Denver's real estate market continues to show resilience in 2025. As of June, the median home sale price in Denver County was approximately $583,000, reflecting a modest 2.6% year-over-year decline. Inventory remains tight, and well-priced homes still attract strong investor interest. For real estate investors planning to flip properties or secure short-term financing, finding the right hard money lender in Denver is critical to staying competitive.
Whether you're targeting established neighborhoods like Cherry Creek or up-and-coming areas like RiNo, fast access to funding can make the difference between winning or missing a deal.
This guide explains how to find reliable local hard money lenders, what to expect in the current market, and how to secure financing that matches your investment strategy.
Denver's housing sector is characterized by strong demand, limited supply, and ongoing growth supported by the city's thriving tech industry, aerospace employers, and quality of life. Key trends shaping the market in 2025 include:
Local hard money lenders help investors compete by offering:
Typical renovation timelines vary across the metro area:
Local ARV expertise represents the most important factor when evaluating hard money lenders. Denver's neighborhood markets vary dramatically in pricing, making regional knowledge essential:
Closing timeframes distinguish strong lenders from the rest:
Real estate investors in Denver need lenders who offer a range of loan options that align with different project goals. The right hard money lender should provide flexible solutions based on your strategy, timeline, and exit plan.
Groundfloor Lending offers all four of these loan types, giving Denver investors flexibility as their portfolios grow. Whether you're flipping in Arvada, refinancing a rental in Capitol Hill, or building new construction in Stapleton, we help you match the right loan to your project. Loan-to-Cost ratios typically go up to 90%, though select programs may offer up to 100% LTC for highly qualified borrowers. We also simplify the hard money loan application process to make funding faster and more accessible.
Pricing and fee structures help investors compare options effectively. In 2025, Groundfloor Lending offers:
Rate Structure
Standard Fees
At Groundfloor Lending, we fund real estate investments in as little as two weeks, depending on the complexity of the deal and your experience level. We don’t require tax returns or hard credit pulls, and we streamline the hard money loan application process for a faster close. None of our loans include monthly payments.
We support Denver investors through an efficient, technology-driven process that eliminates much of the paperwork that slows traditional lenders. Our escrow-managed draw system ensures that rehab funds are delivered quickly as work is completed.
We offer loans from $75,000 to $2.5 million, with 12- or 18-month terms. Interest rates start around 10%, aligning with current hard money rates, with pricing based on borrower experience and deal structure. We lend up to 70% of ARV and typically up to 90% of project costs, with the potential for 100% LTC for qualified borrowers.
Key Advantages for Denver Investors
To streamline your loan approval, prepare these materials in advance:
Required Documentation
Denver-Specific Considerations
Colorado lending regulations also include:
Borrower Protections
Start your title search early to identify potential issues like easements, shared driveways, or unclear boundaries. While most searches take about two weeks, complex situations can take longer.
Hard money loan interest rates in Denver range from 9% to 14% annually in 2025, with rates starting around 10% for qualified borrowers. Lenders usually charge 2% to 4% in origination points.
Top lenders can close in as little as 5 to 10 days. Most others close within 2 to 3 weeks, depending on the complexity of the deal. Some lenders offer expedited options for additional fees.
Most Denver lenders offer up to 70% of After Repair Value (ARV) and 90% of project costs. Some programs may allow up to 100% LTC for experienced investors.
No. Groundfloor Lending and many other hard money lenders focus on the asset, not your credit score. We require a minimum credit score of 640.
You'll need a signed purchase agreement, scope of work, contractor estimates, and proof of funds. Tax returns and income statements are generally not required.
Groundfloor Lending requires three months of minimum interest if the loan is paid off early within the first three months. After that, there are no prepayment penalties.
We finance non-owner-occupied single-family homes, condos, 2-4 unit properties, and some commercial real estate.
Renovation funds are released in phases. After each inspection, funds are disbursed for completed work.
Denver’s growing real estate market rewards investors who move quickly with the right financing partner. At Groundfloor Lending, we provide the best hard money lending experience you need to compete in a fast-moving environment where timing can make or break a deal. When traditional banks can't keep up, we offer a smarter, faster alternative.
Success in this market means working with a lender who understands Denver’s neighborhoods, project types, and timeline expectations. We understand that every real estate investor has different goals and needs. We help you align the right loan product with your investment strategy, whether you're flipping a home, building new construction, refinancing, or holding for rental income.
We encourage every investor to research potential lenders, check track records, and build relationships before the next opportunity arises. At Groundfloor Lending, one of Denver's best hard money lenders, we work best with borrowers who are prepared, professional, and ready to execute.
When you're ready to take your Denver real estate investments to the next level, we're here to help. Our competitive rates, fast approvals, and local expertise make us a reliable partner for serious investors. Let us help you move faster, close with confidence, and turn your next project into a success.
Looking for more insights? Read another Denver real estate investment blog or visit our Denver homepage to learn more.