SFI Loans

Hard Money Loans in Colorado Springs

SFI Loans funds 80% to 90% of the purchase price and 80% to 100% of rehab costs for Colorado Springs fix-and-flip investors, with closings in 1 to 2 weeks. No bank timelines, no waiting on your tax returns to get an answer.

Serving Colorado Springs, Pueblo, Monument, and the Tri-Lakes area.

Get Prequalified
Call 719.602.3799

Colorado Springs deal terms

What SFI Loans typically funds on a fix-and-flip

Purchase financed80%–90%
Rehab financed80%–100%
Max loan-to-ARV70%
Rate8.5%–12%
Origination1%–2%
Term6–12 months
Minimum loan$75,000
Minimum FICO640
Typical close1–2 weeks

Built for the Front Range investor

In Colorado Springs, Pueblo, Monument, and the Tri-Lakes corridor, good deals move fast, often faster than a typical mortgage lender can keep up with. SFI Loans underwrites the deal, not just your credit file, so you can move on a property the same week you find it.

  • Purchase and rehab funding for El Paso County fix-and-flips
  • 30-year rental loans qualified on the property's income and your credit score, no tax returns required
  • Non-owner-occupied 1–10 unit residential properties
  • Construction loans for ground-up new construction

You call, we answer

Every deal has some wrinkle worth talking through before it becomes a problem. Call before you write the offer, SFI Loans can evaluate and underwrite your deal even before you submit a purchase contract, often with an answer the same day. You'll know how much you can borrow and how much equity you'll need before you ever sign, so financing is never the surprise.

Call 719.602.3799

"SFI has been a seamless process. We used them for the first time last year for our first investment property. We didn't have to worry about hidden fees or the small print. Everything was explained easily and in a way we understood."

Robert Goldate, Real Estate Investor

Hard money loan questions, answered

A hard money loan is short-term financing secured by real estate rather than your income or credit history. Investors use it to buy and rehab a property fast, then repay it by selling or refinancing. SFI Loans funds 80% to 90% of the purchase price plus 80% to 100% of rehab costs, capped at 70% of the after-repair value, with closings in as little as 1 to 2 weeks.

Most Colorado Springs closings take 1 to 2 weeks from a complete application. SFI Loans will evaluate and underwrite your deal before you sign a contract, so you know financing is in place before you commit earnest money.

No. SFI Loans works with investors at every experience level, from a first fix-and-flip to a large existing portfolio. Terms are based on the property, your financial position, and your experience.

SFI Loans looks for a minimum 640 FICO score and a loan amount of at least $75,000. Rates typically run 8.5% to 12% with 1% to 2% origination, and the loan is capped at 70% of the property's after-repair value (ARV).

Ready to move on your next Colorado Springs property?

Get prequalified before you write the offer, so financing is never the reason a deal falls through.

Get Prequalified
Call 719.602.3799
What type of loans do you provide?
We provide hard money loans for purchase and rehab of single family, 1-4 units, non-owner occupied properties.  We also provide 30 year loans for tenant occupied single family 1-4 unit properties. 719.602.3799

We provide mortgages to single family investors of all experience level from new investors buying their first property to experienced investors with hundreds of properties.

We currently provide purchase/rehab loans and rental loans in Texas, Colorado, Georgia, Florida, South Carolina, North Carolina, and Tennessee

Loan programs: Hard money loans in Colorado Springs · Hard money loans in Texas · DSCR loans · DSCR loans in Texas · DSCR loans in Colorado · Construction loans · What is a hard money loan?