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Program 01
Fix and Flip in Colorado
Fix and flip loans funded across Colorado, fast.
Built for the active flipper. We fund up to 90% of the purchase price and up to 100% of the rehab budget, capped to ARV, on a 6-month interest-only term. Colorado gives you a short foreclosure clock, cheap conveyance, and an insurance line that costs more than out-of-state buyers expect. Business-purpose only, and every structure is set in underwriting.
90%
of purchase
100%
of rehab
Same day
term sheet
$5M
max loan
Typical figures, subject to underwriting and market conditions. Not a commitment to lend.
How it works
Draws are reimbursed quickly as work is completed, and a dedicated closer stays with your file from term sheet to payoff. You can get a term sheet the same day, and we typically fund within 48 hours of clear title, so most flips close in 5-7 days as soon as title and insurance come together.
Who it's for
Active fix and flip investors
First-time flippers welcome
Single-family and 1-4 units
Value-add and distressed buys
Auction and on-market deals
Typical terms
Loan amount$100K to $5M
Purchase leverageUp to 90% LTP
Rehab fundingUp to 100%
Term6 months
RateFrom 9.99%*
PaymentsInterest-only
*Typical terms, subject to underwriting and market conditions.
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Local FAQ
Fix and Flip in Colorado, answered.
How much lead time does a Colorado public trustee sale give me?
A predictable window, and it is short. Colorado forecloses deeds of trust through a county public trustee, a public official rather than a trustee the lender picks. Once the notice of election and demand is recorded, CRS 38-38-108(1)(a) puts the sale 110 to 125 calendar days later for non-agricultural property. A combined notice goes out within 20 calendar days of recording and again 45 to 60 days before the first scheduled sale date, so the file is public well before the gavel. Two things move dates on you: the borrower can file a notice of intent to cure up to 15 calendar days before the sale and pay by 12 noon the day before, and the holder needs a Rule 120 court order authorizing sale. Have money committed before the sale date, not after it. We issue a term sheet the same day and most files land at 5 to 7 days. Apply now. Subject to underwriting.
Sources: colorado.public.law
What does it cost to buy and resell a Colorado flip on the closing statement?
Less than almost anywhere. CRS 39-13-102 charges a documentary fee of one cent per $100 of consideration when a deed records, so a $500,000 resale carries a $50 fee (500,000 divided by 100 = 5,000, times $0.01 = $50), and nothing at all is due when consideration is $500 or less. Colorado has no state real estate transfer tax beyond that, and TABOR blocks new ones, though a few home-rule mountain towns kept pre-1992 grandfathered transfer taxes. None are in the Denver or Colorado Springs metros. Recording has been flat at $43 per document since July 1, 2025 under HB24-1269, page count irrelevant. Two deeds and a release on a flip is a rounding error next to what a transfer-tax state charges. Confirm the county schedule before you build the sheet.
Sources: colorado.public.law, clerkandrecorder.elpasoco.com, leg.colorado.gov
What does insurance do to carry on a 6-month Colorado flip?
More than most out-of-state flippers budget, and the reason is hail rather than wildfire. Colorado premiums have grown about 100.8% since 2020, the largest increase of any state, and Federal Insurance Office data put the average annual premium near $4,072 for $300,000 of coverage. A Division of Insurance analysis published in February 2026 attributes 26% to 54% of homeowners premium to hail depending on county, roughly half of premium along the Front Range, against about 1% for wildfire in Denver. The May 8, 2017 metro hailstorm ran roughly $3.3 billion in 2025-adjusted damages. On a vacant rehab that means three things: expect a percentage-based hail deductible, expect roof age to drive the quote or a nonrenewal, and carry replacement cost rather than actual cash value on the collateral. Quote the specific address before you sign the contract.
Sources: cpr.org, csuredi.org
Does the same flip math work across the Front Range?
No, and the state page is the wrong place to pretend otherwise. Colorado spreads across three very different investor markets: Denver on the largest deal flow and the highest basis, Colorado Springs on a lower price point with military-driven demand, and Fort Collins on a smaller, supply-constrained northern market. The state layer is what they share, being the public trustee clock, the documentary fee, and the June 8 protest deadline. The market layer is not shared. Go to Denver fix and flip, Colorado Springs fix and flip, or Fort Collins fix and flip for what your submarket is actually doing, and run the deal through the fix and flip calculator before you commit.
Will the tax bill move after I buy a Colorado flip?
It can, and the calendar is worth knowing even on a 6-month hold. Colorado revalues real property every odd-numbered year, mails notices of valuation by May 1, and CRS 39-5-122(2) requires a real property protest to be postmarked, delivered, or given in person by June 8. Since tax year 2025, residential property carries two assessment rates: 7.05% against school district mills and 6.25% against local government mills for 2025, moving to 7.05% and 6.8% for 2026, with the local-government side first subtracting 10% of actual value capped at $70,000. There is no homestead-style cap that an investor loses here, since none of it applied to you in the first place. Even at investor rates, Colorado residential property tax is low by national standards, so it is rarely the line that breaks a flip.
Sources: bouldercounty.gov, colorado.public.law
What credit score do I need for a Colorado fix and flip loan?
There is no minimum score on this program. We do run credit, but on an asset-based loan it carries far less weight than it would at a bank. The file turns on the property, the rehab budget, and the after repair value. Weaker credit is usually answered with lower leverage rather than a decline, and there is no hard credit pull to start. Subject to underwriting.
How much cash do I need to bring to a Colorado flip?
Roughly 10% of the purchase, plus closing costs and a contingency. We fund up to 90% of the purchase price and up to 100% of the rehab budget, capped to ARV. On a $500,000 purchase that is up to $450,000 from us and $50,000 from you (500,000 x 90% = 450,000), with rehab drawn against the schedule rather than paid up front. Add the documentary fee, the $43 per document recording charge, and a real insurance quote to your closing sheet. Subject to underwriting.
What is the smallest Colorado flip you can fund?
$100,000 is the floor and $5,000,000 is the ceiling. Below $100,000 the fixed cost of a closing eats the deal for both of us. The term is 6 months, interest-only, which has to cover rehab, listing, and a price reduction if the exit slows. Colorado basis varies widely between the Front Range metros, so check the number against your actual submarket. Subject to underwriting.
Can I get a Colorado fix and flip loan on my first deal?
Yes. First-time flippers are welcome on this program. The file is underwritten on the property, the budget, and the exit, so a thin track record is not a decline by itself. Expect it to show up in leverage rather than in a yes or no, and expect harder questions about your contractor and your ARV support. Bring closed comps and a real insurance quote, since the hail line surprises first-timers here. Subject to underwriting.
More Fix and Flip questions, answered on the program page
Resources
Guides for Fix and Flip
Fix and Flip · 6 min read
Fix and Flip Loan Requirements: What You Need to Get Funded
Read the guide Strategy · 6 min read
Financing the BRRRR Method: Buy, Rehab, Rent, Refinance, Repeat
Read the guide Fix and Flip · 5 min read
What Is ARV (After-Repair Value) and How Do You Calculate It?
Read the guide Rates & Costs · 5 min read
Hard Money Loan Rates and Costs, Explained
Read the guide Compare
Fix and Flip vs. other options
More in Colorado
Other programs in Colorado
Rental / DSCR30-yr fixed, DSCR from 0.75Ground-Up ConstructionUp to 70% LTV, most statesCRE BridgeUp to $10M, 24-36 moTransactional FundingSame-day double-close capitalBank 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 2026-08-12.
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