CO · Denver
Bridge, Flip & Construction
Loans in Denver, CO
Bridge, fix & flip, construction, renovation and DSCR loans for residential investment property in Denver, $1M to $5M, term sheet in 24 to 48 hours. For US investors and foreign nationals on the same terms.
Passy Capital finances investors and builders who buy, renovate and build residential investment property in Denver and the surrounding Front Range: single-family houses, duplexes and other 2-4 unit buildings, townhomes and condos, small apartment buildings up to 9 units, and build-to-rent. Bridge, fix & flip and ground-up construction loans come first, then renovation, with DSCR as the hold. Loans run from $1M to $5M, with a term sheet in 24 to 48 hours and closing in about two weeks on a clean file.
Much of Denver's investor activity is infill: an older house on a city lot bought, then either renovated and resold or scraped and replaced with new single-family, duplex or townhome product. We fund the acquisition with a bridge loan up to 80% LTV, the renovation route with a fix & flip or renovation loan up to 90% of cost, and the rebuild with a construction loan up to 85% of cost and a draw schedule tied to the work.
Investors based outside the United States borrow on the same terms, through a US LLC, with no US credit history required. All lending is business-purpose, on non-owner-occupied property. The fee is 1-2% of the loan, paid at closing, with no upfront fees.
Denver Market Highlights
Infill Scrape and Rebuild
Denver's older neighborhoods carry a steady flow of tear-down and rebuild projects. A bridge loan can carry the lot while plans are finalized, then a construction loan funds the build.
Public Trustee Foreclosure
Colorado forecloses through a county public trustee, with a limited court step (a Rule 120 order) before the sale. It is neither a fully judicial nor a purely private trustee process.
Small Documentary Fee
Colorado has no broad state transfer tax. The state documentary fee is one cent per $100 of price, so transfer costs on a Denver flip are low.
Underwrite Long-Term Rents
Denver licenses short-term rentals only in the host's own home, so a non-owner-occupied investment property there should be underwritten on long-term rents. Our DSCR loans are sized on those rents.
Townhome and Duplex Product
New townhome and duplex product on infill lots is a common exit for Denver builders, sold unit by unit or held and refinanced into DSCR.
Same Terms From Abroad
A foreign investor buying or building in Denver borrows through a US LLC on the same terms as a local investor, with no US credit history required.
Key Submarkets
Highlands
Berkeley
Sloan's Lake
Sunnyside
Washington Park
Platt Park
Congress Park
Park Hill
Lakewood
Arvada
Englewood
Aurora
Property Types We Finance
Single Family
Duplex / 2-4 Units
Townhome / Condo
Small Multifamily (5-9)
Infill New Construction
Build-to-Rent
SFR Portfolios
Scrape & Rebuild
Loan Programs
Bridge Loans
Buy, refinance or cash out an investment property, closing in about two weeks.
Construction
Ground-up spec homes and build-to-rent, with draws tied to milestones.
Renovation / Rehab
Rehab financing on 1-4 unit and small multifamily, drawn against completed work.
Fix & Flip
Purchase and rehab in one loan for 1-4 unit flips, closing in about two weeks.
DSCR / Rental
Long-term rental financing based on property cash flow.
Investing in Denver from outside the US
If you are buying in Denver from outside the United States, financing is usually where the process stalls: no Social Security number, no US credit history, and no retail bank willing to underwrite a foreigner. We lend to your US LLC instead, underwrite the property rather than a US profile you have no way to build, and charge no foreign-national premium for it.
Frequently asked questions
Do you finance scrape-and-rebuild projects in Denver?
Yes. Ground-up construction of single-family, duplex, townhome and small multifamily product is core for us, up to 85% of cost. We can also bridge the lot purchase while plans are finalized.
Can I run a Denver investment property as a short-term rental?
Denver licenses short-term rentals only in the host's own home, so an investment property is normally held as a long-term rental. We size DSCR loans on long-term market rent.
Can a foreign national finance property in Denver?
Yes. The loan is made to a US LLC and underwritten on the property, so a non-resident with no US credit history borrows on the same terms as a US investor.
Learn More
Bridge loan vs construction loan
When to carry a lot on a bridge loan and when to move to a construction loan with draws.
Construction Loans: How to Finance a Development
Draw schedules, loan-to-cost and what a lender reviews before funding a ground-up build.
Foreign National US Property Financing Options Compared
Bridge, fix & flip, construction and DSCR for non-US investors, and how to choose.
More answers in investor questions, answered and the glossary of lending terms.
Related US Markets
We finance US and foreign investors in other markets too.
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