Fix and Flip Loans in Colorado
Fund the purchase and the rehab on one loan, qualify on the deal — not your tax returns, and close fast. Direct lender.
- Up to 90% Purchase + 100% Rehab
- No Minimum Credit Score
- Close Fast
- Direct Lender Since 2016
AAPL Member · Direct Lender Since 2016 · NMLS #1979189
This page was written and reviewed by Ndukwe Kalu, who works on fix and flip loans at Tidal Loans daily. Terms are checked against our current underwriting guidelines; last reviewed October 2026.
Colorado is one of the strongest appreciation markets in the country, and that makes it a powerful flip market — high values across Denver and the Front Range mean strong margins for investors who can buy, renovate, and resell quickly. There’s no shortage of deals; the hard part is funding them fast enough to win in such a competitive market. Fix and flip loans in Colorado from Tidal Loans solve that: short-term, asset-based financing that funds the purchase and the rehab based on the property’s after-repair value, not your tax returns. We’ve financed Colorado investors as a direct lender since 2016, and we lend our own capital, so we move at the pace the market demands.
A fix and flip loan is a form of hard money — the property is the collateral, and we underwrite the deal rather than your personal finances. Instead of scrutinizing your credit score, we focus on what the property will be worth after repairs. That asset-based approach is what lets us move fast, which is exactly what Colorado’s fast market demands.
How Much of a Colorado Fix and Flip Can You Finance?
On qualifying deals we fund up to 90% of the purchase price and 100% of the rehab, not to exceed 75% of the after-repair value. Both limits apply and the more conservative one governs. Loan amounts run from $75,000 to $5,000,000, and the property is the collateral — we underwrite the deal, not your tax returns.
On qualifying Colorado deals, we can fund up to 90% of the purchase price and 100% of the rehab cost, and our CLTV structures, available upon exception, let a seller or another private lender carry the remaining equity as a second note — so the cash you bring to closing can come down to little more than your closing costs. We size the loan against the property’s after-repair value, typically keeping your total purchase-plus-rehab not to exceed 75% of ARV. That cushion protects your profit margin and our position if the market shifts. We walk through the full ARV math and a worked deal example on our fix and flip hub, and you can model any Colorado deal with our fix and flip profit calculator.
To be clear on credit: we’re a property-first lender.We do review credit, but a blemish that would sink a bank application often won’t stop a deal here.
Fix and Flip Lending Across Colorado's Major Markets
We fund Colorado flips statewide, and Denver is our busiest market, with high values and strong buyer demand that support real margins. Colorado Springs offers growth at a lower entry price than Denver. Aurora, Fort Collins and the rest of the Front Range round out the markets where we regularly fund purchase and rehab.
Denver
Denver is the heart of Colorado’s flip market and one of our busiest markets, with high values and strong buyer demand that create real flip margins. Our Denver fix and flip loans fund the purchase and rehab so you can renovate and resell, or stabilize and refinance into a rental — across the metro’s many neighborhoods.
Colorado Springs
Colorado Springs offers strong growth at a more affordable entry point than Denver, making it a favorite flip market. Our Colorado Springs fix and flip financing funds quick acquisitions and renovations across the metro.
Aurora, Fort Collins & the Front Range
The broader Front Range — Aurora, Fort Collins, Boulder, Loveland, and Pueblo — adds steady demand for flips and renovations. Our financing covers these markets and the surrounding submarkets statewide.
How Does the BRRRR Strategy Work in Colorado?
Buy and renovate with a short-term loan, place a tenant, then refinance into a long-term DSCR loan and pull your capital back out for the next deal. We fund both halves. There is no seasoning requirement on a cash-out refinance once the property has been renovated — we use current value.
Not every Colorado project ends in a sale. Many of our investors run the BRRRR method — buy, rehab, rent, refinance, repeat. We fund the purchase and rehab, you place a tenant, and instead of selling you refinance into a long-term Colorado DSCR loan that qualifies on the rent, then pull your capital back out through a cash-out refinance. You recycle that capital into the next deal and do it again. In an appreciation market like Denver, the value you create through renovation makes the refinance especially powerful. If your project needs to bridge a timing gap before permanent financing, our Colorado bridge loans cover that too.
What Are the Terms on a Colorado Fix and Flip Loan?
Short-term financing on investment property only, from $75,000 to $5,000,000, sized to the lesser of the cost-based limit and 75% of the after-repair value. No minimum credit score: we review credit, and your score prices the deal rather than deciding it.
Loan Details
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Frequently Asked Questions
ARV is the after-repair value — what the property will be worth once your renovation is complete, backed by comparable sales and an appraisal. We size your loan against it, typically keeping your total purchase-plus-rehab not to exceed 75% of ARV. The stronger the spread between your total cost and the ARV, the more leverage we can offer — which matters in a higher-value market like Colorado.
There’s no hard cutoff, because the property carries most of the underwriting weight. We do review credit, and a stronger score improves your terms, but a blemish that would stop a Colorado bank often won’t stop a fix and flip deal with us. We focus on the deal’s margin and your plan, which is why investors with credit challenges still get funded.
We close fast, and can close in days when the deal requires it. Because we underwrite the property rather than your income, there’s far less paperwork than a conventional loan, no tax returns to dig up, and no slow committee. In a fast market like Denver, that speed is frequently what wins the deal over a buyer waiting on bank financing.
Yes. Many Colorado investors buy and renovate with a fix and flip loan, then keep the property as a rental — long-term or short-term — by refinancing into a DSCR loan that qualifies on the rent. That’s the BRRRR strategy, and it’s especially powerful in Colorado’s strong appreciation and vacation-rental markets.
We lend statewide. Denver is our highest-volume Colorado market, but we actively fund fix and flip loans in Colorado Springs, Aurora, Fort Collins, Boulder, Pueblo, and the surrounding areas. Each market has its own ARVs and renovation costs, and we structure each loan to fit the property and the local market.
Ready to fund your Colorado deal?
Get a fast quote from a direct lender — or call and walk it through with us.