Fix and Flip Loans – rates from 8%

Below are our fix and flip loan guidelines for property located in Denver and surrounding areas.



  • Loan SizeSod Roof House

    $150,000 to $800,000.

  • Property Location

    We focus on fix and flip loans secured by property located in Denver or along the Front Range of Colorado, from Fort Collins to Colorado Springs. (See FAQ below.)

  • LTV (Loan to Value)

    Our loan amount will generally be no more than 65% of the ARV (After Repair Value).

  • Loan Term

    We're flexible.  Pick your maturity date, 3,6 or 12 months.

  • Interest Rate

    Our interest rate can be as low as 8%, depending on the property to be rehabbed, the location, the LTV, maturity date and the borrower. Borrower makes monthly,interest-only payments.

  • Prepayment Penalty

    None.  You may prepay loans from us at any time, without penalty.

  • Origination Fee (Points)

    Origination fee is typically 2 points (6-month term).  This fee is dependent on the borrower, property, location, loan term, etc.

  • Application FeeNo Hidden Fees


  • Appraisal Fee


  • Inspection Fee


  • Experience

    Some experience with fix and flip property is required unless the borrower is a real estate agent, contractor, architect or has other applicable real estate related experience.  .

  • Timing

    We have funded fix & flip loans as quickly as 2 days from the time we received the request.  Two weeks is generally more than enough time to gather the information needed, inspect the property and schedule a closing with a title company.




  1. Will you lend 100% of the acquisition price plus rehab costs?

    Yes, provided you can further secure the loan with sufficient equity in another piece of real estate. Our borrowers must have some "skin in the game."

  2. Will you make fix and flip loans on property not located along the Front Range?

    Yes.  We will consider making loans anywhere in Colorado.  However, depending on the location, you may incur additional expenses, including, but not limited to, an inspection fee and an appraisal fee.

  3. Can I qualify for a loan if my credit history doesn't look stellar?

    Yes.  While we will pull your credit report and examine additional financial information, our decision to make the loan will be based primarily on an inspection of the property itself, your rehab plans and our opinion of the value of the property following rehab.  We understand that bad things can happen to good people.

  4. Will you extend my loan if I reach the maturity date and have been unable to get the property sold?

    Most likely, yes, provided you have made your payments on time, are not in default on any other loan provisions and the project fundamentals are substantially the same as those at the time the loan was originated.  Our loan documents contain an extension provision.