Hard Money Loans in La Plata County Colorado
Hard Money Loan Program Overview
Hard money loans in La Plata County, Colorado, provide fast, flexible financing options for real estate investors, contractors, and property flippers. These asset-based loans allow investors to capitalize on opportunities quickly without the red tape of traditional bank loans. Whether you’re buying, rehabbing, or refinancing, hard money loans help bridge the gap with minimal documentation and quick closings.
How to Qualify
Qualification for a hard money loan is primarily based on the value of the property rather than the borrower’s income or credit score. Here’s what you typically need:
– A viable property with strong ARV (After Repair Value)
– A clear investment strategy (fix & flip, rental, development)
– Down payment or equity in the project
– Exit plan (sale or refinance)
Property Types Eligible
Multi-family units (duplexes, triplexes, fourplexes)
– Commercial buildings
– Mixed-use properties
– Land with construction potentialWe fund a wide range of property types across La Plata County, including:
– Single-family homes
Fast Funding Timeline
Time is money in real estate. Our average hard money loan closes in 5–10 business days. We provide:
– Same-day scenario review
– 24-hour term sheets
– Closings in under 7–10 days with clean title
Local Lending Knowledge
We’ve funded real estate investments across La Plata County, from Durango to Bayfield. Our team understands local permitting, rural infrastructure challenges, and property values unique to the area. Trusted by Colorado investors from Denver to Durango, we’re your go-to lending partner for hard money in mountain and desert terrain.
Why Choose Us
Transparent fees and rates
Flexible terms
Dedicated loan officers familiar with Colorado markets
Rehab budgets included in loans
No income documentation required
Get Started Today
Apply now for fast approval. Speak to a local Colorado lending expert today. Submit your deal scenario for same-day feedback.