HARD MONEY LENDER COLORADO

Yes, Loan Goat funds investor real estate across Colorado, including Denver, Aurora, Colorado Springs, Fort Collins, Boulder, Lakewood, Arvada, Westminster, Thornton, Centennial and Pueblo. We are a direct private lender headquartered in San Diego with in-house capital and no loan committee anywhere in the process. Bridge, fix and flip, construction, DSCR rental and commercial are all live in the state. Call (619) 617-2797 for terms.

Denver renovation and scrape projects usually start as a bridge loan, which closes in five to seven days and converts into construction draws once plans are ready. We underwrite the property and the exit rather than your tax returns, so a tight inspection period stays workable. Send the address, the scope, the budget and the after-repair value you are targeting, and terms follow.

Mountain short-term rentals are business-purpose property and fit our rental property DSCR program, where the asset carries the underwriting. A tired cabin needing a full refresh before anyone can list it starts on a bridge loan, then refinances into the rental loan. That pairing is the standard route for high country property west of Denver and Boulder.

Larimer County student rentals underwrite as rental property, and DSCR financing works cleanly because the leases support the loan. Bridge money handles the purchase and the turn when a house needs work before the fall cycle. The same approach suits Boulder rentals serving the University of Colorado, where inventory is tight and a closing has to happen quickly or not at all.

Bridge money runs from 9.00% to 13.00% and moves with leverage, property type, exit and experience. Rental loans price lower because the property carries the debt, from 6.50% on the Non-QM tier. Every quote is written before an appraisal is ordered, so you are never chasing a number that changes at the closing table.

Credit is reviewed, but the property carries the decision. These are business-purpose loans on non-owner-occupied real estate, underwritten to value, exit and the strength of the deal. Investors turned down by a bank for self-employment, a recent event on file or thin documentation are routine business here.

Five to seven days is the standard, and low-doc bridge deals have closed in as little as three. Speed comes from the structure, not from cutting corners: in-house capital, one decision maker and minimal documentation. Title and escrow set the floor, so the sooner those are opened, the sooner the wire moves.

No prepayment penalty on the bridge programs. Pay the loan off the day the flip sells or the refinance funds and you owe interest for the days you used the money. That matters when the whole plan is to be in and out inside a year.