Denver fix and flip loans for a slower, buyer-friendly market.
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. Front Range hail exposure and a newer subdivision's stacked metro district mill levy both change what a rehab hold actually costs here. Business-purpose only, and every structure is set in underwriting.
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.
Do Denver fix and flip deals still pencil in this market?
Only if you make the spread at purchase, not at resale. Denver MSA active listings hit 12,813 in July 2026, roughly triple the July 2021 trough, and about 51% of active listings were carrying a price cut. Median days on market rose to 51, and the median list price of $579,798 sat 14.1% below the July 2023 peak. This is a buyer-negotiating market that is soft on price, so underwrite the purchase price and the rehab budget conservatively rather than counting on appreciation to bail out a thin margin.
What does Denver's hail exposure do to my carrying costs on a flip?
It shows up as a percentage deductible, not a flat one. Front Range homeowners policies commonly carry a separate wind and hail deductible of 1% to 2% of the dwelling coverage limit, and up to 5% on an older roof, which on a $500,000 dwelling limit is $5,000 to $10,000 out of pocket before a roof claim pays, not the flat $1,000 an out-of-state investor might assume. Roof age also drives whether a carrier will write replacement cost coverage at all rather than actual cash value. Put the roof's age and the deductible percentage in the file before you size the rehab budget, and require replacement cost, not ACV, on the policy.
Can I list my finished Denver flip as a short-term rental instead of selling it?
Only if you live in it, and the rule changes by suburb. Denver's short-term rental licence covers only the licensee's primary residence, defined as the place you actually live and return to; a property you own but do not occupy cannot be licensed for stays under 30 days inside Denver city limits. Aurora and Lakewood run the same primary-residence-only rule. Arvada is the exception: a qualifying owner may hold short-term rental permits on up to three properties citywide, capped at 240 days of occupancy each. If your exit plan is a short-term rental rather than a sale, confirm the jurisdiction before you buy, not after you finish the rehab.
How much should I budget for property taxes while I hold a Denver flip?
It depends on the tax district, not the county. The City and County of Denver's total general mill levy is 79.202 mills, which works out to roughly $3,221 a year, about 0.54% of value, on a $600,000 property. A house inside a Douglas County metropolitan district can carry far more: the worst documented case runs 279.845 total mills, and even a mid-range district runs about 3.3 times Denver's rate on an identical price. Before you underwrite a subdivision property's carry, pull the parcel's tax district number from the county assessor and look up that district's own mill levy.
What if I decide to rent my Denver flip instead of selling it?
You need a city rental licence before you find a tenant. Every long-term residential rental inside Denver, defined as a rental of 30 days or more, needs a Residential Rental Property licence: a four-year term, a $50 application fee, and a third-party inspection at the owner's expense. Denver raised its maximum fine for an unlicensed rental from $999 to $5,000 per violation and issued its first $5,000 fine in January 2026. Ask for the licence number and the inspection date on any Denver rental you buy, and budget the inspection into your own hold if you finish a flip and decide to rent it instead.
Does Colorado's foreclosure process matter for sourcing distressed Denver flip inventory?
It matters because Colorado clears title faster than most states. Colorado forecloses a deed of trust through the county public trustee rather than a court trial: once the holder records a Notice of Election and Demand, the sale is set 110 to 125 calendar days later, and there is no owner redemption after the sale, only a junior lienor's redemption window. That is one of the faster, cleaner foreclosure timelines in the region, which matters if part of your Denver deal flow comes from a public trustee sale rather than a listed property. Talk to your attorney about where a specific property stands in that process before you contract around it.
What credit score do I need for a fix and flip loan in Denver?
There is no minimum score on this program. We do run credit, but on an asset-based Denver flip loan it carries far less weight than at a bank. We underwrite the purchase price, the rehab budget, and the ARV. Weaker credit is usually handled with lower leverage rather than a decline, and there is no hard credit pull to start. Subject to underwriting.
How much do I need to bring to a Denver flip?
About 10% of the purchase, plus closing costs. We fund up to 90% of the purchase price and up to 100% of the rehab budget, capped to ARV. On a $600,000 Denver purchase that is up to $540,000 from us and $60,000 from you (600,000 x 90% = 540,000), with rehab drawn against the schedule instead of paid up front. About half of active listings here are already carrying a price cut, so carry a real contingency on top of that. Subject to underwriting.
Can I get a fix and flip loan in Denver if this is my first flip?
Yes. First-time flippers are welcome. What we want to see is the scope of work, your contractor, and the comps behind your ARV, not a record of finished deals. Denver is a buyer-negotiating market right now, so we will underwrite the buy harder on a first deal than on a fifth. The term is 6 months, interest-only, so the exit has to be real. Subject to underwriting.
What is the smallest fix and flip loan you will write in Denver?
$100K is the floor, and $5M is the ceiling. That range covers most of the Denver metro, from an entry-level rehab to a larger repositioning. Rehab funding runs up to 100% of the budget on top of the purchase leverage, drawn against the schedule, on a 6-month interest-only term. If your deal comes in under $100K, talk to us anyway and we will point you at the right structure. Subject to underwriting.
More Fix and Flip questions, answered on the program 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.
Funding Denver deals fast.
Get real terms, usually same day. No obligation, no hard credit pull to start.
