Colorado · Short-term rehab · 1–4 unit
Direct fix and flip financing from a Colorado lender’s desk — Denver, Colorado Springs, Aurora, and Fort Collins. $100K to $5M per asset, up to 92.5% of project cost, 100% of the rehab budget, weekly draws, no application fee, no prepayment penalty. Underwritten in-house and wired through a Colorado title company on a clean file inside two business days.
A Park Hill acquisition, an Aurora full-gut, a Colorado Springs BRRRR. The numbers below are how we wrote them.
Colorado · Q3 2025
Why Colorado investors use PML
A conventional Colorado mortgage takes 30 to 45 days, asks for two years of W-2s, and reprices halfway through. None of that matches how a Colorado flip clears at auction or on the MLS. Hard money exists because investor deals close in days, not months — and because the asset itself, post-rehab, is the collateral that matters.
County trustee or court foreclosure calendars across Colorado clear on a posted schedule, and the REcolorado turns over the sharpest off-market inventory inside 48 hours. PML issues a binding term sheet within four business hours and wires a clean Colorado file in 48 hours. The faster you can credibly close, the deeper the discount you can negotiate on a Park Hill acquisition or a Denver value-add.
Colorado flips concentrate in the $425,000 to $725,000 ARV band — the cosmetic three-twos and full-gut projects that occupy Park Hill, Sloan's Lake, Old North End, Mission Viejo. At 92.5% LTC and 100% rehab funding, a single experienced Colorado flipper can run four to six concurrent projects on the equity that a bank loan would tie up in one. The math on annual return on equity favors the leveraged operator on every realistic scenario.
PML underwrites the property’s as-repaired value, your Schedule of Values, and your sponsor track record. We do not need W-2s, Colorado state returns, or DTI calculations. That makes PML the right tool for self-employed Colorado operators, anyone running income through a Colorado LLC or S-corp, and any sponsor with a complex K-1 stack from prior closings.
Colorado fix and flip terms
Same rate sheet as every other state in our book. PML underwrites on the as-repaired value, not the purchase price alone. Leverage scales with sponsor track record, market, and deal quality — and every term below moves on a published rate sheet.
Colorado market, by the numbers
Three data points from current public reporting that shape how PML prices and sizes Colorado fix and flip loans. We update internally each quarter; the figures below were current as of the most recent published cycles.
Three deals we’d write in Colorado
Three illustrative deal profiles drawn from common configurations across our Colorado book. Real closings vary; these are anchor points for the math, not solicitations.
Denver County, Denver · 1940s 3/2 SFR
Arapahoe County, Aurora · 1970s 4/2 SFR
El Paso County, Colorado Springs · 4-unit value-add
Illustrative only. Representative of typical configurations across our Colorado book — not specific recent closings. See recent loans →
How PML closes in Colorado
The same five-step flow we run on every state, with three Colorado-specific lines. Submitted Monday on a clean file, wired by Friday.
Drop in the Colorado property address, your Schedule of Values, and a draft purchase contract. No application fee and no soft credit pull at this stage.
~5 minutesA PML underwriter — not a salesperson — replies with a real Colorado rate, leverage, and a binding term sheet. Soft credit inquiry runs only after you accept.
~4 hoursTitle routes through a licensed Colorado title company in the subject county. Colorado does not require a separate state lender license for business-purpose loans on 1 to 4 unit non-owner-occupied investment property; the entity-borrower structure is what keeps the loan out of consumer-mortgage territory. Subject-to-completion appraisal runs in parallel.
~2 daysColorado closings happen at a licensed title company. The same in-house team that quoted the deal also issues the closing docs — no table-funding, no last-minute repricing, no fee changes between term sheet and HUD.
~1 dayFunds wire at close. The Denver County e-recording system normally posts a deed and deed of trust the same business day they are submitted. Other major Colorado metros (Colorado Springs, Aurora and Fort Collins) run similarly fast on e-recording. PML wires loan proceeds the day of close; the lien recording happens in parallel. Weekly draws begin on receipt of the first paid invoices.
Same day, then weeklyColorado fix and flip FAQ
Specific to Colorado. For broader hard money questions — FICO floors, BRRRR strategy, the 70% rule, application flow — see the 70% rule explainer, the BRRRR mechanics breakdown, or the full FAQ.
Submit a Colorado property and an underwriter replies with a real rate within four business hours. No application fee, no soft pull until you accept. Underwritten in-house, wired through a Colorado title company.
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