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

Hard Money Lenders inFort Collins, Colorado

Fix and flip, bridge and purchase only, DSCR rental and new construction financing for Fort Collins 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 Fort Collins deal

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

Reviewed by Micah Foster, Founder & CEO · October 2026
How we work

What you get working with us

400+
Lenders we shop your deal across
72 hrs
To close at the fastest, 5-14 days typical
100%
Of rehab funded, released in draws
8.99%
Rates from, in Colorado
Run the numbers

Price a Fort Collins deal right now

Prefilled with a realistic Fort Collins 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 Fort Collins

Fort Collins is a university town with a real job base behind it. Colorado State, the hospital system and a cluster of engineering and manufacturing employers keep demand steady, and Old Town gives the city a downtown people want to live near. The flip stock splits by decade: early 1900s bungalows and foursquares on the Eastside and Westside around Old Town, then 1960s and 70s ranches and tri-levels through Midtown and the streets south of Drake.

The Fort Collins deal turns on the lower level and the students. Most Midtown tri-levels and ranches carry a basement or a garden level, and turning it into a legal bedroom with egress is where the spread comes from. Near campus, plenty of buyers and renters want a house that works for roommates, but the city has a long history of limiting how many unrelated people can share a home and has revised those rules in recent years. Read the current occupancy rule before you underwrite a hold priced by the bedroom.

A real term sheet

What a Fort Collins deal looks like on paper

Fort Collins example: $410,000 purchase, $60,000 rehab, $640,000 after repair value, 730 credit, first flip. The engine puts that borrower on the Best Rate program at 9.49%. Picture a 1970s tri-level in Midtown south of Drake Road: roof, windows, a kitchen, two baths and a finished lower level with an egress window. Every number below is what the instant term sheet prints for that deal, so the picture cannot contradict the page.

Loan amount$408,500
Cash to close$80,586
Proof of funds to show$116,169
Where the $80,586 goes
  • Down payment (15% of the purchase)You$61,500
  • Origination (0.5%)Lender$2,043
  • Lender fees (flat)Lender$1,989
  • Broker fee (1%)Broker$4,085
  • Title and closing (estimate at Texas rates)Title$4,361
  • Prepaid interest (15 days)Lender$1,593
  • Property insuranceInsurer$4,465
  • AppraisalAppraiser$550

Interest while you rehab: $2,756 a month on the $348,500 funded at closing, $3,231 once every draw is out. Proof of funds is cash to close plus $16,200 of rehab reserve and $19,383 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 Fort Collins

ProgramDown paymentMin creditExperienceRateOriginationMax loanTermClose
Best Rate15%700+First flip OK8.99% to 9.49%0.5%70% of ARV12 months5-14 days
New Investor Program12.5%700+First flip OK9.75%1%75% of ARV12 months72 hours
First Flip, 10% Down110%660+First flip OK9.99%2%75% of ARV12 months21-30 days
7.5% Down, 3+ Flips27.5%660+3+ completed flips9.99%1.5%75% of ARV12 months21-30 days
5% Down, 3+ Flips35%600+3+ completed flips12.00%2%75% of ARV12 months7-14 days
5% Down, 5+ Flips45%660+5+ completed flips9.99% to 10.99%2%75% of ARV9-24 months10-14 days
100% Financing, 2+ Flips50% (100% financing)620+2+ completed flips9.50% to 12.00%2.5%70% of ARV9 months7-14 days
  1. Rate 9.99% at 2 to 2.25 points by credit; buy down to 8.99%. Loans under $150,000 add 0.5% to the rate and half a point, under $100,000 1.5% and a point. 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% at 1.5 to 1.75 points by credit; buy down to 8.99%. Loans under $150,000 add 0.5% to the rate and half a point, under $100,000 1.5% and a point. 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 from 12%, set per file. Origination steps down with experience: 1.5% at 5+ deals, 1% at 8+.
  4. Rate is set per file from 9.99%; origination about 2% plus a $995 processing fee.
  5. Needs 2 completed flips in the last two years and about $75,000 in verified liquidity. Rate 9.5% to 12% and 2 to 3 points, set per file. Purchase plus rehab must fit under 70% of ARV.

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 October 2026. Strong credit, cash and a track record can price lower through specific lenders in the network.

What we check first

Where Fort Collins prices sit right now

Before we price a Fort Collins 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 Fort Collins median sale price at $550K for the three months ending September 2026, up 0.9% from a year earlier, with homes selling after about 50 days on the market.

Median sale price, Fort Collins (Redfin, 3 months to Sep 2026)$550K
Days on market, Fort Collins (Redfin)50
Year over year change in median (Redfin)+0.9%

Sources: Redfin, Fort Collins housing market

Underwriting

How a Fort Collins file actually gets priced

Appraisers here keep Old Town, Campus West and Midtown in separate buckets, and a Midtown tri-level is valued against other Midtown tri-levels sold in about the last three months. New houses in Timnath, Windsor and Wellington are not your comps even if buyers tour them the same weekend. We look hard at basement finish in each comp, because a permitted lower-level bedroom counts and an unpermitted one usually does not. Old Town houses get compared on lot size and alley access as much as square footage.

The Cache la Poudre River and Spring Creek both carry mapped floodplains through town, and the 1997 Spring Creek flood is the reason the city is strict about floodplain permits, so check the lot first. Expansive clay is common along the Front Range here, radon tests come back high often enough that buyers expect a mitigation fan, and hail takes roofs on a regular cycle. The city runs its own electric and water utility and its own building review, so permit timing is a local number, not a Denver one.

The exit

Who buys your finished Fort Collins deal

The finished Fort Collins flip goes to a CSU employee, a hospital worker, an engineer from one of the east side employers or a family moving up from an apartment. They compare you with new builds in the towns ringing the city, so a resale flip has to win on location and lot, then on finish. Close to campus, a DSCR hold is a fair fallback because rental demand stays deep while the university is in session.

After you apply

Your whole loan, in one portal

Apply once and the whole Fort Collins 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 Fort Collins

Fix & Flip

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

15% down from 8.99% at 700+ credit · 10% down from 9.99% at 660+ credit

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 5-14 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 Fort Collins

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

Old Town and the Eastside historic blocks (80524)Campus West and Avery Park (80521)Midtown along College Avenue (80525)Northeast Fort Collins near Mulberry (80524)Southside around Harmony Road (80525 / 80526)Westside foothills streets near Horsetooth (80526)
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

5-14 days to fund, as little as 72 hours on the fastest programs. We stay on title and the lender through funding.

Questions

Fort Collins hard money FAQ

Do you lend hard money in Fort Collins?
Yes. Capital Kings is a broker, not a direct lender, so we shop your Fort Collins 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 Fort Collins?
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, 3+ Flips (5% down, from 12.00%, 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 Fort Collins hard money loan close?
As little as 72 hours. Most Fort Collins 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 Fort Collins flip?
The worked example on this page is a $410,000 Fort Collins purchase with a $60,000 rehab and a $640,000 after repair value at 730 credit, first flip: $61,500 down (15% of the purchase) and $80,586 total cash to close, with $116,169 of proof of funds to show the lender. The lowest down payment for a first flip in Fort Collins 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 Fort Collins?
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 Fort Collins fix and flip loan?
The lowest credit floor among the Fort Collins programs is 600, on 5% down with 3+ 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 Fort Collins flip into a rental loan?
Yes. That is the BRRRR exit, and it is the most common way a Fort Collins 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.
Can I flip a Fort Collins house and rent it to students if it does not sell?
You can, but check two things first. The city limits how many unrelated people can live in one house and has updated that rule recently, so confirm what applies to your address. Then size the DSCR refinance on the rent the appraiser will support for the whole house, not a per-room number that assumes more tenants than the rule allows.
Is the basement worth finishing on a Fort Collins flip?
Often yes, if it can be a legal bedroom. A Midtown tri-level with a finished lower level and a proper egress window competes with newer houses on bedroom count. Permit the work, because the appraiser and the buyer’s inspector will both ask, and an unpermitted bedroom may not count toward the value the deal needs.
Who you are working with
Micah Foster
Founder & CEO
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 Fort Collins 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 Boulder →Hard money in Cheyenne →Hard money in Laramie →All Colorado coverage →

Ready to fund your Fort Collins deal?

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