Broker, not a lenderHard Money Lenders inPueblo, Colorado
Fix and flip, bridge and purchase only, DSCR rental and new construction financing for Pueblo 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.
Prefer to talk it through? Call or text Micah at (281) 636-5682.
What you get working with us
Price a Pueblo deal right now
Prefilled with a realistic Pueblo deal. Change any number and it reprices instantly on the lanes licensed in Colorado, using the same engine behind our term sheets.
Financing a deal in Pueblo
Pueblo is a steel and rail city on the Arkansas River, and it is the most affordable large market on the Front Range. That makes it a natural place for a first flip. The housing stock is old: brick bungalows and miners’ cottages in Bessemer near the mill, Victorians and foursquares on the North Side, and post-war ranches in Belmont and on the south side. A lot of buyers here work at the hospitals, the mill, the university or commute north to Colorado Springs.
In Pueblo the age of the house is the deal. A Bessemer or Mesa Junction bungalow can be a century old, and the surprises are in the walls and under the yard: knob and tube wiring, galvanized pipe, a clay sewer line and lead paint that needs certified work if kids could live there. Low purchase prices make the numbers look easy, so scope the systems before you set the offer. The flips that go wrong here are the ones bought on cosmetics.
What a Pueblo deal looks like on paper
Pueblo example: $150,000 purchase, $45,000 rehab, $270,000 after repair value, 730 credit, first flip. The engine puts that borrower on the Best Rate program at 9.49%. Picture an early 1900s brick bungalow in Mesa Junction: roof, a sewer lateral, rewiring, lead-safe paint work, a kitchen and a bath. Every number below is what the instant term sheet prints for that deal, so the picture cannot contradict the page.
- Down payment (15% of the purchase)You$22,500
- Origination (0.5%)Lender$2,000
- Lender fees (flat)Lender$1,989
- Broker fee (1%)Broker$2,000
- Title and closing (estimate at Texas rates)Title$3,188
- Prepaid interest (15 days)Lender$673
- Property insuranceInsurer$1,853
- AppraisalAppraiser$550
Interest while you rehab: $1,008 a month on the $127,500 funded at closing, $1,364 once every draw is out. Proof of funds is cash to close plus $13,500 of rehab reserve and $8,185 of interest reserve. Sample borrower, sample address; the sheet is issued by the same engine as the borrower’s instant term sheet.
What we can fund in Pueblo
| Program | Down payment | Min credit | Experience | Rate | Origination | Max loan | Term | Close |
|---|---|---|---|---|---|---|---|---|
| Best Rate | 15% | 700+ | First flip OK | 8.99% to 9.49% | 0.5% | 70% of ARV | 12 months | 5-14 days |
| New Investor Program | 12.5% | 700+ | First flip OK | 9.75% | 1% | 75% of ARV | 12 months | 72 hours |
| First Flip, 10% Down1 | 10% | 660+ | First flip OK | 9.99% | 2% | 75% of ARV | 12 months | 21-30 days |
| 7.5% Down, 3+ Flips2 | 7.5% | 660+ | 3+ completed flips | 9.99% | 1.5% | 75% of ARV | 12 months | 21-30 days |
| 5% Down, 3+ Flips3 | 5% | 600+ | 3+ completed flips | 12.00% | 2% | 75% of ARV | 12 months | 7-14 days |
| 5% Down, 5+ Flips4 | 5% | 660+ | 5+ completed flips | 9.99% to 10.99% | 2% | 75% of ARV | 9-24 months | 10-14 days |
| 100% Financing, 2+ Flips5 | 0% (100% financing) | 620+ | 2+ completed flips | 9.50% to 12.00% | 2.5% | 70% of ARV | 9 months | 7-14 days |
- 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.
- 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.
- Rate from 12%, set per file. Origination steps down with experience: 1.5% at 5+ deals, 1% at 8+.
- Rate is set per file from 9.99%; origination about 2% plus a $995 processing fee.
- 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.
Where Pueblo prices sit right now
Before we price a Pueblo 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 Pueblo median sale price at $261K for the three months ending September 2026, down 0.7% from a year earlier, with homes selling after about 62 days on the market.
| Median sale price, Pueblo (Redfin, 3 months to Sep 2026) | $261K |
| Days on market, Pueblo (Redfin) | 62 |
| Year over year change in median (Redfin) | -0.7% |
Sources: Redfin, Pueblo housing market
How a Pueblo file actually gets priced
Pueblo appraisals stay inside the neighborhood, and the spread between blocks is wide. A restored North Side Victorian and a Bessemer cottage are different markets, and Pueblo West, which is its own community west of the city, is not a comp for an in-town house. We use closed sales from the same area within about three months and look at how long they sat, because days on market here runs longer than in Denver and the carry belongs in the plan.
Fountain Creek and the Arkansas River carry floodplains through the east and central parts of town, so check the map on any low lot. Older houses near the mill can raise environmental questions with some buyers, and the city’s historic districts on the North Side add review for exterior changes. Hail is routine. Building permits run through the Pueblo Regional Building Department, which covers both the city and the county.
Who buys your finished Pueblo deal
The finished Pueblo flip usually sells to a first-time buyer, often with FHA, VA or a down payment assistance program, which means the house has to pass an appraiser’s condition check on peeling paint, handrails and working systems. Prices here are well under Colorado Springs, so some buyers are commuters doing the math on the drive. If the sale is slow, Pueblo rents against the purchase price are among the better DSCR ratios on the Front Range.
Your whole loan, in one portal
Apply once and the whole Pueblo 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.
What we fund in Pueblo
Fix & Flip
Purchase plus 100% of rehab, released in draws. The core product in Pueblo.
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.
Bridge & Purchase Only
For clean properties that need speed rather than rehab money. Auction buys, off-market deals, and 1031 timing.
New Construction
Ground-up for builders and infill developers, with a draw schedule matched to the build timeline.
Where we lend in Pueblo
We broker deals across the whole Pueblo market. These are the submarkets investors ask us about most:
From deal to funded
Send the deal
Address, purchase price, rehab budget and your ARV. Three minutes, no credit pull.
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.
Real terms back
Rate, origination, leverage and cash to close side by side, so you can compare on total cost.
Close
5-14 days to fund, as little as 72 hours on the fastest programs. We stay on title and the lender through funding.
Pueblo hard money FAQ
Do you lend hard money in Pueblo?
Which fix and flip programs apply in Pueblo?
How fast can a Pueblo hard money loan close?
How much do I need to bring to close on a Pueblo flip?
Do you fund the rehab budget in Pueblo?
What credit score do I need for a Pueblo fix and flip loan?
Can I refinance a Pueblo flip into a rental loan?
Is Pueblo a good place for a first flip in Colorado?
Who handles building permits for a Pueblo flip?
Before you sign anything
Ready to fund your Pueblo deal?
Submit your scenario in under 3 minutes. We shop it and come back with real terms, not a generic rate sheet.