Hard Money Lenders in Aurora, CO | Fix & Flip Loans | Capital Kings LLC
Broker, not a lender

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.

Get a term sheet →Price an Aurora deal

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

Reviewed by Micah Foster, Founder & Mortgage Broker · September 2026
How we work

What you get working with us

400+
Lenders we shop your deal across
7 to 10
Days to close, typical
100%
Of rehab funded, released in draws
8.99%
Rates from, in Colorado
Run the numbers

Price an Aurora deal right now

Prefilled with a realistic Aurora deal. Change any number and it reprices instantly on the lanes licensed in Colorado, using the same engine behind our term sheets.

Enter your numbers to see the program, loan size and cash to close.
Get a real term sheet →Same math as our term sheet. No credit pull, nothing saved.
The market

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.

A real term sheet

What an Aurora deal looks like on paper

Aurora example: $300,000 purchase, $55,000 rehab, $480,000 after repair value, 730 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$59,848
Proof of funds to show$89,408
Where the $59,848 goes
  • Down payment (15%)You$45,000
  • Origination (0.5%)Lender$2,000
  • Doc prepLender$749
  • Broker fee (1%)Broker$3,100
  • Title and closingTitle$3,867
  • Prepaid interest (15 days)Lender$1,209
  • 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.

Programs

What we can fund in Aurora

ProgramDown paymentMin creditExperienceRateOriginationMax loanTermClose
Best Rate15%700+First flip OK8.99% to 9.49%0.5%75% of ARV12 months14 days
New Investor Program12.5%700+First flip OK9.75%1%75% of ARV12 months72 hours
5% Down, 3+ Flips15%600+3+ completed flips11.00% to 12.00%2%75% of ARV12 months7-14 days
5% Down, 5+ Flips25%660+5+ completed flips9.99% to 10.99%2%75% of ARV9-24 months10-14 days
  1. Origination steps down with experience: 1.5% at 5+ deals, 1% at 8+.
  2. Rate is set per file from 9.99%; origination about 2% plus a $995 processing fee.

Origination has a $2,000 minimum on every program and the broker fee is 1% with a $2,000 minimum. These are the numbers the instant term sheet uses as of September 2026. Strong credit, cash and a track record can price lower through specific lenders in the network.

Market read

What the Aurora comps say

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

Underwriting

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.

The exit

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.

After you apply

Your whole loan, in one portal

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.
What happens after you apply →Tour the borrower portal
Loan products

What we fund in Aurora

Fix & Flip

Purchase plus 100% of rehab, released in draws. The core product in Aurora.

From 8.99% · as little as 12.5% down

DSCR Rental

Qualifies on the property’s rent, not your W-2. The usual exit when a flip becomes a hold, and the long-term financing on a BRRRR.

30-year · no income docs

Bridge & Purchase Only

For clean properties that need speed rather than rehab money. Auction buys, off-market deals, and 1031 timing.

Close in 5 to 10 days

New Construction

Ground-up for builders and infill developers, with a draw schedule matched to the build timeline.

Land + build financing
Coverage

Where we lend in Aurora

We broker deals across the whole Aurora market. These are the submarkets investors ask us about most:

Original Aurora and Del Mar Parkway (80010)Hoffman Heights (80011)Village East and Dayton Triangle (80012 / 80014)Meadowood and Aurora Knolls (80013 / 80015)Morris Heights and northeast Aurora (80011 / 80010)
Process

From deal to funded

01

Send the deal

Address, purchase price, rehab budget and your ARV. Three minutes, no credit pull.

02

We shop it

Your scenario goes to the lenders in our network that actually fit it and are licensed in Colorado, not all 400 at once.

03

Real terms back

Rate, origination, leverage and cash to close side by side, so you can compare on total cost.

04

Close

7 to 10 days typical. We stay on title and the lender through funding.

Questions

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 September 2026: Best Rate (15% down, from 8.99%); New Investor Program (12.5% down, from 9.75%); 5% Down, 3+ Flips (5% down, from 11.00%, 3+ completed flips); 5% Down, 5+ Flips (5% down, from 9.99%, 5+ 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?
Most Aurora fix and flip files close in 7 to 10 business days. Clean files with title opened and the appraisal ordered early can close in as few as 5. The delays we see are almost never the lender, they are title issues and slow document returns on the borrower side.
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 730 credit, first flip: $45,000 down (15%) and $59,848 total cash to close, with $89,408 of proof of funds to show the lender. The lowest down payment lane in Aurora is 12.5%. 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 600. The best pricing needs 700 or higher, and it improves again at 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.
Who you are working with
Micah Foster
Founder & Mortgage Broker
Micah Foster
Micah brokers Non-QM and hard money loans for real estate investors across 37 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.
Send Micah your Aurora deal →
Keep reading

Before you sign anything

Broker
Direct hard money lender vs broker: the honest breakdown
Read article →
Hard Money
Points, fees & rate: how to compare hard money lenders
Read article →
Draws
How construction draws and the rehab holdback actually work
Read article →
Loan Cost
Dutch vs standard interest: what it really costs you
Read article →
Hard money in Denver →Hard money in Colorado Springs →All Colorado coverage →

Ready to fund your Aurora deal?

Submit your scenario in under 3 minutes. We shop it and come back with real terms, not a generic rate sheet.

Start application →Get a pre-approval letter