Hard money lenders in Colorado fund on the asset, not the borrower’s tax return — fast, short-term, business-purpose capital for acquisitions that conventional lenders can’t move on in time. Colorado investors use it for auctions, estates, BRRRR starts, and bridge situations across Colorado Springs and Denver.
What Colorado investors use hard money for
- Distressed / non-warrantable assets a conventional lender will not touch
- Auction and trustee-sale buys — close on the courthouse timeline, not a 45-day bank clock
- Estate and probate acquisitions in Colorado Springs that need certainty of funds
- BRRRR starts — acquire and rehab, then exit to Colorado DSCR
Why speed matters here: Colorado foreclosure is non-judicial — public-trustee foreclosure is unique to Colorado and relatively quick. Cash-like certainty wins these deals against slower conventional offers.
Colorado hard money terms (2026)
| Term | Colorado range |
|---|---|
| Leverage | Up to ~90% of purchase + rehab, capped to ARV |
| Rate | Interest-only, ~10%–13% + points |
| Term | 6–18 months |
| Close | As fast as 7–14 days |
| Basis | Asset-based; $385,000 – $575,000 typical ARV |
Colorado metros we fund
| Metro | Typical basis | Rent band | On-the-ground notes |
|---|---|---|---|
| Colorado Springs | $370K–$510K | $1,800–$2,400 | military demand from multiple installations |
| Denver | $430K–$620K | $2,000–$2,800 | WUI insurance quotes confirmed pre-close |
Colorado levies state income tax (flat 4.4%); structure the hold or flip exit with that in mind.
Diligence before you fund in Colorado
Colorado carries specific physical-risk lines you must price before close:
- Wildfire/WUI on foothill and mountain acquisitions
- Hail damage on the Front Range
What we need to issue a Colorado term sheet
- Proof of funds for down payment and reserves
- Purchase contract or auction confirmation
- A credible exit — resale comps or projected rent
- Comps or a desktop valuation toward ARV
- Scope of work and rehab budget
Bring those and a Colorado file can move to term sheet quickly — the asset and the exit do the talking.
Recent Colorado deal
Denver metro SFR rehab funded with wildfire insurance quote confirmed pre-close. The pattern repeats: speed on acquisition, a clean scope, and a defined exit.
Define the exit before you borrow
Hard money is a bridge, not a destination. In Colorado that means one of two exits:
- Resale — finish and sell via fix and flip loans Colorado economics
- Refinance — stabilize and hold with a Colorado DSCR loan
Colorado Division of Banking regulates mortgage entities; verify WUI insurance on foothill acquisitions.
Colorado hard money FAQ
How fast can a Colorado hard money loan close?
With clear title and a workable scope, Colorado deals can fund in roughly 7–14 days — fast enough for Colorado Springs auction and estate deadlines.
What leverage do Colorado hard money lenders offer?
Commonly up to ~90% of purchase plus rehab, capped against ARV (often the $385,000 – $575,000 band in Colorado). Pricing reflects speed and asset risk, not your credit score alone.
What is the exit on a Colorado hard money loan?
Either resale via fix and flip, or refinance into a Colorado DSCR loan on stabilized rent. Define the exit before you fund.
Get Your Colorado Hard Money Quote · (833) 264-7776
Rates, terms and conditions offered only to qualified borrowers and are subject to change at any time without notice. All loans are subject to full underwriting. Jaken Finance Group only finances non-owner occupied investment properties.