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

Hard Money Lenders inDenver, Colorado

Fix and flip, bridge and purchase only, DSCR rental and new construction financing for Denver 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 a Denver deal

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

Reviewed by Micah Foster, Founder & CEO, September 2026

Price a Denver deal right now

Prefilled with a realistic Denver 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 Denver

Denver is an expensive city where the flips that still pencil live on the west and far northeast sides. Westwood, Barnum, Harvey Park and Mar Lee are full of 1950s brick ranches with basements, and Montbello is mostly 1970s and 80s tract houses. You won’t find cheap entry prices here, so the spread comes from buying a tired house well below the block and finishing it to what the street actually supports.

What decides a Denver deal is the basement and the sewer line. Most of the west side ranches sit on a full or garden-level basement, and finishing it (egress window, bedroom, bath) is where the square footage and the ARV jump. Just as often, the clay tile or Orangeburg sewer lateral under the yard is cracked or full of roots, and a scope before closing tells you whether you’re paying for a spot repair or a full replacement out to the main. Put both in the budget on day one and you’ll know if the deal works before you’re committed.

What a Denver deal looks like on paper

Denver example: $355,000 purchase, $65,000 rehab, $560,000 after repair value, 700 credit, first flip. The engine puts that borrower on the Best Rate program at 9.49%. Picture a 1950s brick ranch in Harvey Park with an unfinished basement, original galley kitchen, a panel swap and a sewer line repair. Every number below is what the instant term sheet prints for that deal, so the picture cannot contradict the page.

Loan amount$366,750
Cash to close$70,772
Proof of funds to show$105,724
Where the $70,772 goes
  • Down payment (15% of the purchase)You$53,250
  • Origination (0.5%)Lender$2,000
  • Lender fees (flat)Lender$1,989
  • Broker fee (1%)Broker$3,668
  • Title and closing (estimate at Texas rates)Title$4,148
  • Prepaid interest (15 days)Lender$1,177
  • Property insuranceInsurer$3,990
  • AppraisalAppraiser$550

Interest while you rehab: $2,386 a month on the $301,750 funded at closing, $2,900 once every draw is out. Proof of funds is cash to close plus $17,550 of rehab reserve and $17,402 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 Denver

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 Denver prices sit right now

Before we price a Denver 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 Denver median sale price at $619K for the three months ending August 2026, up 4.9% from a year earlier, with homes selling in about 28 days. Zillow’s average home value for Denver is $524,695, down 2.1% over the past year.

Median sale price, Denver (Redfin, 3 months to Aug 2026)$619K
Days on market, Denver (Redfin)28
Zillow average home value, Denver (Aug 2026)$524,695

Sources: Redfin, Denver housing market, Zillow, Denver home values, City and County of Denver, residential rental property license

How a Denver file actually gets priced

Denver ARVs are set block by block. A Harvey Park ranch and a Bear Valley ranch a mile apart can land in very different places, and an appraiser won’t pull a Sloan’s Lake comp into Barnum however close it looks on the map. We use closed sales from the same neighborhood inside roughly three months and pay attention to whether the basement in each comp was finished and permitted, because an unpermitted basement bedroom usually doesn’t count toward the room count. If the number needs the finished basement to hit, the permit has to be in the plan.

Three Front Range realities show up on Denver files. Expansive clay under a lot of the city heaves slabs and cracks basement walls, so a structural look at older foundations is worth the money. Colorado radon levels run high, and buyers here routinely test for it, so a mitigation system is a cheap line to include. And hail season hits roofs hard, which means insurers look closely at roof age. On the paperwork side, Denver has required a residential rental license since a 2021 ordinance, with an inspection to certify the house, so a hold plan needs that inspection on the calendar. Structural, electrical and basement work runs through the city’s Community Planning and Development permit process, which isn’t fast.

Who buys your finished Denver deal

The finished Denver ranch goes to a first-time or move-up buyer who’s priced out of the central neighborhoods and wants a yard and a garage. They’re comparing your house with suburban new builds in Aurora and Thornton, so the finish needs to look current and the mechanicals need to be clean on the inspection report. Price it against what closed on your street, not what’s listed. If you’d rather hold, Montbello and Westwood are where the rent gets closest to covering the payment, but the license and inspection are part of that plan.

What happens after you apply

Apply once and the whole Denver 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 Denver

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 Denver

We broker deals across the whole Denver market. The submarkets investors ask us about most are Westwood and Harvey Park (80219), Barnum and Villa Park (80219 / 80204), Athmar Park and Ruby Hill (80223), Montbello (80239), Globeville and Elyria-Swansea (80216), Green Valley Ranch (80249) and Mar Lee and Bear Valley (80227 / 80236).

How long does a Denver 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.

Denver hard money FAQ

Do you lend hard money in Denver?
Yes. Capital Kings is a broker, not a direct lender, so we shop your Denver 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 Denver?
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 a Denver hard money loan close?
As little as 72 hours. Most Denver 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 a Denver flip?
The worked example on this page is a $355,000 Denver purchase with a $65,000 rehab and a $560,000 after repair value at 700 credit, first flip: $53,250 down (15% of the purchase) and $70,772 total cash to close, with $105,724 of proof of funds to show the lender. The lowest down payment for a first flip in Denver 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 Denver?
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 a Denver fix and flip loan?
The lowest credit floor among the Denver 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 a Denver flip into a rental loan?
Yes. That is the BRRRR exit, and it is the most common way a Denver 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.
Should I finish the basement on a Denver flip?
Usually, yes, if the ceiling height and an egress window make it a legal bedroom. On the west side ranches the basement is often half the house, and buyers here pay for finished space. Pull the permit, though. An appraiser and a buyer’s inspector will both notice a basement bedroom that was never permitted, and it may not count toward the value you need.
Do I need a rental license if I hold a Denver flip instead of selling?
Yes. Since the 2021 ordinance, anyone renting a house in the City and County of Denver needs a residential rental property license, and a single-family house gets a rental inspection to certify it. It’s manageable, but schedule it before the tenant moves in so the DSCR refinance and the first rent check aren’t waiting on it.
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 Denver: Aurora, Colorado Springs and Grand Junction. More Colorado city guides: Boulder, Fort Collins and Pueblo. Or see everything we fund in Colorado.

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