Simply Approved Mortgages
Fix & Flip · Colorado

Fix and Flip Loans in Colorado (2026)

Fund the purchase and the rehab in one loan across Colorado's top flip markets — Denver, Colorado Springs, Fort Collins. Up to 90% LTP, 100% of rehab in draws, capped at 75% of ARV, with a built-in DSCR takeout for BRRRR investors.
Updated
Start My ApprovalSee Today's Rates
Quick answer

Can I get a fix & flip loan in Colorado?

Yes — Simply Approved Mortgages arranges fix & flip financing on non-owner-occupied investment property throughout Colorado, including Denver, Colorado Springs, Fort Collins. Short-term acquisition + rehab capital for investors. Figures on this page are estimates for business-purpose financing only and remain subject to a complete application, credit and property review, and full underwriting.

Fix & flip lending
Last updated

Simply Approved funds business-purpose fix and flip loans across Colorado — up to 90% of purchase, 100% of rehab in inspector-verified draws, capped at 75% of ARV, interest-only during the rehab and hold. Colorado flippers and BRRRR investors close in an LLC in 10–15 business days, then roll straight into a same-lender DSCR takeout once the property is stabilized and leased.

TL;DR — Fix & Flip in Colorado
  • • Loan size: $75,000–$3,000,000
  • • Max leverage: 90% LTP · 100% rehab · 75% ARV
  • • Term: 12–24 months, interest-only
  • • Reserves: 3–6 months
  • • Draw cycle: Milestone-based, 3–7 days
  • • Vesting: LLC, LP, S/C-Corp, Series LLC
  • • Top Colorado flip markets: Denver, Colorado Springs, Fort Collins
  • • Typical close: 10–15 business days
Colorado · Balanced

Fix and flip lending across Colorado

Denver metro is a growth-appreciation play — cash flow is tight, but long-term equity has been strong. STR markets in Summit and Eagle counties are heavily regulated. With Colorado's ~5.8M residents and a median home value near $502,200, cosmetic-to-moderate flips still pencil across the state's supply-constrained submarkets.

Median home value
$502,200
Avg SFR rent
$2,300
Max LTP
90%
Max ARV
75%

Live from U.S. Census ACS ACS 5-Year 2023.

How our Colorado fix and flip program works

Fix & Flip loans give real estate investors the acquisition and rehab capital needed to buy distressed properties, renovate them, and sell for profit — typically within 6–12 months. In Colorado, deals are underwritten to the same national program: interest-only on the drawn balance, acquisition funded at close, and every rehab draw released after a third-party inspection and lien waiver. When the property is stabilized and leased, we can refinance you into a 30-year DSCR permanent loan — same file, same lender.

Top flip markets in Colorado

  • Denver — active cosmetic-to-moderate flip inventory, tracking Colorado's median value near $502,200.
  • Colorado Springs — active cosmetic-to-moderate flip inventory, tracking Colorado's median value near $502,200.
  • Fort Collins — active cosmetic-to-moderate flip inventory, tracking Colorado's median value near $502,200.

Pros for Colorado flippers

  • ✓ 10-day closings — competitive at auction and against cash offers.
  • ✓ Rehab budget fully funded on inspector-verified draws.
  • ✓ Interest charged only on drawn balances.
  • ✓ No prepayment penalty — exit whenever the flip is ready.
  • ✓ Seamless BRRRR takeout into a 30-yr DSCR loan.

Watch-outs

  • • Higher rates than long-term DSCR (9.5–13.5%).
  • • Origination fees of 1.5–2.5 points.
  • • Rehab draws require third-party inspections — build into your schedule.
  • • ARV cap is the binding limit on thin-margin deals.
  • • Extensions carry a re-price if the flip runs long.

Documents to close a Colorado flip loan

  • Government-issued photo ID for every guarantor
  • Entity docs — Articles, Operating Agreement, EIN, Good Standing
  • Purchase contract or auction confirmation
  • Detailed rehab budget (scope of work + line-item costs)
  • GC bid / signed contract (if using a third-party contractor)
  • Comparable sales (3 recent ARV comps within 1 mile)
  • Investor experience schedule (previous flips: addresses, purchase, ARV, sale price)
  • Two months asset statements showing reserves + rehab escrow gap

Licensing & regulatory notes for Colorado

Simply Approved Mortgages LLC (NMLS #2620881) is a mortgage broker, not a direct lender, and holds a Colorado Mortgage Company Registration. We arrange residential mortgage loans in Colorado, and business-purpose LLC loans where permitted by applicable law and program guidelines.

Price a Colorado flip

Submit a complete application with address, price, rehab budget, ARV, credit authorization, and supporting docs — initial LTP, ARV cap, and cash-in review usually same business day. Formal pricing follows underwriting.

Start My ApprovalSee Today's Rates
Loan guidelines

Fix and flip guidelines applied in Colorado

Underwriting boxes we work inside for Colorado flips. Ranges are typical program guidelines and vary by borrower experience, GC package, and submarket — not a commitment to lend.

Loan guidelines
Fix & Flip · Colorado program at a glance
Loan amount
$75,000 – $3,000,000
Sized to purchase + rehab and program caps.
Max LTP
90%
Loan ÷ acquisition price. First-timers typically 80–85%; 90% requires 3+ documented exits.
Rehab funding
Up to 100% in draws
Full rehab budget escrowed and released after inspection. You never front the full budget.
Max ARV
75%
Loan ÷ appraised as-completed value. Usually the binding leverage cap.
Term
12–24 months, interest-only
IO on the drawn balance. 6-month extension available.
Reserves
3–6 months
PITIA + rehab overrun buffer verified at underwriting.
Vesting
LLC, LP, S/C-Corp, Series LLC
Business-purpose loan closed in your entity of choice.
Credit floor
680 (720+ best pricing)
Applies to the primary guarantor.
Every flip file is stress-tested at +50 bps and against a soft-market ARV before commitment.
Free with your application

Get your Fix & Flip Deal Analysis

Send us the property and rehab budget — we send back a full flip underwriting: ARV, max loan to purchase, 100% rehab draw schedule, projected profit, and cash-on-cash return.

  • ARV & max loan to purchase (up to 90% LTP)
  • 100% rehab budget with draw schedule
  • Projected net profit & margin
  • Cash-on-cash and annualized return
Get Your Personalized Rate QuoteTakes ~3 minutes • PDF delivered on the thank-you page and emailed

Illustration only, generated from the information you enter. Not a loan estimate, pre-qualification, commitment to lend, or approval. Formal pricing, LTV, and terms are issued only after credit review, income/asset documentation, and full underwriting.

Fix & Flip fit tools

Fix and flip loan calculator: LTV, ARV, rehab, carry & profit

Model the three leverage caps every fix and flip loan has to clear (Purchase LTV, Rehab %, and ARV), estimate your interest-only carry during the rehab, and preview net profit after selling costs. Use it before writing an offer or bidding at auction.

Deal inputs

Cost & exit

Selling costs typically run 6–9% (agent commissions, transfer tax, title, minor concessions). Rehab draws are inspector-verified — interest is charged only on drawn balances.

Results

Purchase advance
$180,000

90% × purchase price.

Rehab escrow
$50,000

Released in inspector-verified draws.

ARV ceiling
$255,000

75% × ARV — hard cap.

Total loan (binding)
$230,000

Binding limit: LTC / rehab.

Cash down at close
$20,000

Purchase price − purchase advance.

Origination fees
$4,600

2 pts × total loan.

Est. monthly IO carry
$1,810

Avg drawn balance × 11% ÷ 12.

Total interest over hold
$10,863

6 months at current draw pace.

Projected sale proceeds
$82,800

ARV $340,000 − selling costs $27,200 − loan payoff $230,000.

Estimated gross profit / ROI
$47,338 (133.5% on cash-in)

Strong margin — this deal pencils on our current program.

Start My ApprovalSee Today's Rates

Illustrative only. Not a quote, lock, or commitment to lend. Final purchase LTV, rehab %, ARV cap, rate, points, and reserves are determined in underwriting based on credit, investor experience, property, market, and program overlays in effect at lock.

Free with your application

Get your Fix & Flip Deal Analysis

Send us the property and rehab budget — we send back a full flip underwriting: ARV, max loan to purchase, 100% rehab draw schedule, projected profit, and cash-on-cash return.

  • ARV & max loan to purchase (up to 90% LTP)
  • 100% rehab budget with draw schedule
  • Projected net profit & margin
  • Cash-on-cash and annualized return
Get Your Personalized Rate QuoteTakes ~3 minutes • PDF delivered on the thank-you page and emailed

Illustration only, generated from the information you enter. Not a loan estimate, pre-qualification, commitment to lend, or approval. Formal pricing, LTV, and terms are issued only after credit review, income/asset documentation, and full underwriting.

Underwriting math

The 70% rule for Colorado deals

Every flip file we underwrite works backwards from ARV. If the deal doesn't clear the 70% rule after real rehab + holding + selling costs, it usually doesn't cash-flow on the flip either.

Maximum Allowable Offer (MAO)

MAO = (ARV × 70%) − rehab − holding − selling − target profit

Example in Colorado: ARV $300K × 70% = $210K. Rehab $50K, holding $8K, selling costs $24K, target profit $30K. MAO = $210K − $50K − $8K − $24K − $30K = $98K. Pay more than that and margin gets thin fast.

When to flex to 75%
  • • Tight MLS inventory with strong absorption (<30 day DOM)
  • • Turnkey scope (cosmetic-only, no MEP/structural)
  • • Experienced flipper (5+ documented exits)
  • • Locked-in GC contract with GMP + 10% contingency
Rehab draws

How rehab draws are released in Colorado

Acquisition funds at close (up to 90% LTP). The rehab budget is held back and released in inspector-verified draws — you never front the full rehab out of pocket.

Milestone% of rehab budgetWhat triggers release
Close & mobilization0%Acquisition funded at close (up to 90% LTP). Rehab holdback funded post-close in draws.
Demo, framing repairs, roof20%First inspection after demo and structural / roofing work complete.
MEP rough-in (plumbing, electrical, HVAC)25%Rough-ins inspected and signed off before drywall.
Drywall, insulation, exterior20%Drywall hung and finished, exterior paint / siding complete.
Interior finishes (kitchen, baths, floors)25%Cabinets, counters, flooring, trim, paint, fixtures installed.
Punch list & final10%Punch list complete, final inspection passed, ready to list.
Timeline

From close to sale in Colorado — a typical 4–6 month flip

Most cosmetic-to-moderate flips run 3–5 months on rehab plus 30–60 days on the market. Heavier scope adds 60–90 days.

  1. M 0
    Close & fund

    Acquisition funded, rehab holdback opened.

  2. M 1
    Demo & rough-ins

    Demo complete, framing / roof / MEP rough-ins. Draws #1–2.

  3. M 2
    Drywall & exterior

    Drywall, insulation, exterior finishes. Draw #3.

  4. M 3–4
    Interior finishes

    Kitchen, baths, floors, trim, paint. Draw #4.

  5. M 5
    Punch & list

    Punch list, final inspection, list on MLS. Draw #5.

  6. M 5–6
    Sale or BRRRR refi

    Sell to retail buyer OR refi into 30-year DSCR loan to hold.

Exit strategies

Four ways to exit a flip in Colorado

We underwrite to your primary exit but we always pressure-test a backup. If DOM stretches or the retail market softens, the BRRRR takeout is often the cleanest fallback.

Sell retail (traditional flip)

List on MLS, sell to owner-occupant. Best margins, longest DOM. Plan on 30–90 days from list to close.

BRRRR refi & hold

Stabilize, lease, refinance into a 30-year DSCR loan at up to 75% of ARV. Pull most of your cash back out, keep the asset.

Wholetail / off-market

Sell to a cash investor at a small discount to skip the retail listing period. Lower proceeds but 15–30 day close.

Novation / lease-option

Advanced play — sell under a lease-to-own arrangement. Higher price, longer collect, more complex documentation.

Builder / GC vetting

What we verify on your rehab GC in Colorado

Underwriting reviews your GC package before we issue the commitment. Have these ready to speed the file.

  • Active state GC / builder license (or handyman license where allowed for cosmetic scope)
  • General liability insurance ≥ $1M and workers' comp on file
  • 3+ verifiable references from flips completed in the last 24 months
  • Written fixed-price rehab contract with scope of work per room
  • Detailed line-item budget mapped to the draw milestones
  • Realistic build schedule with weekly critical-path milestones
  • Lien waivers collected at every draw (conditional + unconditional)
  • Photos + addresses of 2+ recent finished flips of similar scope
Budget breakdown

Sample $300K ARV flip in Colorado

Illustrative only — your project's split will vary by market, scope, and hold time. Contingency and holding costs are required line items on every underwritten file.

Line itemAmount% of total cost
Purchase price$180,00060%
Rehab budget (materials + labor)$65,00022%
Holding costs (IO interest, tax, insurance, utilities — 6 mo)$16,0005%
Closing costs (acquisition + refi/sale)$10,0003%
Selling costs (agent, title, transfer — ~8% of ARV)$24,0008%
Contingency (10% of rehab)$6,5002%
All-in project cost$301,500100%
Projected sale (ARV)$300,000Contract with a real retail buyer
Projected gross profit~$28,500Before financing interest and income tax
Compare financing

Flip loan vs. hard money vs. HELOC in Colorado

Same deal, three financing paths. Speed, leverage, and how draws work drive most flippers to a dedicated fix & flip line.

FeatureFix & Flip loanLocal hard moneyHELOC / cash
Down payment / cash-in10% purchase + soft costs20–25% + all rehab up-frontHome equity dependent
Rehab funding100% of budget in drawsDraws (higher rate)Lump sum, borrower funds
Draw turn-time3–7 days after inspection5–10 daysN/A
QualificationExperience + credit + reservesAsset-based, credit-litePersonal DTI + home equity
LLC vestingYesYesNo — personal only
Speed to close10–15 business days5–10 days30–45 days
BRRRR refi built inSame-lender DSCR takeoutRequires re-shopN/A
Glossary

Fix & flip terms in Colorado

The vocabulary underwriting, appraisers, and title use. Learn it once and every future file moves faster.

ARV (After-Repair Value)

Appraised value assuming the property is fully renovated. Flip loans typically cap at 70–75% of ARV — usually the binding leverage limit.

LTP (Loan-to-Purchase)

Loan amount ÷ acquisition price. Experienced investors can hit 90% LTP; first-time investors 80%.

LTC (Loan-to-Cost)

Loan amount ÷ (purchase + rehab + soft costs). Typically capped at 85–90%.

MAO (Maximum Allowable Offer)

The most you should pay: (ARV × 70%) − rehab − holding − selling costs − target profit. The 70% rule.

Rehab holdback

Portion of the loan reserved for the rehab budget and released in inspector-verified draws — never fronted.

IO carry

Monthly interest-only payment on the average drawn balance during the rehab and hold period.

DOM (Days on Market)

How long the finished property sits before going under contract. Every extra 30 days is real IO carry + tax + insurance.

BRRRR refi

Refinance out of the flip loan into a 30-year DSCR permanent loan once the property is stabilized and leased — the exit for buy-and-hold investors.

Experience tier

Number of documented flips completed in the last 36 months. Tiers unlock better pricing and higher LTP/LTC caps.

Seasoning

How long the loan must be in place before you can refi into a DSCR loan — typically none on same-lender BRRRR, 3–6 months elsewhere.

Ready to fund your next flip?

Send the purchase price, rehab budget, and ARV — a licensed loan officer reviews the scenario, usually the same day.

Get Your Personalized Rate Quote
Free with your application

Get your Fix & Flip Deal Analysis

Send us the property and rehab budget — we send back a full flip underwriting: ARV, max loan to purchase, 100% rehab draw schedule, projected profit, and cash-on-cash return.

  • ARV & max loan to purchase (up to 90% LTP)
  • 100% rehab budget with draw schedule
  • Projected net profit & margin
  • Cash-on-cash and annualized return
Get Your Personalized Rate QuoteTakes ~3 minutes • PDF delivered on the thank-you page and emailed

Illustration only, generated from the information you enter. Not a loan estimate, pre-qualification, commitment to lend, or approval. Formal pricing, LTV, and terms are issued only after credit review, income/asset documentation, and full underwriting.

Monthly market update

Fix & Flip · Colorado rate & market update

Compiled from Freddie Mac PMMS, U.S. Treasury, and BLS releases. Figures are published with the period they cover and the date they were retrieved.

Price & supply data

Colorado home price index and building permits

Two federal datasets investors use to read a market: the FHFA all-transactions House Price Index for repeat-sale appreciation, and the Census Building Permits Survey for how much new supply is being authorized. Each figure is shown with the period it covers.

What the data shows in Colorado

The FHFA all-transactions index for Colorado is up 0.2% over the last four quarters (Q2 2026). Permitted private housing units over the trailing twelve months are 1.5% higher than the prior twelve, at 33,093 units through August 2026. Both series are historical measures of the market, not a forecast, a valuation of any specific property, or an indication of loan terms.

  • House price index is a repeat-sale measure across all transactions, so it reflects the same properties trading over time rather than a change in the mix of what sold.
  • Permits authorize construction; not every permitted unit is built, and delivery typically lags authorization by several quarters.
  • Statewide readings can differ sharply from a single submarket. Underwrite the property and its rent comps, not the state average.

Historical data, not a projection. Past appreciation and permit volume do not predict future values, rents, or returns, are not a valuation of any property, and are not an offer of credit or an indication of loan terms.

Sources: FHFA House Price Index · Census Building Permits Survey · Series delivery via FRED
Local market news & updates

What the latest published data says about Colorado

Every update below is a published figure from a named federal source, shown with the exact period that source covers. Where a dataset is only produced at county or state level, it is labelled that way rather than presented as city data. These are market statistics for informational purposes only — they are not rates, loan terms, or an offer of credit.

  • State dataData through ACS estimates, ACS 5-Year 2023

    Colorado housing costs — ACS estimates, ACS 5-Year 2023

    The most recent published Census reading for Colorado shows a median owner-occupied home value of $502,200, a median gross rent of $1,693 per month, a two-bedroom median rent of $1,713, a three-bedroom median rent of $1,969. These are survey estimates for the period shown, not live listing prices, and they are the starting point investors use to sanity-check a rent assumption before underwriting a DSCR file.

    Source: U.S. Census Bureau, American Community Survey

  • State dataData through ACS estimates, ACS 5-Year 2023

    Colorado renter demand indicators — ACS estimates, ACS 5-Year 2023

    Census reports a population of 5,810,774, a median household income of $92,470, a rental vacancy estimate of 8.6% for Colorado. Income and vacancy set the practical ceiling on achievable rent, which is what a DSCR calculation is ultimately built on.

    Source: U.S. Census Bureau, American Community Survey

  • State dataData through Declarations 1960–present

    Colorado federal disaster declarations since 1960

    FEMA records 109 federal disaster declarations covering Colorado since 1960, most recently on 2026-09-01 (Fire). Declaration history is published history, not a forecast or a flood determination, and insurance cost is an operating expense that moves DSCR.

    Source: FEMA OpenFEMA disaster declarations

  • State dataData through Q2 2026

    Colorado house price index — Q2 2026

    The FHFA all-transactions house price index for Colorado covers Q2 2026, +0.2% against the same quarter a year earlier. The index measures repeat sales of existing homes and is published quarterly with a lag.

    Source: FHFA House Price Index (via FRED)

Source periods represented above: ACS estimates, ACS 5-Year 2023 · Declarations 1960–present · Q2 2026. Each figure updates only when its publisher releases a new period — we never restamp an older reading with a newer date.

Informational market data only. Nothing in this section is a rate, an annual percentage rate, a payment, a loan term, an approval, or an offer or commitment to lend. Citing a federal dataset does not imply the agency endorses, sponsors or is affiliated with Simply Approved Mortgages LLC (NMLS #2620881). Financing referenced on this page is business-purpose investment property financing.

County data

Loan limits, permits and disaster history in Colorado

Three published federal datasets that shape how an investor sizes and insures a deal: FHFA conforming loan limits by county, the Census Building Permits Survey at the county level, and FEMA's record of federal disaster declarations.

Conforming loan limits — 2026

$832,750 – $1,249,125

One-unit limit across Colorado counties. High-cost counties: Adams County, Arapahoe County, Boulder County, Broomfield County, Clear Creek County, Denver County….

Conforming limits govern loans sold to Fannie Mae and Freddie Mac. DSCR and other business-purpose investor loans are not agency loans and are not bound by these limits — the figures are shown as market context for sizing a deal.

County building permits

County-level permit data is published for metro counties only. Select a city page for county detail. Statewide permit volume is shown in the price and supply section.

Federal disaster declarations

109
declarations since 1960
  • Fire86
  • Flood12
  • Severe Storm3
  • Biological2

Most recent: wildfires, flooding, and mudslides (2026).

Declaration history is not a flood-zone determination for any property, an insurance quote, or a prediction. Confirm the flood zone and elevation for the specific address and price insurance with a licensed carrier.

FEMA flood zone by address

Check how FEMA currently maps a specific property in Colorado. Flood zone drives whether a lender will require flood insurance, which changes your carrying cost and DSCR.

Source: FEMA National Flood Hazard Layer, read live from the currently published map. This is general information only — it is not a flood zone determination, an elevation certificate, an insurance quote, or a loan condition. Confirm the official map at FEMA's Flood Map Service Center and with a licensed insurance professional.

Sources: FHFA conforming loan limits · Census Building Permits Survey · FEMA disaster declarations
Free with your application

Get your Fix & Flip Deal Analysis for your Colorado property.

Send us the property and rehab budget — we send back a full flip underwriting: ARV, max loan to purchase, 100% rehab draw schedule, projected profit, and cash-on-cash return.

  • ARV & max loan to purchase (up to 90% LTP)
  • 100% rehab budget with draw schedule
  • Projected net profit & margin
  • Cash-on-cash and annualized return
Get Your Personalized Rate QuoteTakes ~3 minutes • PDF delivered on the thank-you page and emailed

Illustration only, generated from the information you enter. Not a loan estimate, pre-qualification, commitment to lend, or approval. Formal pricing, LTV, and terms are issued only after credit review, income/asset documentation, and full underwriting.

Data transparency

Sources & methodology — Colorado

Page reviewed: August 31, 2026
HUD User — Fair Market Rents

Section 8 / Housing Choice Voucher payment-standard context and ZIP-level small-area FMR lookups.

Update cadence:
Annually, on the federal fiscal year (plus mid-year revisions)
Freshness shown:
Live badge driven by HUD's published dataset edit date — turns stale rather than silently ageing
If unavailable:
Falls back to HUD's public ArcGIS dataset (still HUD data). If both fail the panel renders an explicit unavailable state; no substituted numbers.
HUD User — Income Limits

Area median income and income-limit context for voucher and affordability pages.

Update cadence:
Annually
Freshness shown:
Shows the HUD income-limit year on the panel
If unavailable:
Explicit unavailable state; no estimated income limits are generated.
HUD — Picture of Subsidized Households / QCT / DDA

Qualified Census Tract and Difficult Development Area context for investor targeting.

Update cadence:
Annual designations; the subsidized-household snapshot is a dated vintage
Freshness shown:
The dataset vintage is labelled on the panel rather than implied to be current
If unavailable:
Explicit unavailable state.
FRED — Federal Reserve Bank of St. Louis

Macro rate context only: 10-year Treasury and the published 30-year fixed benchmark. Never used as an investor loan quote.

Update cadence:
Daily / weekly depending on series
Freshness shown:
Each reading shows its observation date; the market-update module flags readings older than 45 days as delayed
If unavailable:
Market-update module renders 'Market data feed temporarily unavailable' — the freshness badge never advances when the source did not refresh.
U.S. Bureau of Labor Statistics

State and metro employment / unemployment context on investor market pages.

Update cadence:
Monthly
Freshness shown:
Reading period shown alongside the figure
If unavailable:
Runs key-less at lower rate limits; on failure the metric is omitted rather than estimated.
U.S. Census Bureau — American Community Survey

Population, household, renter-share, median value and median gross rent context by state and place.

Update cadence:
Annual 5-year estimates
Freshness shown:
ACS vintage year displayed with the figures
If unavailable:
Optional key; runs key-less at lower rate limits. Individual metrics are omitted on failure — never back-filled.
RentCast

Automated property value and long-term rent estimates for address lookups.

Update cadence:
Continuous
Freshness shown:
Each estimate carries its retrieval timestamp and an AVM disclaimer
If unavailable:
If the key is absent the lookup returns an explicit 'not configured' message; no placeholder valuation is shown.
Short-term rental revenue model (in-house)

Illustrative STR gross revenue bands where a licensed STR data feed is not returning data.

Update cadence:
N/A — derived from the underlying rent benchmark
Freshness shown:
Labelled as a model estimate, not observed STR performance
If unavailable:
Always labelled 'illustrative model estimate' with a prompt to verify against a dedicated STR data provider before underwriting.
Investor pricing engine

Live business-purpose DSCR pricing responses (rate, points or credit, estimated payment, lock period).

Update cadence:
Intraday
Freshness shown:
Every quote carries the timestamp it was returned; the badge downgrades once the quote is no longer current
If unavailable:
Serves the last snapshot only while it is still inside the usable age window; otherwise renders an explicit unavailable state. No sample or illustrative rate is ever displayed as live pricing.
Investment-property equity pricing dataset

First and second lien non-owner-occupied equity pricing grid.

Update cadence:
Per wholesale pricing release
Freshness shown:
The active version's effective date is rendered dynamically on every pricing card
If unavailable:
If no active version exists the tool refuses to price rather than guessing.
FHFA House Price Index

Repeat-sale home price appreciation by state (1-quarter, 1-year and 5-year change) on state investor pages.

Update cadence:
Quarterly, with revisions
Freshness shown:
Each reading shows the quarter it covers; readings older than ~200 days are labelled a delayed refresh
If unavailable:
Panel renders an explicit unavailable state — no interpolated or estimated appreciation figure is shown.
U.S. Census Bureau — Building Permits Survey

New private housing units authorized by state: trailing-12-month volume and the year-over-year change.

Update cadence:
Monthly
Freshness shown:
Trailing window is labelled with its final month; stale readings are flagged rather than aged silently
If unavailable:
Metric is omitted and the panel says so; permit counts are never estimated.
We never display a placeholder, sample or cached-but-expired figure as if it were current. When a source is unavailable the affected panel says so. All figures are provided for informational purposes only, are not an offer or commitment to lend, and are subject to change without notice. Rental income projections are estimates and do not guarantee performance.
Colorado metros

Featured fix and flip markets in Colorado

Cosmetic flips, tear-down/rebuilds, and BRRRR conversions are all active across these metros. Click into a city for local flip comps, permit posture, and DOM trends.

Denver
Median home $560,000 · 2BR rent $2,150 · Cap 4.5–6%
Denver fix and flip guide →
Colorado Springs
Median home $445,000 · 2BR rent $1,800 · Cap 5–7%
Colorado Springs fix and flip guide →
Pueblo
Median home $255,000 · 2BR rent $1,200 · Cap 7–9%
Pueblo fix and flip guide →
Free with your application

Get your Fix & Flip Deal Analysis

Send us the property and rehab budget — we send back a full flip underwriting: ARV, max loan to purchase, 100% rehab draw schedule, projected profit, and cash-on-cash return.

  • ARV & max loan to purchase (up to 90% LTP)
  • 100% rehab budget with draw schedule
  • Projected net profit & margin
  • Cash-on-cash and annualized return
Get Your Personalized Rate QuoteTakes ~3 minutes • PDF delivered on the thank-you page and emailed

Illustration only, generated from the information you enter. Not a loan estimate, pre-qualification, commitment to lend, or approval. Formal pricing, LTV, and terms are issued only after credit review, income/asset documentation, and full underwriting.

FAQ

Fix and flip in Colorado — questions, answered

Do you fund fix and flip loans in Colorado?

Yes. We fund business-purpose fix and flip loans across Colorado — up to 90% of purchase and 100% of the rehab budget, capped at 75% of ARV, with a same-lender DSCR takeout if you decide to hold instead of sell.

What credit score do I need for a Colorado flip loan?

680 minimum for the primary guarantor. 720+ unlocks the best pricing tier and the highest LTP / LTC. Co-guarantors can be added to strengthen a file.

How fast can we close a Colorado fix and flip?

Most Colorado flip files close in 10–15 business days. Clean title, an appraisal turn under 7 days, and a complete GC package are the biggest drivers of speed.

How does the rehab holdback work in Colorado?

Acquisition funds at close. The rehab budget is escrowed as a holdback and released in inspector-verified draws — typically 3–5 draws depending on scope. You never front the full rehab out of pocket.

Do I need prior flip experience to qualify in Colorado?

No, but experience tiers matter. First-time flippers typically cap at 80% LTP and 65% ARV. Investors with 3+ documented exits in the last 36 months unlock 90% LTP and 75% ARV pricing.

Can I flip inside an LLC in Colorado?

Yes — every flip loan we originate in Colorado is a business-purpose loan closed in your LLC, LP, or corporate entity at no rate premium.

What ARV cap applies in Colorado?

Up to 75% of ARV on our standard program. 70% is the safer underwriting benchmark (the classic "70% rule"). If the deal doesn't pencil at 70% ARV after all costs, we usually recommend re-pricing the offer.

Can I refinance a Colorado flip into a DSCR loan instead of selling?

Yes — that's the BRRRR path. Once the property is stabilized and leased, we refi you into a 30-year DSCR permanent loan at up to 75% of ARV. Same underwriter, same file, 10–15 business days.

Are Colorado fix and flip loans business-purpose?

Yes — every flip loan we originate in Colorado is a business-purpose loan on non-owner-occupied investment property, closed in your LLC, LP, or corporate entity.

How are Colorado flip loans priced?

Rate is driven by your experience tier, credit score, LTP / ARV request, and property type. Interest-only during the rehab and hold; only the drawn balance accrues interest.

Fix and flip lending nationwide

More states we flip in

Fix and flip loans in AlabamaFix and flip loans in AlaskaFix and flip loans in ArkansasFix and flip loans in ConnecticutFix and flip loans in District of ColumbiaFix and flip loans in DelawareFix and flip loans in FloridaFix and flip loans in GeorgiaFix and flip loans in HawaiiFix and flip loans in IllinoisFix and flip loans in IndianaFix and flip loans in Kansas
Ready to price a Colorado flip?

Get Colorado fix and flip pricing today

Send the purchase contract or payoff, rehab budget, and ARV — written LTP, ARV cap, and cash-in same day.

Start My ApprovalSee Today's Rates
Simply Approved Mortgages Expert Insight
Last reviewed

How We Evaluate This Scenario

Sizing is driven by after-repair value and total project cost: a share of the purchase plus most of the rehab, with rehab released in draws after inspection. Support your ARV with closed comparable sales rather than active listings — an appraisal that lands under your assumed ARV reduces proceeds on both sides of the deal.

Holding period is where returns actually get made or lost. Model two to three extra months of interest, taxes, insurance, and utilities beyond your plan; permit timelines and material lead times slip far more often than scopes come in early.

Decide the exit before you close. If the plan is a refinance into long-term DSCR rather than a sale, confirm the rent will support the permanent payment at the ARV you are underwriting to.

Reviewed by Simply Approved Mortgages · NMLS #2620881. Business-purpose investor lending only.

Investor pre-approval

Get your personalized investor loan quote

Pick the loan type that fits your deal and complete a short, tailored pre-qualification. A licensed loan officer follows up with an initial scenario review once we have your credit authorization and supporting documents — usually the same business day. Formal pricing and terms follow underwriting.

Pick a loan type

You can change this any time.

Tell us about your scenario

The form below is tailored to DSCR rental loan — only the questions your program needs.

1
Your info
2
Your deal
Your deal — the basics

Purchase or refinance a rental. The property's rent qualifies the loan.

What's your goal?
Purchase price ($)$450,000
$
Down payment (%)20%
%
Monthly rent ($)$2,800
$
HUD Fair Market Rent for your ZIP — ballpark only. Get a precise market rent after you submit.
Estimated credit rating

A soft self-estimate — no credit pull happens here.

This is a pre-qualification request — not a loan application under TILA/RESPA and not a loan approval, rate lock, offer, or commitment to lend. It does not trigger a Loan Estimate. If your loan requires one, the Loan Estimate is issued inside our loan origination system after you submit a complete application and your loan officer has reviewed your scenario.

Encrypted and never sold. Takes about 60 seconds.

Your answers save as you go. A licensed loan officer typically follows up the same business day · Simply Approved Mortgages LLC, NMLS #2620881.

Credit & pre-approval

Why we pull credit for your investor loan pre-approval

Every DSCR / business-purpose loan file needs a tri-merge credit report so we can verify identity, price your rate tier accurately, and confirm reserves and payment history for the underwriter. Cleaner credit typically unlocks a better rate and higher leverage.

Pay for your credit report — SmartPay

Simply Approved Mortgages uses MeridianLink SmartPay to securely collect the credit report fee for your investor pre-approval. Payment goes directly to the credit vendor — not to us — and unlocks your tri-merge report (Equifax, Experian, TransUnion) so your loan officer can price your file.

  • Secure, PCI-compliant checkout hosted by MeridianLink
  • Required for a formal investor pre-approval decision
  • Soft-touch process — your loan officer will guide you through it
Pay for credit report securely

You'll be redirected to cic.cra.xedalink.net (SmartPay).

Check your credit first — $1 trial at MyITINCredit

Before you apply, it's smart to know exactly where your credit stands. MyITINCredit offers a $1 trial for 15 days that includes all three credit reports and scores (Equifax, Experian, TransUnion), plus ongoing credit monitoring so you can catch errors, dispute inaccuracies, and watch for identity theft.

  • See all 3 bureau reports & scores before your lender does
  • Ongoing monitoring alerts you to new accounts or score changes
  • Fix errors early — cleaner credit can widen your investor loan options
Start $1 / 15-day trial

You'll be redirected to myitincredit.com. Third-party service — terms apply.

Credit report fees are paid directly to the credit vendor. Simply Approved Mortgages does not profit from the credit pull. MyITINCredit is an independent third-party service; pricing, terms, and features are set by that provider.

Investor newsletter

Fix & Flip rates, market shifts, and program changes — in your inbox.

Periodic investor updates: rate movement, guideline and program changes, and market data refreshes. No spam, unsubscribe anytime.

  • DSCR rate snapshots
  • Program & guideline updates
  • Illustrative investor scenarios
  • Market data notes
Get the investor update
Investor newsletter

Periodic DSCR rate updates, market data refreshes, and program changes. No spam, and we never sell your address.

I agree to receive periodic investor market and program update emails from Simply Approved Mortgages LLC. I can unsubscribe at any time. Submitting this form records your consent and the page you signed up from. It is not a loan inquiry and does not start an application.

Start My ApprovalCall (877) 813-7219