Renovation & New Construction (Non-Recourse Available for Self-Directed Retirement Accounts)
Loan Amounts from
$100K to $5M+
1-4 unit investment
properties
90% of purchase price and 100% of renovation costs, up to 75% of After Repair Value for experienced investors. New Construction limited to 60% of as-is value, 85% of total costs, and 70% of after repair value
Rates starting at 9.375%
Loan Terms: 12-24 months
Nationwide except: CA, AZ, NV, ND,
SD, MN, VT, UT, OR, ID
Bridge Loans
(Non-Recourse Available for Self-Directed Retirement Accounts)
Loan amounts: $100K to 1.5M+
Up to 80% LTV on Purchase and Rate/Term Refinance Transactions
Up to 75% LTV on Cash-Out Refinances
No Minimum Title Seasoning for Cash-Out Refinances if $10K or more of improvements has been performed on the property
600 Minimum Minimum Credit Score
Lower credit scores are considered on exception
1-4 unit investment properties
Blanket Loans up to 10 properties
Interest Rates starting at 9.375%
Loan Terms: 12-24 months
Nationwide Except:
CA, AZ, NV, OR, ID, ND, MN, SD, UT, VT
Long Term Rental Loans
(Available in select states on a non-recourse basis)
Loan Amounts from
$75K to $5M
1-4 unit investment properties, 620 minimum mid FICO score required
Up to 85% Loan to Value for purchase, rate/term, and up to 80% Loan to Value cash-out refinance transactions in select states
Rates starting
at 6.50%
A 30 year fixed term on a single property loan or Blanket loan up to 10 properties.
Nationwide except: CA, AZ, NV, ND,
SD, MN, VT, UT, OR, ID
Bridge Loans for Investment Property: Fast Funding for Colorado Investors
If you have tried buying an investment home in Colorado, you probably have experienced how fast things move on competitively priced properties. A home in Colorado Springs, Denver, or along most of the front range that looks in great condition can quickly go under contract within a day.
Waiting weeks for a conventional mortgage? Forget it—you’ll probably lose the deal. This is why many real estate investors look to obtain a bridge loan on investment property purchases. A bridge loan is a short-term loan (generally 1-2 years max) that provides the money needed to close much quicker than a bank or traditional financing.
At Red Rock Capital, we help investors all over Colorado get bridge loans for investment property. Whether you are purchasing a home to fix and flip, buying a rental property or simply need temporary financing, Red Rock Capital makes the loan process from start to finish both simple and fast.What Is a Bridge Loan?
Imagine a bridge loan like a loan with a temporary or specific short-term purpose. That may be to “bridge” the gap between purchasing a property quickly and ultimately getting long term financing on it. Why would a real estate investor do this? Perhaps the only way to secure title to the property at the low price the seller would accept is to close within 2 weeks for example. In other words, the “deal” isn’t available using traditional financing methods. Generally speaking, these loans have terms that last between 6 months to 2 years.
The seller wants to close fast. A regular mortgage might take 30–45 days to process—and you risk losing the property to another buyer. With a bridge loan, you could get approved and be funded within 2 weeks. Your plan once you purchase it could be to renovate the property, then rent it out and refinance into a long term loan. This is often referred to as the BRRR method which stands for buy, renovate, rent, refinance, then repeat.
Bridge loans generally are geared towards the collateral value of the property and less dependent on personal credit score. This is why they are a great tool to utilize for real estate investors desiring speed and certainty in closing.Why Investors Love Bridge Loans
Here’s why people choose a bridge loan for investment property:- Fast access to cash: Close deals before someone else does.
- Flexible terms: Short-term schedules that fit your project, not the bank’s.
- Leverage: Buy new properties without selling other ones first.
- Renovation help: Fund repairs and improvements to make the property worth more.
- Opportunity: Jump on deals in a hot market without missing a beat.
In Colorado’s fast-moving markets, these loans can literally make the difference between a deal that works and one that slips through your fingers.
Who Should Consider a Bridge Loan?
Bridge loans work for a variety of real estate investors. They can assist a new investor buy their first property or a seasoned investor that owns many properties. The strategies may vary but the use of this type of loan provides ample flexibility. Often one of the more difficult tasks is to obtain a low price on an investment property. Bridge loans help accomplish this as they operate similar to the closing timeframe of a cash offer and generally have less financing contingencies that traditional loans.
- Investors looking to buy and renovate: These investors purchase, update and then typically resell the property.
- Rental property investors: Get the property and start renting before a long-term loan comes through.
- Real Estate Portfolio investors: Use bridge loans to expand their total investment real estate holdings by obtaining cash-out refinances to free up cash for additional property acquisitions.
- Self-directed IRA account holders:Are able to acquire real estate titled in the name of their retirement accounts and use non-recourse bridge loans to maximize how many properties they can obtain.
Even first-time investors can benefit from a bridge loan for investment property, especially if speed is the name of the game.
How We Make It Easy
Getting a bridge loan with Red Rock Capital is straightforward:
- Talk to us: Tell us about the property and your plans.
- We check it out: We look at the property’s value, condition, and potential cash flow.
- Get approved fast: Most people get pre-qualified same day.
- Access your funds: Close quickly and start your project.
We’ve been helping investors in Denver, Colorado Springs, along the front range, and in the mountains of Colorado for years. We know the markets, and we know how to make deals happen quickly without the typical headaches of traditional financing.
A Real Example
Take Sarah, an investor in Colorado Springs. She found a 4 unit apartment building that needed some work. A conventional mortgage would have taken a month or more to process. The seller needed to close in two weeks. Using a bridge loan for investment property from Red Rock Capital, Sarah closed in just ten days. She did the renovations, rented out the units, and had the property income stabilized within 9 months. Red Rock Capital was then able to assist her with the long term refinance to pay of the bridge loan.
That’s exactly what a bridge loan does—it gives you the time and money to acquire a property, execute the strategy, and then exit the loan by refinancing or selling the property.Why Work With Red Rock Capital
We’re not just lenders; we’re your lending partners. Investors choose us because:
- We know Colorado: From Fort Collins to Denver to Colorado Springs to Pueblo, and along the front range and mountain areas, we understand neighborhoods, trends, and property values.
- We’re flexible: Loans are structured to match your investment plan.
- We’re transparent: No hidden fees, no confusing terms, no delays.
- We get results: Hundreds of successful deals funded for local investors.
We see the big picture. Red Rock Capital not only assists investors obtain a bridge loan to purchase an investment property, we provide detailed loan proposals for the refinance transaction. Helping savvy real estate investors connect the financing dots of how they acquire properties and then refinance them unlocks a tremendous amount of value for our clients.
Ready to Take the Next Step?
If you’re thinking about a bridge loan for investment property in Colorado, now’s the time. Red Rock Capital makes it easy to get pre-qualified and get your funds fast so you can close on the next property that comes along.