Hard Money Lenders in Grand Junction, CO | Capital Kings LLC
Broker, not a lender

Hard Money Lenders inGrand Junction, Colorado

Fix and flip, bridge and purchase only, DSCR rental and new construction financing for Grand Junction 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 Grand Junction 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 Grand Junction deal right now

Prefilled with a realistic Grand Junction 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 →

The market

Financing a deal in Grand Junction

Grand Junction is the hub of Colorado’s Western Slope, four hours over the mountains from Denver, where the Colorado and Gunnison rivers meet. Colorado Mesa University, the regional hospitals, energy work and the orchards and wineries around Palisade drive the economy, and people from the Front Range keep moving here for lower prices and the outdoors. The flip stock is 1950s to 1980s ranches and split levels, with newer subdivisions on the north side and the Redlands.

The ground decides Grand Junction deals. Much of the valley sits on clay and shale soils that swell or settle with water, so cracked slabs, sticking doors and stair-step cracks in block walls are common. Get a structural look before you buy and keep water away from the foundation. Many older lots also carry irrigation water from the valley’s ditch companies, which buyers value for yards and gardens.

A real term sheet

What a Grand Junction deal looks like on paper

Grand Junction example: $285,000 purchase, $55,000 rehab, $460,000 after repair value, 730 credit, first flip. The engine puts that borrower on the Best Rate program at 9.49%. Picture a 1970s ranch on the east side: roof, swamp cooler swapped for central air, kitchen, bath and new flooring, with the foundation checked first. Every number below is what the instant term sheet prints for that deal, so the picture cannot contradict the page.

Loan amount$297,250
Cash to close$58,241
Proof of funds to show$87,196
Where the $58,241 goes
  • Down payment (15% of the purchase)You$42,750
  • Origination (0.5%)Lender$2,000
  • Lender fees (flat)Lender$1,989
  • Broker fee (1%)Broker$2,973
  • Title and closing (estimate at Texas rates)Title$3,804
  • Prepaid interest (15 days)Lender$945
  • Property insuranceInsurer$3,230
  • AppraisalAppraiser$550

Interest while you rehab: $1,916 a month on the $242,250 funded at closing, $2,351 once every draw is out. Proof of funds is cash to close plus $14,850 of rehab reserve and $14,105 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 Grand Junction

Swipe the table for rates, credit and terms →

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 Grand Junction prices sit right now

Before we price a Grand Junction 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 Grand Junction median sale price at $428K for the three months ending September 2026, down 2.8% from a year earlier, with homes selling after about 35 days on the market, compared with 29 days a year earlier.

Median sale price, Grand Junction (Redfin, 3 months to Sep 2026)$428K
Days on market, Grand Junction (Redfin)35
Year over year change in median (Redfin)-2.8%

Sources: Redfin, Grand Junction housing market · U.S. Department of Energy, Grand Junction site

Underwriting

How a Grand Junction file actually gets priced

Appraisers here split the valley into the core, Orchard Mesa, the Redlands, the north side and the Clifton area, and they comp within each. Redlands houses with views and larger lots do not carry an Orchard Mesa ranch. We use recent closed sales of similar age and size from the same area, and we flag any foundation repair in the scope so the appraiser sees it was done.

Beyond the soils, check for radon, which is common in western Colorado and cheap to mitigate. In the 1950s and 1960s some uranium mill tailings were used as fill around Grand Junction buildings; most were cleaned up under a federal program decades ago, but ask the seller and the county records on an older house. Washes and low areas near the rivers can be in flood zones. Permits run through the City of Grand Junction or Mesa County, depending on the address.

The exit

Who buys your finished Grand Junction deal

The finished house sells to a hospital or university employee, an energy or trades worker, or a retiree or remote worker coming from the Front Range for a lower price. They want central air for hot summers, a solid foundation report and a yard. Rents are steady with the student and medical workforce, so a DSCR refinance on a long-term lease is a practical hold.

After you apply

Your whole loan, in one portal

Apply once and the whole Grand Junction 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 Grand Junction

Fix & Flip

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

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 Grand Junction

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

Downtown and the core neighborhoods (81501)Orchard Mesa (81503)The Redlands (81507)Clifton and Fruitvale (81504)North Grand Junction and Patterson Road (81505 / 81506)
Process

From deal to funded

01

Send the deal

Address, purchase price, rehab budget and your ARV. About five 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

Grand Junction hard money FAQ

Do you lend hard money in Grand Junction?
Yes. Capital Kings is a broker, not a direct lender, so we shop your Grand Junction 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 Grand Junction?
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 Grand Junction hard money loan close?
As little as 72 hours. Most Grand Junction 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 Grand Junction flip?
The worked example on this page is a $285,000 Grand Junction purchase with a $55,000 rehab and a $460,000 after repair value at 730 credit, first flip: $42,750 down (15% of the purchase) and $58,241 total cash to close, with $87,196 of proof of funds to show the lender. The lowest down payment for a first flip in Grand Junction 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 Grand Junction?
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 Grand Junction fix and flip loan?
The lowest credit floor among the Grand Junction 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 Grand Junction flip into a rental loan?
Yes. That is the BRRRR exit, and it is the most common way a Grand Junction 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 get a DSCR mortgage in Grand Junction, CO?
Yes. A DSCR loan qualifies a Grand Junction rental on its rent against the payment, taxes, insurance and dues, with no personal income documents. Rentals near Colorado Mesa University and the hospitals tend to lease quickly; size the loan on a 12 month lease.
Should I worry about the foundation on a Grand Junction flip?
Check it on every house. Expansive and settling soils are common across the Grand Valley. Have a structural engineer look before you close, put any repair in the rehab budget so the draws cover it, and give the buyer the engineer’s letter at resale. In Colorado a first flip can be priced at 15% down with 700+ credit (from 8.99%), 12.5% down with 700+ credit (from 9.75%) or 10% down with 660+ credit (from 9.99%).
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 Grand Junction deal →
Keep reading

Before you sign anything

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 →
Cash Needed
Cash to close on a flip: the number most investors miss
Read article →
Hard money in Denver →Hard money in Colorado Springs →All Colorado coverage →

More Colorado city guides

Aurora →Boulder →Fort Collins →Pueblo →

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