Hard Money Lenders Colorado
Get approved in less than 5 minutes with instant term sheet + proof of funds
Fast Colorado Hard Money Loans
Ready to close in less than a week
- Interest rates 9.25 – 11.25%
- Credit score 650+
- Loan-to-Cost Up to 90%
- No income verification
- Get approved online in 5 minutes
- Instant proof of funds letter
- Interest only payments
Looking for fast financing for your next real estate project? Apply online with New Silver and get approved for a hard money loan in 5 minutes.
We offer a range of flexible funding options designed specifically for Colorado real estate investors, backed by a team of experienced professionals. With instant term sheets and financing available in just days, New Silver makes it easy to move quickly on your next deal.
Loan Programs
Fix & Flip
For house flippers hoping to purchase a fixer upper to renovate and resell in Colorado. Interest rates from 9.25 – 11.25%, Loan-To-Cost up to 90%, with loan terms up to up to 18 months. Hard Money Refinance Loans also available.
- Get up to $5,000,000
- Interest rate 9.25 – 11.25%
- Origination fee from 1.25 - 1.75%
- Up to 100% construction
Rent
30-year rental loans for stabilized rental properties. Ideal for investors hoping to acquire an investment property. Interest rates from 5.875, loan-to-purchase price up to 80%. Built for buy and hold investors that purchase rental properties.
- Get up to $3,000,000
- Interest rate 5.875
- Origination fee 0 - 2%
- 30-year fixed rate
Ground Up
Designed for residential builders, our ground up construction loans can finance up to 90% Loan-to-Cost (LTC). Interest Rates from 10.25 to 11.25%
The perfect solution for builders in Colorado that need quick access to capital to fund construction costs.
- Get up to $5,000,000
- Interest rate 10.25 - 11.25%
- Origination fee from 1.5 - 2%
- Up to 18 months
Loan Application Process Overview
This short video will walk you through the application process, show you how to get conditionally approved online in under 5 minutes, see your preliminary term sheet and show you how our easy online platform helps you be more successful.
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Colorado Housing Market Overview
Average Home Value
$561,462
1-Year Home Appreciation
-0.5%
Average
1 Bedroom Rent
$1,589
Average 3 Bedroom Rent
$2,509
High Cost, High Potential: Investing in Colorado Real Estate
Colorado’s housing market commands a premium, with the average home value sitting at $561,462—well above the national average of $367,711. For seasoned investors, this pricing reflects both an obstacle and an opportunity. On one hand, the elevated entry point can deter newer or under-capitalized buyers. On the other, those with strong financial positioning and a strategic approach can capitalize on the state’s long-term appreciation and demographic momentum.
The high acquisition cost means this market isn’t ideal for novices flying blind. Competitive bids, rising insurance costs, and tighter lending standards make it critical to approach deals with solid credit, robust liquidity, and clearly defined exit strategies—whether that’s BRRRR, flipping, or long-term buy-and-hold. In markets like Denver, Boulder, and Fort Collins, appreciation potential remains strong, but underwriting conservatively is essential for success.
Solid Rental Returns In A Premium Market
From a landlord’s perspective, Colorado offers compelling rental income potential. The average rent for a 1-bedroom sits at $1,589, while 3-bedroom units average $2,509—both considerably higher than national averages. These figures open the door to attractive gross rent multipliers, particularly if you’ve secured favorable purchase terms or rehabbed distressed properties.
The key to making rentals work in Colorado is keeping mortgage costs manageable. If you lock in a competitive rate or buy with cash, positive cash flow is achievable—even in high-cost metros. With low vacancy rates and a steady influx of high-income renters, Colorado can be an excellent state for long-term rental investments that appreciate while generating reliable monthly income.
Investing Hot Spots In Colorado
Denver – Urban Growth and High Rental Demand
Denver continues to be a prime location for real estate investors, thanks to its robust economy, diverse job market, and vibrant cultural scene. The city’s population growth fuels demand for housing, making it an ideal market for both long-term rentals and property appreciation. Neighborhoods like Highlands, Washington Park, and Cherry Creek are particularly attractive due to their amenities and strong community appeal. Investors can benefit from Denver’s dynamic market by focusing on properties that cater to young professionals and families seeking urban living with access to parks, restaurants, and public transportation.
Colorado Springs – Affordability Meets Growth
Ranked as the top housing market for 2025 by Realtor.com, Colorado Springs offers a compelling mix of affordability and growth potential. The city’s median home prices are lower than Denver’s, yet it boasts a projected 27.1% increase in existing-home sales, indicating a strong and growing demand. The presence of military installations and a burgeoning tech sector contribute to a stable economy and a steady influx of residents. For investors, this translates to opportunities in both single-family homes and multifamily units, catering to a diverse tenant base.
Fort Collins – College Town Stability and Appreciation
Home to Colorado State University, Fort Collins presents a stable investment environment with consistent rental demand. The city’s economy benefits from a combination of education, technology, and manufacturing sectors, contributing to its resilience and growth. Investors can capitalize on the student population by focusing on properties suitable for student housing, while also appealing to young professionals and families attracted to the city’s quality of life. Fort Collins’ limited housing inventory and strong community planning make it a market where well-located properties are likely to appreciate over time.
Colorado Real Estate Investor Associations
- Colorado Association of Real Estate Investors-South Aurora (CAREI)
- Colorado Springs Association of Real Estate Investors
- Investment Community of The Rockies
- Investors Realty Resource (IRR)
Resources Used In This Post:
Zillow – Colorado Home Values | Apartments.com – Colorado Rent Trends | Realtor.com – Top Housing Markets for 2025 | Fortune – Best Places to Buy a Home in 2025 | New Silver – Investing in Colorado Real Estate
Reasons to Fund Your Investment Property with New Silver
It doesn’t matter if you are a buy and hold investor or a house flipping specialist. New Silver is a hard money lender with a selection of real estate loans perfectly matched to meet your real estate investment needs. Unlike a conventional mortgage which can take ages to complete, New Silver’s private money loans can be approved online in less than 5 minutes, with an instant proof of funds letter to help you secure the purchase. We are ready to help you solve your real estate investment needs with a fast closing hard money loan. New Silver also provides also supplies Instant Proof of Funds and an Instant Term Sheet with each hard money loan issued to our borrowers.
Frequently Asked Questions
Yes. New Silver is both a hard money lender and private money lender specializing in asset-based financing for real estate investors across the U.S. This makes us an excellent option for investors who need quick access to capital – with instant term sheets, competitive rates, and, most importantly, fast closings that typically happen within 5 to 7 business days.
New Silver offers a variety of loan terms to suit different real estate investing strategies in Colorado, including:
- Short-term fix and flip loans with durations typically between up to 18 months.
- 30 rental property loans for long-term investment stability.
- Construction loans structured around your development timeline, typically 18 months.
These terms allow real estate investors to match financing to their strategy—whether that’s a quick resale or long-term cash flow.
New Silver provides ground-up construction loans for real estate investors and developers building Residential 1-4 units, condos, townhomes in Colorado. We fund projects up to $5,000,000, with terms tailored to construction timelines. These loans are ideal for single-family residential builds that need reliable capital from start to finish.
New Silver offers short-term bridge financing through our fix and flip loan program. These loans have terms of up to 18 months and are ideal for real estate investors who need immediate funding to purchase and improve properties before resale.
Interest rates on hard money loans are higher than traditional mortgages because of the increased risk and speed involved. These loans are used for investment properties that need renovation, quick closing timelines, or flexible qualification—situations traditional lenders usually avoid.
Hard money loans are asset-based, meaning the property’s value drives the approval and serves as collateral for the loan. Since they’re short-term and fund riskier projects, the higher interest compensates for that risk. In return, investors gain access to fast, flexible capital that can help them act on time-sensitive opportunities and scale their portfolio faster.
Origination fees for New Silver loans typically range between 1.25 - 1.75%. Monthly payments on short-term loans are interest-only, reducing cash flow strain during renovations. For an accurate estimate, we recommend using our Hard Money Loan Calculator to preview fees and monthly costs.
Credit scores are part of our evaluation process, but they’re not the primary factor. Unlike traditional lenders, New Silver focuses on the asset and overall deal strength. A lower credit score may still qualify if the investment opportunity is strong.
New Silver offers a range of loan products designed for real estate investors in Colorado, including:
- Fix and Flip Loans
- 30-Year Rental Property Loans
- Ground-Up Construction Loans
- Commercial Real Estate Loans
Each product is tailored for specific investment strategies, whether you’re renovating, holding, or building.
Yes, New Silver offers Commercial Real Estate (CRE) loans designed specifically for experienced investors seeking short-term financing for CRE. Our CRE program provides fast, flexible funding for a wide range of property types, including:
- Multifamily (5+ units)
- Office
- Mixed-Use
- Industrial
- Senior Housing
To learn more and apply please click here
We offer a DSCR-based 30-year rental property loan.This loan qualifies largely based on the income generated by the investment property, with a minimum DSCR requirement of 0.75. It’s ideal for buy-and-hold investors who want long-term financing in Colorado.
Where We Lend
Hard Money Loans Across The US
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Washington DC
- West Virginia
- Wisconsin
- Wyoming
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