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Hard Money Lender Colorado

Colorado

Colorado, the 38th state of the union, is the 8th largest and 21st most populous state, with Denver as its capital. It belongs to the western and southwestern United States. Colorado is known as one of the Mountain states because half of its area lies within the Rocky Mountains. Colorado is renowned for its stunning landscapes of mountains, forests, canyons, plateaus, rivers, and desert lands. Denver is the largest and most populous city in Colorado.

Quick Stats:

Lending in Colorado

Onyx Capital Lending is fully licensed and actively lending across Colorado for business-purpose real estate investments. We fund fix & flip, DSCR, bridge, multifamily, and new construction loans, and can close in as few as 14 days. Colorado’s steady in-migration and strong rental demand in markets like Denver and Colorado Springs continue to create opportunities for value-add and cash-flow investors.

Sample Deal

Colorado Springs, CO - SFR Fix & Flip: $685,000 loan amount at 70% LTV, funded in 12 business days for an off-market distressed property that needed a fast close to beat a competing cash offer. No tax returns and no income verification required - we underwrote the deal on asset value and the borrower’s track record.

Colorado FAQs

Is Colorado a judicial or non-judicial foreclosure state?

Colorado primarily uses a public trustee process that is generally faster than a full judicial foreclosure. Timelines vary by county and loan documents, but investors often see a sale scheduled in roughly 110-150 days after the initial notice is recorded.

Which Colorado markets are most active for fix and flip and DSCR rentals?

Denver Metro remains competitive for fix & flip, while Colorado Springs and parts of the Front Range can offer better entry points and steady demand. For DSCR rentals, investors often target suburban SFRs and small multifamily near major employment corridors and military installations.

What should investors know about Colorado landlord-tenant rules?

Colorado is generally considered balanced, but local requirements and notice periods matter. For example, eviction timelines can vary based on the lease type and county court scheduling, so investors should underwrite conservatively and use state-compliant leases and notices.

  • Population: 57.6 lakh people
  • Median Household Income: $72,331
  • Population Density: 52 people/square mile
  • Median Home Sales Price: $545,794
  • Median Price to Rent: $1,473/month
  • On average, home values have gone up about 19.1% over the past year.
Map highlighting Colorado to show the Onyx Capital Lending service area

All our finance programs support the following investment options. For a complete list, please visit our loan program page:

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  • 22 Parsonage St, Providence, RI 02903, USA

Onyx Capital Lending is a private real estate lender licensed under NMLS #2123236. Richard Morency, NMLS #1987012. All loans are for business-purpose investment properties only. Onyx Capital Lending does not offer consumer mortgage loans or loans for owner-occupied residential properties. Loan approval is subject to underwriting review, property valuation, and applicable state regulations. Rates, terms, and availability are subject to change without notice. Lending is available in 48 states. Not available in all states.