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Program 05
Transactional Funding in Colorado Springs
Same-day transactional funding for Colorado Springs double closings.
For wholesalers and assignment deals, we fund the A-to-B leg so you can close the B-to-C. Short-term transactional capital that bridges the gap and keeps your deal on schedule. Colorado Springs closes through a title company and recording is a flat $43 per document, page count aside. PCS-driven seller motivation across five installations keeps assignable contracts moving. Business-purpose only, and every structure is set in underwriting.
Same-day
funding
100%
of purchase
Days
not weeks
No credit
check
Typical figures, subject to underwriting and market conditions. Not a commitment to lend.
How it works
Funding is typically same-day with flat-fee pricing and no appraisal or credit check, since the loan is repaid from the simultaneous resale. Bring us the closing docs and we handle the rest.
Who it's for
Wholesalers
Assignment and double closes
Back-to-back closings
Time-sensitive resales
Typical terms
UseFunds the A-to-B leg
LeverageUp to 100% of purchase
TermDays, not weeks
PricingFlat fee
UnderwritingNo credit / appraisal
CloseSimultaneous
*Typical terms, subject to underwriting and market conditions.
Local FAQ
Transactional Funding in Colorado Springs, answered.
Do I need a broker's license to wholesale in Colorado Springs?
Not to assign a contract you signed as the buyer. Colorado's definition of a real estate broker carves out any person acting as a principal, on their own behalf, in acquiring or negotiating to acquire an interest in real estate. A wholesaler who contracts to buy a property and then assigns that contract is acting as principal and sits inside this exclusion. What is not exempt is marketing the property itself, rather than the contract, for a fee: that crosses into unlicensed brokerage. There is also no Colorado wholesaler-disclosure statute on the books, despite what some investor sites repeat; none was found on either the 2024, 2025, or 2026 legislative calendars. Talk to a Colorado real estate attorney about how your specific assignment contract is worded before you rely on either point.
What does closing twice in one day actually cost in El Paso County, Colorado?
Less than most double-close markets. Colorado's documentary fee on recording a deed is one cent per hundred dollars of consideration, so a double close pays that rate on both the A-to-B and B-to-C legs, calculated separately on each price. Recording itself is a flat $43 per document since a 2025 fee-schedule change replaced per-page pricing, so a long deed of trust costs the same as a one-page deed. Colorado has no state or local real estate transfer tax beyond the documentary fee in the Colorado Springs metro; the state constitution bars new ones, and none of the pre-1992 grandfathered mountain-town transfer taxes touch El Paso County, Colorado. Title insurance premiums here are filed by each underwriter rather than fixed by the state, so it can pay to shop title between your two closings.
Why is there so much assignable deal flow around Colorado Springs?
Five military installations produce a steady stream of motivated sellers on a schedule the market doesn't set. Permanent change of station orders move soldiers, airmen and Space Force personnel in and out of Fort Carson, Peterson Space Force Base, Schriever Space Force Base, Cheyenne Mountain and the Air Force Academy on federal timelines, not market timelines, and a PCS deadline is a hard one. That produces sellers who need certainty over top dollar, which is the setup a wholesaler is built to work. Fort Carson alone reports 82 percent of its soldiers and families live off-post, more than 57,000 people, so the demand side of that flow is real too. This metro's own PCS-driven double-close volumes were not verified in this research pass; treat the mechanism as sourced and the specific deal count as unconfirmed.
Does it matter whether my Colorado Springs assignment sits inside the city or unincorporated El Paso County, Colorado?
Not for the wholesaling rules, but it matters for what your end buyer can do with the property. The broker-license exclusion and the absence of a wholesaler-disclosure statute apply the same way statewide, city or county. But if your end buyer plans to hold the property as a short-term rental, the jurisdictional line decides everything: a non-owner-occupied short-term rental is off the table in Colorado Springs single-family zoning for applications filed after 2019-12-26, while unincorporated El Paso County, Colorado has no codified short-term rental ordinance at all. If your assignment pitch to a buyer leans on rental upside, know which side of the line the parcel sits on before you write the contract.
How fast is Colorado's foreclosure process for building distressed deal flow around Colorado Springs?
Faster and more predictable than most states, which is good for sourcing clean assignable contracts. Colorado forecloses deeds of trust through a county public trustee rather than a lender's chosen trustee, and the sale is scheduled 110 to 125 calendar days after the Notice of Election and Demand records. There is a mandatory court check under Rule 120, but it is a limited hearing, not a trial, and runs in parallel with the public trustee's timeline rather than adding to it. Once a sale happens, only junior lienors get a redemption right, not the prior owner, so a buyer can get to clean, assignable title relatively quickly by national standards. No practice-level timeline beyond that statutory window was verified for this metro; use the 110 to 125 day figure and talk to your attorney about where any specific file actually stands.
What if my B-to-C buyer falls through and I end up holding a Colorado Springs property?
You can pivot to a rehab loan instead of losing the deal. If your end buyer walks or their financing falls apart, our fix and flip loan funds up to 90% of purchase and 100% of rehab so you can renovate and resell instead of carrying an assignment that went sideways. That is a separate underwriting decision from transactional funding, and either way you are still closing through a Colorado title company, not a private trustee. Talk to us before your closing date, not after, so terms are ready if you need the fallback.
Do I need my own money to fund the A-to-B leg in Colorado Springs?
Generally no. We fund up to 100% of the purchase on the A-to-B leg, priced as a flat fee rather than a rate, for a term measured in days, not weeks, with a simultaneous close. What you do carry are conveyance costs, and those are small here: a documentary fee of one cent per hundred dollars of consideration on each leg, plus a flat $43 per document to record. Subject to underwriting.
I'm new to wholesaling in Colorado Springs. Do I need a track record or a credit file?
Neither is a gate on this program. Transactional funding runs with no credit check and no appraisal, because the money is only in the deal for the length of a double close. What we need is a real B-to-C buyer and a title company that will handle a simultaneous close, which is how Colorado Springs closes anyway. Get your assignment contract wording in front of a Colorado real estate attorney before you rely on it. Subject to underwriting.
More Transactional Funding questions, answered on the program page
Resources
Guides for Transactional Funding
Fix and Flip · 6 min read
Fix and Flip Loan Requirements: What You Need to Get Funded
Read the guide Transactional · 4 min read
What Is Transactional Funding? (Double Closings for Wholesalers)
Read the guide Fix and Flip · 5 min read
Can You Fund a Fix and Flip With No Money Down?
Read the guide Getting Funded · 4 min read
How Fast Can a Hard Money Loan Close?
Read the guide Compare
Transactional Funding vs. other options
More in Colorado Springs
Other programs in Colorado Springs
Fix and FlipUp to 90% / 100% rehabRental / DSCR30-yr fixed, DSCR from 0.75Ground-Up ConstructionUp to 70% LTV, most statesCRE BridgeUp to $10M, 24-36 moBank Statement / No-DocNo tax returns requiredConventional InvestmentNon-owner-occupied investmentPortfolio LoansMultiple properties, one loanCRE PermanentLong-term agency & permSBA Financing7(a) & 504 placement
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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