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Colorado Springs Hard Money and Investor Loans

The county line decides whether your short-term rental needs a permit at all.

USA Mortgage funds investors across Colorado Springs. Rents are climbing here while home values drift down. School district tax rates vary widely across neighborhoods. Loans are business-purpose only, subject to underwriting.

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You hear the decision from the people who underwrote your deal.

One county line, two different rulebooks

The City of Colorado Springs requires a permit for every short-term rental and bars new non-owner-occupied listings in single-family zones, while unincorporated El Paso County, Colorado has stated it has no codified short-term rental ordinance at all. The same strategy can be off the table inside the city and open a few miles outside it, so the jurisdiction matters as much as the property.

The school district decides the tax bill, not the city

County and city levies together sit under 10 mills, but the school district layered on top ranges from about 29.8 mills to about 57.7 mills depending on where the parcel sits, and newer subdivisions can carry an additional metro district levy on top of that. Pull the parcel's own mill levy before underwriting a deal here.

A federally funded tenant base with a published rent floor

Fort Carson alone houses close to 90,000 people including families, with the large majority living off-post, and four more installations sit in the same metro. Military housing allowances are published a year ahead and reset annually, which gives a rental deal here a rent floor that is set by the federal government rather than the local market alone.

Loan programs in Colorado Springs

Acquisition through exit, all funded or arranged by one lender.

Fix and Flip in Colorado SpringsRental / DSCR in Colorado SpringsGround-Up Construction in Colorado SpringsCRE Bridge in Colorado SpringsTransactional Funding in Colorado SpringsBank Statement / No-Doc in Colorado SpringsConventional Investment in Colorado SpringsPortfolio Loans in Colorado SpringsCRE Permanent in Colorado SpringsSBA Financing in Colorado Springs

Colorado Springs lending questions

Do you lend across the whole Colorado Springs metro, not just the city?
Yes, across Colorado Springs and the surrounding metro. We fund deals in Colorado Springs, Fountain, Security-Widefield, Monument, Peyton, Manitou Springs, Woodland Park, and Palmer Lake. All eight sit in El Paso County, Colorado except Woodland Park, which is in Teller County, Colorado. USA Mortgage is headquartered in Bee Cave, Texas, and funds deals in most states with our own capital. Every loan is business-purpose only, on investment property, and terms are subject to underwriting. See how we lend across Colorado or talk to us.
Why do two houses a few miles apart in El Paso County, Colorado carry such different tax bills?
Because the school district, not the city or county, is most of the bill. El Paso County, Colorado and the City of Colorado Springs together levy under 10 mills, while the school district layered on top swings from about 29.8 mills in Fountain/Fort Carson District 8 to about 57.7 mills in Widefield District 3, a gap of nearly 28 mills. A newer subdivision east of Powers Boulevard can also sit inside a metro district that adds its own debt-service and operating mills on top of that stack. Pull the parcel's actual mill levy from the El Paso County, Colorado Treasurer before you underwrite, not a metro average. Talk to your CPA or tax advisor about your own position. See the DSCR program. Subject to underwriting.
Can I run a short-term rental in Colorado Springs?
It depends on which side of the jurisdictional line the parcel sits on. Inside the City of Colorado Springs, every short-term rental needs an annual permit, the permit is owner-specific and does not transfer at closing, and non-owner-occupied applications submitted after December 26, 2019 are not permitted in single-family zoning districts. In unincorporated El Paso County, Colorado, the County has stated it has no codified short-term rental ordinance and no specific permit requirement for renting the principal structure, though zoning approval is required to use an accessory structure as a rental. Manitou Springs and Woodland Park are separate municipalities with their own rules that were not confirmed in our research; check with each city directly. See the fix and flip program. Subject to underwriting.
Does Colorado Springs make me register my rental property with the city?
No citywide long-term rental registration or licensing ordinance for Colorado Springs was located in our research. That has not been confirmed against the city code directly. Secondary sources state that leases of 30 days or more need no city registration, which stands in contrast to Denver and Boulder, both of which run mandatory residential rental licensing with inspections. Verify current requirements with the City of Colorado Springs Planning and Development office before you close. See the DSCR program. Subject to underwriting.
What should I know about the Space Command headquarters move before I underwrite a Colorado Springs deal?
The headquarters relocation to Huntsville is real and underway, but the command's Joint Operations Center stays in Colorado Springs. That runs on a phased schedule to the early 2030s. More than 100 personnel were working permanently at the Huntsville site as of mid-2026, headquarters staffing overall is roughly 1,700 to 1,800 people, and only a small share has moved so far. The metro's military footprint is far larger than the headquarters staff alone: the regional economic development corporation counts roughly 45,000 active-duty, Guard, and Reserve personnel plus about 15,000 federal civilians across five installations, anchored by Fort Carson, which is not relocating. Underwrite the move as one line item in a large, durable federal tenant base, not as a market-moving event. Subject to underwriting.
What credit score do I need to borrow in Colorado Springs?
It depends on the program, and on several there is no minimum at all. Our asset-based loans, fix and flip, bridge and ground-up construction, carry no minimum score. We run credit, but it weighs far less than at a bank, and a weaker file is usually met with lower leverage rather than a decline. DSCR and bank statement start at 640, conventional investment at 580, and transactional funding runs no credit check at all. There is no hard credit pull to start. Subject to underwriting.
How much do I need to put down on a Colorado Springs investment property?
Anywhere from nothing to 30%, depending on the program. Fix and flip funds up to 90% of purchase and up to 100% of rehab, so you bring roughly 10% plus closing costs. DSCR goes up to 80% LTV: on a $450,000 Colorado Springs purchase that is $360,000 from us and $90,000 from you (450,000 x 80% = 360,000). Ground-up construction runs to 70% LTV and 85% of cost, and transactional funding covers up to 100% of the A-to-B purchase. Subject to underwriting.
Is there a minimum loan size for a Colorado Springs investment loan?
$100K on most programs. Fix and flip, DSCR and bank statement all start at $100K. SBA placements start at $350K and portfolio loans at $500K across five or more properties. Colorado Springs values clear those floors comfortably, with typical values at $450,254 in June 2026 and the lower-basis gate communities in the $380,000s. Subject to underwriting.
Serving Colorado Springs and nearby
Colorado SpringsFountainSecurity-WidefieldMonumentPeytonManitou SpringsWoodland ParkPalmer Lake
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About the local figures on this page

Local rules move. Every tax rate, fee, ordinance and market figure here comes from a primary source and carries the date we read it, and we correct them as the rules change. Where a number is mid-change or we could not verify it, we say so rather than guess. Before you commit a budget, confirm anything that drives it with the city or county, and talk to your attorney or CPA on questions of law or tax.

Published by USA Mortgage Funding, LLC, NMLS #152588. Researched from primary sources by our team, drafted with AI assistance, and every figure checked against its source before publishing. Where an answer rests on a public record, that record is linked under it. Figures read on 2026-08-15.

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