Fix & Flip Loans in Colorado
Colorado fix-and-flip activity centers on Denver metro (Adams, Arapahoe, Jefferson, Douglas counties) and Colorado Springs. CO is a non-judicial deed-of-trust state with a 110-125 day foreclosure timeline. Strong appreciation in 2020-22 has slowed, compressing flip margins; mid-tier neighborhoods still healthy.
Top Colorado markets for fix & flip
- Denver Metro: Largest CO flip market; mid-tier neighborhoods strongest.
- Colorado Springs: Lower entry; healthy investor flip volume.
- Pueblo: Lower-priced market; smaller flip community.
Colorado quick facts
- •Non-judicial foreclosure 110-125 days
- •No state-level GC license
- •Public trustee handles sales
- •Property tax around 0.5% (very low)
Active programs available in Colorado
Bridge Loan for Investors
confirmed 5/9/2026Bridge refinance program for 1-4 unit, multi-family, and mixed-use properties allowing cash out of the entire budget on day one.
Bridge Loan for Investors
confirmed 5/9/2026Bridge loan program for rural properties up to 10 acres with loan amounts up to $10MM.
Fix & Flip Loan for Investors
confirmed 5/9/2026A residential transition loan program designed for real estate investors to finance property renovations and flips on non-owner-occupied properties.
Bridge Loan for Investors
confirmed 5/9/2026A streamlined short-term bridge loan program for non-owner-occupied investment properties, offering interest-only payments and no income documentation requirements for entity-based borrowers.
Bridge Loan for Investors
confirmed 5/10/2026Bridge loan program requiring no income verification or prior experience, with loan amounts up to $3MM.
Bridge Loan for Investors
confirmed 5/9/2026Bridge loan for multi-family and mixed-use properties with loan amounts up to $5MM.
Fix & Flip Loan for Investors
confirmed 5/9/2026Financing for experienced investors and developers focused on fix-and-flip projects with fast closing timelines.
Colorado Fix & Flip FAQs
CO foreclosure timeline?
Non-judicial via deed of trust. NED (notice of election and demand) plus 110-125 days to sale. CO public trustee handles the sale.
CO contractor licensing for flips?
Colorado does not license general contractors at the state level. Local jurisdictions (Denver, Colorado Springs) have city contractor registration requirements. Most flip lenders require licensed GC documentation on rehab.
General fix & flip questions
How is the loan amount calculated?
Two caps apply at the same time: a percentage of purchase price (often 85–90%) plus 100% of rehab budget, AND a percentage of the as-completed value (ARV), typically 70–75%. The lower of the two caps governs.
Do I need experience to get a fix and flip loan?
No, but pricing improves with experience. Most lenders tier rates by completed flips in the last 24–36 months: 0 flips, 1–2, 3–5, 6–10, 10+. First-time flippers with a strong contractor and reserves can still qualify.
How are rehab funds disbursed?
Rehab is held in escrow and released through a draw process — typically 3–6 draws based on completion of scoped line items, with an inspector verifying each draw.
Got a Colorado fix & flip scenario?
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