Doing a Brrrr Deal in Denver. Who I… AI recommendations | Parse
Doing a BRRRR deal in Denver. Who is the best hard money lender in Colorado right now?
Data as of Sep 24, 2026 · Based on 342 AI responses from ChatGPT Search and Google AI Mode · See how Parse measures this
For your BRRRR deal in Denver, Montegra Capital is highly recommended for its deep local experience and ability to close in as little as 7 days. If you specifically need cash-out refinancing on a new property with short seasoning, Easy Street Capital is a strong choice due to its specialized loan terms. Several other local lenders like and Pinetree Financial are also frequently cited for their reliability and fast, flexible funding processes.
Best for local Denver investors needing speed and reliability. With over 50 years of experience, they provide direct, transparent financing and can close in as little as 7 days, though they prioritize local market expertise.
Best for BRRRR cash-out refinancing. They offer competitive rates and allow you to cash out based on a new appraised value with seasoning periods as short as 3 months, making it ideal for those focused on scaling a rental portfolio.
For a Denver BRRRR, I’d focus less on a generic “best hard-money lender” ranking and more on who can fund purchase + rehab, then transition cleanly into a DSCR/refi exit.
Based on current Colorado lender offerings, these are the ones I’d put on your call list:
Salt Funding - Hard Money Lender — particularly relevant to BRRRR. They explicitly offer a Bridge to Rental program designed for buying/updating a property and refinancing to pull cash back out. They’re Colorado-owned, direct, and say they can often provide same-day commitments.
Tabs LLC — Denver-area direct lender offering fix-and-flip plus buy-and-hold bridge financing. Their published example is up to 70% ARV, 6–12 months, with terms sheets commonly within 1–2 days.
— worth getting a quote from if you value an investor-focused lender and an established lending operation.
Aloha Capital — Boulder-based private lender focused on residential investor projects, including BRRRR/fix-and-hold, so it's another relevant comparison.
Montegra Capital Resources, LTD — a long-established Colorado direct lender. They've been lending in Colorado for 50+ years and advertise closings as quickly as 7 days.
If it were my deal
Salt Funding would be one of my first calls because their product is explicitly structured around the BRRRR sequence rather than merely being a generic flip loan. But I would not choose a lender until comparing the actual term sheets—especially rate, points, max LTC/LTV, rehab funding, draw fees, extension fees, minimum interest, and whether they'll lend based on the projected ARV.
For a BRRRR, the critical question is actually:
“What will my total cash-in be, and how much can I realistically pull back out at the refinance?”
A lender offering 90% of purchase price can be worse for your deal than one offering a lower headline LTV but funding more rehab and giving you a clean exit.
If you give me purchase price + ARV + rehab budget + expected rent + your credit score/experience + whether it's SFR/2–4 unit, I can compare the Colorado lenders against your exact BRRRR numbers and show you which structures minimize your cash left in the deal.
Pine Financial Group - 10288 W Chatfield Ave #200, Littleton, CO 80127, United States
Aloha Capital - 3601 Arapahoe Ave Bldg D Unit 178A, Boulder, CO 80303, United States
Hard Money Mike - 2305 E Arapahoe Rd Ste 100, Centennial, CO 80122, United States
Capital Fund 1 - 1425 Market St Ste 225, Denver, CO 80202, United States
Lead Funding - 7400 E Orchard Rd #3000n, Greenwood Village, CO 80111, United States
Indicate Capital - 3615 Delgany St #510, Denver, CO 80216, United States
Montegra Capital Resources, LTD - 3200 Cherry Creek S Dr #200, Denver, CO 80209, United States
Bridge Capital Resources, LLC - 7350 E Progress Pl #100, Greenwood Village, CO 80111, United States
Ginna Stauble, Investor Friendly Lender & REALTOR® - 307 E Oak St, Lafayette, CO 80026, United States
For a Denver BRRRR deal, I wouldn’t pick a “best” lender universally — the right lender depends on whether your bottleneck is speed, leverage, rehab draws, experience level, or the refinance exit. That said, these are some of the Colorado lenders I’d put on a short list to quote against each other right now.
Denver-based private lender focused on asset-backed investor financing.
If I were shopping a BRRRR term sheet, I’d compare:
Loan-to-cost (LTC)
Can they fund purchase + rehab, or only a percentage?
ARV limit
Many BRRRRs live or die on the appraisal/refi math.
Draw process
How quickly do they release rehab funds?
Extension fees
Denver permits and contractors can easily stretch timelines.
Refi friendliness
Ask whether they regularly lend on deals that exit into DSCR loans.
Seasoning requirements
Some refinance lenders care how long you’ve owned the property.
For a typical Denver BRRRR, I’d probably get quotes from:
Pine Financial Group
Aloha Capital
Hard Money Mike
Capital Fund 1
one national lender such as Kiavi or Lima One Capital for a pricing benchmark.
If you give me the purchase price, ARV, rehab budget, property type (SFR/duplex/etc.), and your experience level, I can help you identify which lender profile is likely to fit and what terms you should push for.
Merchants Mortgage and Trust Corporation, Capital Fund I , and Kiavi are among the top-performing and most active hard money lenders in the Colorado and Denver markets.
Because a successful BRRRR (Buy, Rehab, Rent, Refinance, Repeat) strategy requires a seamless transition from a short-term bridge/rehab loan into a long-term rental or cash-out refinance, the "best" lender depends on whether you prioritize local relationship-lending speed or streamlined national tech-forward financing.
Top Hard Money Lenders for Colorado BRRRR Deals
Merchants Mortgage and Trust Corporation : A long-standing local Colorado institution that consistently ranks #1 in loan volume across the state. They are deeply familiar with the Denver metro neighborhoods and excel at structuring common-sense, asset-based private loans without institutional red tape.
Capital Fund I : Highly active in the Denver market with a reputation for fast approvals (often under 48 hours) and closing deals based primarily on the property's equity and value rather than personal income verification or tax returns.
Kiavi : A leading national tech-enabled lender with massive volume in Colorado. They offer competitive short-term fix-and-flip/rehab rates and streamlined transitions into long-term DSCR (Debt Service Coverage Ratio) rental loans, which makes them ideal for the "Repeat" and "Rent" phases of a BRRRR.
Pine Financial Group (PFG Fund) : A staple local Colorado hard money and private lending group that specializes in working with local investors, offering educational support, funding for the purchase and rehab, and guidance tailored specifically to local strategies like BRRRR and wholesaling.
Easy Street Capital : Nationally recognized for competitive leverage on fix-and-flip and bridge financing, offering flexible terms for investors looking to scale rental portfolios in markets like Denver and Colorado Springs.
Key Considerations for a BRRRR Loan in Denver
Exit Strategy / Refinance Integration: Ensure your hard money lender allows a smooth transition or offers an in-house long-term DSCR rental loan option to refinance out of the short-term bridge loan, minimizing costly secondary refinancing fees.
LTC / LTV Limits: Look for lenders offering high percentages of purchase and 100% of rehab costs (like Kiavi ) to preserve your working capital for unexpected Denver contracting and material costs.
Prepayment Penalties: Check for early payoff penalties. A true BRRRR relies on refinancing as soon as the rehab is done and the tenant is placed; you want a short-term loan structure that doesn't penalize you for paying off the principal in 4 to 6 months.
If you can share your estimated purchase price, rehab budget , and expected after-repair value (ARV) , I can help you narrow down which of these lenders fits your specific leverage and cash-flow targets.
Pine Financial Group - 10288 W Chatfield Ave #200, Littleton, CO 80127, United States
Capital Fund 1 - 1425 Market St Ste 225, Denver, CO 80202, United States
Hard Money Mike - 2305 E Arapahoe Rd Ste 100, Centennial, CO 80122, United States
Indicate Capital - 3615 Delgany St #510, Denver, CO 80216, United States
Lead Funding - 7400 E Orchard Rd #3000n, Greenwood Village, CO 80111, United States
RJ Baxter - NEO Home Loans - 9200 E Mineral Ave #100, Centennial, CO 80112, United States
Montegra Capital Resources, LTD - 3200 Cherry Creek S Dr #200, Denver, CO 80209, United States
Colorado Real Estate Finance Group - 6075 S Quebec St #100, Englewood, CO 80111, United States
Aloha Capital - 3601 Arapahoe Ave Bldg D Unit 178A, Boulder, CO 80303, United States
Ty Coutts - Aslan Home Lending - 1777 S Harrison St, Denver, CO 80210, United States
The Cash Flow Company - 2305 E Arapahoe Rd, Centennial, CO 80121, United States
Tabs LLC - 7907 Zenobia St, Westminster, CO 80030, United States
Ginna Stauble, Investor Friendly Lender & REALTOR® - 307 E Oak St, Lafayette, CO 80026, United States
Kiavi - 271 North Shore Drive Ste 201, Pittsburgh, PA 15212, United States
If you're doing a Denver BRRRR, I’d put Pine Financial Group at the top of my call list—but I would shop 3–4 lenders simultaneously, because the “best” lender depends heavily on your purchase price, ARV, rehab budget, experience, and how much cash you want left in the deal.
Colorado-based private lender with a long history in investor lending.
Particularly interesting for BRRRR because they understand the acquire → rehab → refinance cycle rather than just looking at it as a flip.
Their founder has specifically discussed the changing economics of BRRRR in Denver, which tells me they're actively underwriting these deals rather than blindly pushing a product.
Best for: relationship lending and a lender who understands the Denver investor market.
Strong option for purchase + rehab and, importantly for BRRRR, they offer investment-property refinance/cash-out financing as well.
Their Denver operation specifically targets non-owner-occupied investment properties.
Best for: a straightforward acquisition/rehab where you want a lender capable of staying involved through the financing cycle.
Easy Street Capital
Worth getting a quote from. They currently advertise Colorado hard-money rates starting around 8.90% with 0–2 points, and their fix-and-flip program advertises up to 93% LTC / 75% LTV depending on the deal.
Best for: maximizing leverage and keeping your cash-in low.
Denver-based private lender doing acquisition, fix-and-flip and bridge financing.
I'd include them when you're comparing genuinely local lenders rather than only national platforms.
What I'd actually do
For a BRRRR, don't simply ask:
“What's your hard-money rate?”
Ask each lender for a written term sheet using the exact same deal:
Purchase price
Rehab budget
ARV
Requested loan amount
LTC
LTV based on ARV
Interest rate
Points
Minimum interest
Draw fees
Inspection fees
Extension fees
Prepayment penalty
Closing time
Whether interest is charged on undrawn rehab funds
Whether they'll finance 100% of rehab
Whether they'll lend based on ARV
What their takeout/refinance requirements are
That last one is crucial. A lender can look amazing at 10%/1 point, but if your eventual DSCR lender won't recognize the property value or requires seasoning you didn't anticipate, the BRRRR can get wrecked.
For context, current Denver hard-money pricing is roughly in the 9–13%+ range, with points commonly around 2–4 depending on the borrower and deal; some Colorado lenders are advertising materially better terms for stronger files.
If you give me the numbers—purchase price, ARV, rehab, monthly rent, your credit score, and whether you've done flips before—I can tell you what I think you should be targeting for the loan structure and which of these lenders I'd call first.
For a BRRRR (Buy, Rehab, Rent, Refinance, Repeat) strategy in Denver, you need a hard money lender who doesn't just fund the purchase and rehab quickly, but whose terms won't kill your ARV (After Repair Value) refinance metrics or hit you with massive prepayment penalties when you transition out of the short-term loan.
Top local and regional hard money lenders active in the Colorado market include:
Montegra Capital Resources : A Denver staple that has been operating locally for over 50 years. They specialize in bridge and rehab loans with fast local decision-making and deep knowledge of the front range market. They are great if you value a relationship-based, local portfolio lender. Check their terms on Montegra Capital.
Indicate Capital : Another Denver-based private lender that explicitly focuses on short-term acquisition, renovation, and repositioning projects for Colorado real estate investors. They understand local neighborhoods and project execution.
Capital Fund 1 : Known for fast funding and asset-based underwriting (less friction with tax returns or personal income verification). They handle fix-and-flips, multi-family, and bridge financing across Colorado, offering quick 24-to-48-hour approvals. Explore their criteria via Capital Fund 1.
Juniper Capital : A prominent regional private lender providing short-term real estate financing across Colorado. They are frequently utilized by local investors looking for reliable leverage on residential and multi-family fix-and-holds.
When evaluating them for a BRRRR, make sure to grill them on:
The "R" to "R" transition: Do they offer an in-house long-term debt product (DSCR loan) to roll into, or will you need to refinance with an outside bank/broker? (Rolling it internally often saves on closing costs).
Prepayment penalties: Ensure there is no aggressive lock-out period or penalty that penalizes you for refinancing out of the hard money loan in month 4 or 6 once the rehab is done and the tenant is placed.
Rehab draw process: A slow draw schedule will stall your contractor and kill your velocity. Ask how fast they turn around inspection requests for draws.
To help narrow down the best fit, tell me:
What is your estimated purchase price and rehab budget?
Do you already have a exit/refinance strategy lined up (like a DSCR loan), or do you need a lender who does both the front-end and the long-term refinance?
When executing a BRRRR (Buy, Rehabilitate, Rent, Refinance, Repeat) strategy in Denver, the "best" hard money lender isn't just about who has the lowest headline interest rate—it’s about speed of acquisition/rehab funding and, crucially, a smooth exit into a long-term debt product (or working with a lender who understands the refinance leg).
Top-tier and reputable hard money/private lenders actively servicing the Denver and Colorado Front Range market include:
Colorado Hard Money (Fairview Commercial Lending) : Operating locally for decades, they are a direct portfolio lender based right in Colorado. For a BRRRR, their huge advantage is that they underwrite and service in-house with no outside loan committees, and they frequently don't require external appraisals, allowing them to close in 5–10 days.
Easy Street Capital : A prominent national lender with a strong footprint in Colorado. They are very popular for investors running fix-and-flip and BRRRR strategies because they offer high leverage (up to 93% LTC on flips) and transition well into DSCR (Debt Service Coverage Ratio) long-term rental loans for the "Refinance" portion of your BRRRR.
Capital Fund 1 : Known locally in the Denver market for fast approvals (under 48 hours) and quick closes. They focus heavily on the asset value/after-repair value (ARV) rather than heavy personal income verification or tax returns, which helps keep momentum going on fast-moving MLS or off-market properties.
Montegra Capital Resources : A staple direct local lender in Denver with over 50 years in business. They are heavily relationship-driven and great if you have a slightly larger or more commercial-leaning multi-family project, offering quick-close bridge loans with minimal red tape.
Key BRRRR Questions to Ask These Lenders:
What is your draw process for the rehab funds? (A slow draw process kills a BRRRR timeline).
Do you offer an in-house refinance (DSCR) option once seasoning is met? (Working with a lender who can fund the front-end hard money and roll you into a long-term rental loan minimizes refinancing friction).
What are the prepayment penalties? (Crucial, since you plan to refinance out of the hard money loan relatively quickly).
To help narrow down the best fit, tell me:
What type of property is it (single-family, small multi-family, etc.)?
Are you planning to use an in-house refinance with the same lender or shop a separate portfolio/DSCR lender for the exit?
Tabs LLC - 7907 Zenobia St, Westminster, CO 80030, United States
Pine Financial Group - 10288 W Chatfield Ave #200, Littleton, CO 80127, United States
Capital Fund 1 - 1425 Market St Ste 225, Denver, CO 80202, United States
Indicate Capital - 3615 Delgany St #510, Denver, CO 80216, United States
Hard Money Mike - 2305 E Arapahoe Rd Ste 100, Centennial, CO 80122, United States
The Cash Flow Company - 2305 E Arapahoe Rd, Centennial, CO 80121, United States
Lead Funding - 7400 E Orchard Rd #3000n, Greenwood Village, CO 80111, United States
Aloha Capital - 3601 Arapahoe Ave Bldg D Unit 178A, Boulder, CO 80303, United States
Montegra Capital Resources, LTD - 3200 Cherry Creek S Dr #200, Denver, CO 80209, United States
Ginna Stauble, Investor Friendly Lender & REALTOR® - 307 E Oak St, Lafayette, CO 80026, United States
Bridge Capital Resources, LLC - 7350 E Progress Pl #100, Greenwood Village, CO 80111, United States
If you’re doing a Denver BRRRR right now, my first call would be TABS Lending, with Pine Financial and Capital Fund 1 as the next two quotes I’d get.
My shortlist
#1 — Tabs LLCBest overall for a Colorado-specific BRRRR. They’re Denver-area based, lend throughout Colorado, and specifically advertise buy-and-hold, fix-and-flip, and rehab financing. Their published example is up to 70% ARV, 6–12 month terms, and closing as fast as 7 days. They also emphasize that you deal directly with the decision-maker. TABS, LLC -Hard Money Lender ColoradoWhy I like them: local underwriting + BRRRR/rehab experience + potentially fast execution.
#2 — Pine Financial Group
A strong choice if you want an established Colorado private lender and potentially a more relationship-oriented lender. Their local reputation is excellent, and they're specifically focused on real-estate-investor lending.
Why I like them: good fit for repeat investors and someone who wants a lender relationship rather than simply the cheapest quote.
#3 — Capital Fund 1
Worth getting a quote if your priority is leverage and execution. They specialize in non-owner-occupied investment property financing, including acquisition/refi scenarios.
useful comparison point against a smaller Colorado lender.
The important part for a BRRRR
I wouldn't choose based on the lowest advertised interest rate. For your deal, I'd compare:
Initial LTV / LTC
Maximum ARV
How much rehab they fund
Points + lender fees
Interest-only payment
Minimum interest / prepayment penalty
Extension fees
Draw turnaround
Whether they'll lend based on the stabilized value
Most importantly: the DSCR/refi lender's seasoning requirement
That last one can make or break a BRRRR. A lender can give you fantastic acquisition financing and still leave you unable to pull your capital back out at refinance.
For context, current Denver hard-money offerings vary substantially: published local examples range from roughly 9% to 11.5%+, with leverage and fees varying considerably by lender and borrower.
If you give me the Denver deal's purchase price, rehab budget, ARV, expected rent, and your approximate credit/experience, I can run the BRRRR numbers and tell you exactly what loan structure I'd shop for—and which 3 lenders I'd call first.
Doing a BRRRR (Buy, Rehabilitate, Rent, Refinance, Repeat) deal in the Denver market requires a lender who doesn't just fund the initial purchase and rehab (the hard money/bridge side), but ideally has a clear path or product transition into a long-term DSCR (Debt Service Coverage Ratio) rental loan for the "Refinance" leg.
Several prominent and highly-rated hard money and private lenders active in the Colorado/Denver market cater specifically to investors executing this strategy:
Hard Money Mike : Based locally in the Denver metro area (Centennial/Littleton), Mike and his team are deeply embedded in the local real estate investor community. They are known for relational, human-to-human service, flexible asset-based underwriting (ignoring strict FICO hangups), and competitive leverage options including up to 100% of rehab costs. They are a great local touchpoint if you want a team that understands Denver neighborhood-by-neighborhood ARVs (After Repair Values).
Easy Street Capital : A nationwide private lender that is exceptionally popular for BRRRR investors because they explicitly design programs for the full cycle. They feature short-term bridge/fix-and-flip financing (EasyFix ) that transitions smoothly into long-term DSCR rental loans (EasyRent ). If your main bottleneck in a BRRRR is friction during the refinance stage, using a national portfolio lender with unified in-house staging can streamline the exit.
Capital Fund 1 : Highly active across Arizona and Colorado, Capital Fund 1 focuses heavily on the asset value rather than tax returns or personal income verification. They offer fast 24-to-48-hour approvals and quick closes, which is vital when competing on distressed or off-market properties in Denver’s competitive pockets.
Montegra Capital Resources : A direct, local Denver-based lender with over 50 years of operating history in the Rocky Mountain region. They lean a bit more traditional/conservative compared to aggressive short-term flippers, but their longevity, lack of broker red tape, and deep local capital make them very reliable for residential transition and multi-family bridge loans.
To help narrow down the ideal fit for your specific property, let me know:
What is the purchase price and estimated rehab budget?
Do you already have the property under contract or are you still shopping?
Do you prefer a local Denver boutique lender or a national lender with an integrated long-term DSCR refinance product?
Pine Financial Group - 10288 W Chatfield Ave #200, Littleton, CO 80127, United States
Hard Money Mike - 2305 E Arapahoe Rd Ste 100, Centennial, CO 80122, United States
Indicate Capital - 3615 Delgany St #510, Denver, CO 80216, United States
Capital Fund 1 - 1425 Market St Ste 225, Denver, CO 80202, United States
Lead Funding - 7400 E Orchard Rd #3000n, Greenwood Village, CO 80111, United States
Montegra Capital Resources, LTD - 3200 Cherry Creek S Dr #200, Denver, CO 80209, United States
Tabs LLC - 7907 Zenobia St, Westminster, CO 80030, United States
Aloha Capital - 3601 Arapahoe Ave Bldg D Unit 178A, Boulder, CO 80303, United States
The Investor's Source LLC - 118 E 29th St, Loveland, CO 80538, United States
Hard Money Mike - 1101 W Mineral Ave, Ste 101, Littleton, CO 80120
The Cash Flow Company - 2305 E Arapahoe Rd, Centennial, CO 80121, United States
Alex Reid - 1777 S Harrison St, Denver, CO 80210, United States
Integrity Mortgage - 6825 E Tennessee Ave #415, Denver, CO 80224, United States
If you’re doing a Denver BRRRR right now, my first call would be Kiavi, with Pine Financial Group and Lima One Capital as the two local/alternative quotes I’d get before locking anything up.
My shortlist
Kiavi — best overall for a BRRRR
Specifically supports the full BRRRR cycle: acquisition/rehab financing and the subsequent DSCR rental refinance.
Currently advertises fix-and-flip/bridge rates as low as 7.75%, up to 100% of purchase price, up to 80% ARV, and 100% of rehab costs, subject to underwriting.
This is a big advantage because you don't necessarily have to find a second lender when you stabilize the property.
Colorado-based private lender with a strong investor focus.
I'd seriously consider them if the deal has something unusual about it or you value a lender who will actually talk through the project rather than just run it through an algorithm.
Their local reputation is particularly strong, with a 5.0 rating from 29 reviews in the current business results.
Lima One Capital — best institutional alternative
Offers Colorado-specific fix-and-flip, rental, bridge and other investor financing.
A current Denver hard-money comparison lists Lima One as its top-rated Denver lender, with advertised rates starting around 9%.
Worth quoting against Kiavi because the actual winning lender depends heavily on your leverage, experience and property.
Denver-based private lender doing short-term acquisition/bridge financing for investors.
Worth putting in the quote round, especially if speed and customized structuring matter.
What I'd do with your deal
Don't ask "Who has the lowest rate?" Ask each lender for the same term sheet and compare:
Purchase LTV / LTC
ARV LTV
Rehab funding percentage
Interest rate
Points
Origination/application fees
Draw fees
Minimum interest
Extension fees
Prepayment penalty
Personal guarantee requirements
Closing timeline
Whether they'll do the DSCR refinance afterward
Whether the refinance has seasoning requirements
For a BRRRR, the refinance terms can matter more than saving 0.5% on the acquisition loan. Kiavi is particularly interesting because it explicitly structures both sides of the BRRRR strategy.
My ranking for your specific strategy:Kiavi > Pine Financial > Lima One > Hard Money Mike > Indicate Capital.
If you give me purchase price, rehab budget, ARV, expected rent, your credit score, and how many flips you've done, I can run the Denver BRRRR numbers and tell you which lender/loan structure I'd pursue and what the maximum purchase price should be.
When executing a BRRRR deal in the Denver market, the "best" hard money lender isn't just about who has the lowest headline interest rate—it's about who offers reliable leverage (like 100% rehab funding and strong After Repair Value percentages), speed of execution, and crucially, a clear path or recommendation for the Refinance (the "R" that makes or breaks the strategy).
Top-rated and active direct hard money/private lenders servicing the Denver and Colorado real estate market include:
Fairview Commercial Lending (Fairview Lending)
A staple in Colorado private lending since 1975 with an A+ BBB rating. They are a direct, local portfolio lender meaning you talk directly to the decision-maker. They are transparent with no hidden junk fees and straightforward on what they can and cannot fund.
Capital Fund 1 (Capital Fund 1)
Extremely popular for fix-and-flip and transitional bridge loans in Denver. They focus heavily on the property's asset value rather than deep personal income verification or tax returns, and they can move rapidly (approvals under 48 hours, fast closes).
Montegra Capital Resources (Montegra Capital)
A veteran Denver-based direct hard money lender with decades of local market experience. Known for minimal red tape, flexibility, and quick-close bridge loans, making them a reliable local choice for residential and multi-family transitional properties.
Easy Street Capital (Easy Street Capital)
A nationwide lender with a dedicated footprint in Colorado that explicitly targets BRRRR investors. They can be a great hybrid choice if you want a streamlined bridge-to-rental/long-term debt product pipeline.
To help narrow down which lender fits your specific project, tell me:
What is the purchase price and estimated rehab budget?
Are you planning to refinance out via a commercial portfolio loan, DSCR loan, or conventional mortgage?
What kind of property type is it (single-family, multi-family, condo)?
Also worth pricing — Salt Funding - Hard Money Lender
Particularly interesting if the deal needs flexibility or you have an unusual capital-stack situation. Their offering includes bridge-to-rental/BRRRR-type financing and equity-based loans.
National alternative — BRRRR Loans
Their published fix-and-flip program advertises up to 90% of purchase, 75% ARV, and 100% of renovation costs, while their bridge product can be used for rehab.
Follow how AI answers questions like this in Hard Money Lending Services.
Salt Funding - Hard Money Lender — particularly relevant to BRRRR. They explicitly offer a Bridge to Rental program designed for buying/updating a property and refinancing to pull cash back out. They’re Colorado-owned, direct, and say they can often provide same-day commitments.
Tabs LLC — Denver-area direct lender offering fix-and-flip plus buy-and-hold bridge financing. Their published example is up to 70% ARV, 6–12 months, with terms sheets commonly within 1–2 days.
