Question 1

Does Colorado have a wholesaler disclosure law?

Accepted Answer

No. As of this research, no Colorado wholesaler-disclosure statute exists. Trackers of 2025 wholesaling legislation list Connecticut, Maryland, North Dakota, Oklahoma, and Tennessee as that year's enactments and do not list Colorado, and a search of Colorado bill titles for the 2024 through 2026 sessions turned up no wholesale real estate bill. That is a statement about what we could verify, not a promise that nothing changes: legislatures move, so confirm the current law with Colorado counsel before you build a process around it. What does govern is the real estate broker licensing line, which is a different question and the one below.

Question 2

Where is the broker license line for a Colorado wholesaler?

Accepted Answer

At the difference between marketing a contract and marketing a property. CRS 12-10-201(6)(b)(IV) excludes from the definition of real estate broker any person or entity "acting personally" or through its officers or regularly salaried employees, on its own behalf as principal in acquiring or in negotiating to acquire any interest in real estate. A wholesaler who contracts as principal and assigns that contract sits inside that exclusion. Advertising the underlying property itself for a fee, rather than the contract you hold, looks like the licensed brokerage activity described in CRS 12-10-201(6)(a). That contract-versus-property line is the standard reading of the statute, and no Colorado case or Division of Real Estate guidance interpreting it was located, so run your marketing language past your own attorney rather than a forum.

Question 3

What do two closings cost me in Colorado?

Accepted Answer

Very little in government charges, which is one reason double closes are practical here. CRS 39-13-102 charges a documentary fee of one cent per $100 of consideration on each deed recorded, so an A-to-B leg at $300,000 costs $30 (300,000 divided by 100 = 3,000, times $0.01 = $30) and a B-to-C resale at $360,000 costs $36. Recording has been flat at $43 per document since July 1, 2025 under HB24-1269, page count irrelevant. Colorado has no state transfer tax beyond the documentary fee, with a few pre-1992 grandfathered exceptions in home-rule mountain towns and none in the Denver or Colorado Springs metros. Title and escrow charges are the real line: Colorado title rates are filed by each underwriter rather than promulgated, so quotes differ and shopping actually moves the number.

Question 4

Who runs a Colorado double close?

Accepted Answer

A title company escrow desk. Colorado is not an attorney closing state: the title company holds earnest money, clears and pays off liens, disburses, and records both deeds. Not every escrow officer is comfortable with a same-day A-to-B and B-to-C sequence, so the practical work is finding one who has done them and telling them the structure up front rather than at the table. Ask how they want the funds wired, whose deed records first, and what they need from us. We fund the A-to-B leg in days, not weeks, and the closing only moves as fast as the escrow desk you picked. Your attorney should review the assignment or double-close structure before you commit.

Question 5

Where is the deal flow for this in Colorado?

Accepted Answer

It follows the distressed and off-market supply, which is a metro question rather than a state one. The statewide layer is the enforcement clock: a Colorado public trustee sale is set 110 to 125 calendar days after the notice of election and demand records, and the borrower can cure up to 15 calendar days before the sale, so pre-foreclosure lists here have a short and well-defined life. Where those files are, and what the assignment spread looks like, differs across the Front Range. Go to Denver transactional funding or Colorado Springs for the market layer.

Question 6

Do you check credit for Colorado transactional funding?

Accepted Answer

No credit check, and no appraisal. The loan lives and dies on your end buyer being real and funded, so we underwrite the B-to-C contract instead of you. We fund up to 100% of the A-to-B purchase price for a flat fee, in days, not weeks. Bring the executed contracts on both legs and the escrow officer's details. Subject to underwriting.

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