control exterior paint, fencing and roofing materials, so read the rules before you plan the exterior. Aurora has its own building division and its own water utility, separate from Denver, so budget for its permit timing and fees, not Denver’s.

Who buys your finished Aurora deal

The finished Aurora flip sells to a first-time buyer, a medical campus employee or a military family from Buckley Space Force Base, often with FHA or VA financing. That makes a clean inspection report and a sound roof non-negotiable. Out east, builders are selling new homes with rate buydowns, which caps what a resale flip can ask in the 80s subdivisions. Closer in, the Anschutz campus keeps rental demand steady, so a DSCR refinance is a practical Plan B on a Hoffman Heights or Original Aurora house.

What happens after you apply

Apply once and the whole Aurora loan lives in the borrower portal: the term sheet you can accept and sign in the browser, where the loan stands, one place for documents, and the list of what the lender is still waiting on. These are real screens from the portal.

Capital Kings borrower portal: Welcome to your file
Welcome to your fileSign in and the term sheet is waiting, with every fee and who it goes to.
Capital Kings borrower portal: Where the loan stands
Where the loan standsApplication, appraisal, title, underwriting, clear to close.
Capital Kings borrower portal: Run the deal again
Run the deal againThe analyzer priced off your real numbers, before and after the appraisal.
Capital Kings borrower portal: What the lender still needs
What the lender still needsEvery open condition, what clears it, and who it is waiting on.

The full walkthrough is on how it works, and you can tour the borrower portal before you apply.

What we fund in Aurora

Fix and flip

10%down on a first flip
Rates
from 8.99% at 760+ credit
With experience
0% down with 2+ completed flips, purchase plus rehab under 70% of ARV
Rehab
100% funded, paid in draws
Fix and flip loans in Colorado →

Rental (DSCR)

7.00%rates from, 30-year fixed
Qualify on
the rent, no W-2s or tax returns
Down
from 20% at 700+ credit
Good for
buy-and-hold, and the refinance when a flip becomes a rental
DSCR loans in Colorado →

Bridge and purchase only

12.5%down at 700+ credit, no rehab in the loan
Rates
from 9.75% at 680+ credit
Close
in 5-14 days
Good for
auction buys, off-market deals and 1031 timing

New construction

95%of cost with a financed interest reserve, after 1 completed build
Rates
from 8.49% with 5+ completed builds
First build
85% of cost with a GC who has 5+ builds
Builds
single family to small multifamily
New construction loans in Colorado →

Where we lend in Aurora

We broker deals across the whole Aurora market. The submarkets investors ask us about most are Original Aurora and Del Mar Parkway (80010), Hoffman Heights (80011), Village East and Dayton Triangle (80012 / 80014), Meadowood and Aurora Knolls (80013 / 80015) and Morris Heights and northeast Aurora (80011 / 80010).

How long does a Aurora loan take to fund?

You send the address, purchase price, rehab budget and your ARV, which takes about five minutes and no credit pull. We take it to the lenders in our network that fit it and are licensed in Colorado, and the rate, origination, leverage and cash to close come back side by side. 5-14 days to fund, as little as 72 hours on the fastest programs. We stay on title and the lender through funding.

Aurora hard money FAQ

Do you lend hard money in Aurora?
Yes. Capital Kings is a broker, not a direct lender, so we shop your Aurora scenario across a 400+ lender network and bring back real terms instead of one lender’s rate sheet. The programs on this page are the ones whose lenders are licensed in Colorado, and the numbers come from the same engine that prices our instant term sheet.
Which fix and flip programs apply in Aurora?
As of October 2026: Best Rate (15% down, from 8.99%); New Investor Program (12.5% down, from 9.75%); First Flip, 10% Down (10% down, from 9.99%); 7.5% Down, 3+ Flips (7.5% down, from 9.99%, 3+ completed flips); 5% Down, 5+ Flips (5% down, from 9.99%, 5+ completed flips); 100% Financing, 2+ Flips (100% financing when purchase plus rehab fits under 70% of ARV, from 9.50%, 2+ completed flips). Rehab is funded 100 percent in draws on every one of them, and we shop the file against the rest of the network before anything is signed.
How fast can an Aurora hard money loan close?
As little as 72 hours. Most Aurora fix and flip files fund in 5-14 days once the file is complete, and the 72-hour programs close that fast when title and insurance are ready. The First Flip, 10% Down program and the 7.5% Down, 3+ Flips program close in 21-30 days. The biggest delays are usually title issues or missing borrower documents, so getting those started early makes a big difference.
How much do I need to bring to close on an Aurora flip?
The worked example on this page is a $300,000 Aurora purchase with a $55,000 rehab and a $480,000 after repair value at 700 credit, first flip: $45,000 down (15% of the purchase) and $60,874 total cash to close, with $90,434 of proof of funds to show the lender. The lowest down payment for a first flip in Aurora is 10% down from 9.99% at 660+ credit. Investors with a track record can go to 0% down (100% financing) from 9.50% at 620+ credit with 2+ completed flips, when purchase plus rehab fits under 70% of ARV, and you still bring the closing costs in cash. Rehab is funded 100 percent through draws in every case. Run your own numbers in the calculator above, or send us the deal and we will price it.
Do you fund the rehab budget in Aurora?
Yes, 100 percent of the rehab is funded, but it is a holdback released in draws rather than cash at closing. You pay for each phase, request a draw, an inspector verifies the work, and the lender reimburses. That means you need working capital to float the first phase, which is the single most common thing new investors miss on their first deal.
What credit score do I need for an Aurora fix and flip loan?
The lowest credit floor among the Aurora programs is 620, on 100% financing (under 70% of ARV) with 2+ completed flips. A first flip needs 660 or higher. The lowest rate here, 8.99%, needs 760+ credit. Depending on the program, rates step down at 760 credit and origination steps down at 700 and 740. Credit matters less here than on a conventional loan because the deal carries the file, but it moves your rate and your leverage, so know where you stand before you make offers.
Can I refinance an Aurora flip into a rental loan?
Yes. That is the BRRRR exit, and it is the most common way an Aurora flip becomes a hold. A DSCR loan qualifies on the property’s rental income rather than your W-2, so once the rehab is done and it is leased, you refinance out of the short-term hard money loan into 30-year financing. Worth deciding before you start, because it changes what finish level makes sense.
Is Aurora a better flip market than Denver?
It’s a cheaper one, which helps a first flip. Entry prices in Original Aurora and Hoffman Heights run well below Denver’s west side, and the buyer pool from the medical campus and Buckley is steady. The tradeoff is competition from new construction farther east, so the flips that work are the older, close-in houses bought at a real discount.
Do HOAs matter on an Aurora flip?
In some parts of the city, yes. The post-war neighborhoods mostly don’t have them, but many of the 1970s and later subdivisions do, and their covenants can dictate roofing, paint colors and fencing. Pull the HOA documents during your option period so the exterior scope matches what the association will approve.
Micah Foster
Micah Foster
Founder & CEO, Capital Kings LLC
Micah brokers Non-QM and hard money loans for real estate investors across 38 states from his base in Texas. He founded Capital Kings to give investors a broker who shops the market on their behalf instead of pitching one lender product.

What to read before you sign a term sheet

Hard money near Aurora: Denver and Colorado Springs. More Colorado city guides: Boulder, Fort Collins, Grand Junction and Pueblo. Or see everything we fund in Colorado.

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