Trusted Hard Money Loans in Denver, CO

Hard Money Loans in Denver, CO

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If you’re working on a real estate project in Denver and need fast, no-nonsense funding, RTI Bridge Loans is here to help. We provide hard money loans in Denver, CO for real estate investors, developers, and business owners who can’t afford to wait weeks for a traditional bank loan. From fix-and-flips and multifamily rehabs to commercial real estate investments, we offer quick approvals and flexible funding options that get deals done.

Our team understands the Denver real estate landscape and works with you to secure the financing you need; fast and hassle-free. When banks say no, we step in with funding based on your property’s value, not your credit score.

Reliable Hard Money Lending in Denver, CO?

At RTI Bridge Loans, we believe that access to capital shouldn’t be complicated. Traditional lenders tend to put borrowers through a long process with strict credit requirements and endless paperwork. We do things differently.

Our loans are asset-based, which means we focus on the potential and current value of your property. This approach allows us to approve loans quickly, usually within 24 hours, and fund them within a few days. We’re here to help you move quickly; because real estate deals don’t wait.

Bridge Loan Program

Commercial Lending Specifications

PRODUCT DESCRIPTION
Loan Term 1-2 Years
Loan Amount $250,000 to 20,0000,000
Lending Area California | Nevada | Colorado
Trust Deeds 1st & 2nd TD's
Loan-to-Value Up to 75%
Interest Rate Starting at 8.75%
Origination Fee 1 to 3 Points
Prepayment Penalty Not Required
Closing Time 7 to 15 Days
Interest Reserve No Payments for 6 Months
LENDING SCENARIOS Time Sensitive Transactions
  • 1031 Exchanges
  • Expiring Purchase Contracts
  • Balloon Payments
  • Partnership Buyouts
Distressed Scenarios
  • Bankruptcy Restructurings
  • Foreclosure Loans
  • Discounted Payoff
  • Agreements
Value Add
  • Renovation Loans
  • Tenant Improvements
Cash Out
  • All Cash Dispersed at Closing
  • No Fund Control
COLLATERAL
  • Multifamily | Office | Retail
  • Mixed Use | Luxury Residential

Denver Real Estate Market Overview

Denver’s real estate market has shown resilience and growth, making it a smart location for real estate investment. As of early 2025:

  • The median home price in Denver is around $615,000, according to Redfin, with a moderate year-over-year increase.
  • Homes typically spend about 30 days on the market (down from previous years) indicating solid buyer activity.
  • Rental demand remains strong, with average monthly rents for 2-bedroom apartments hovering around $2,150, driven by population growth and job opportunities.
  • The commercial market has seen a resurgence, especially in areas like RiNo and Cherry Creek, with growing interest in retail, mixed-use, and multifamily development.

 

With ongoing development and demand for both residential and commercial properties, Denver remains an attractive place for investors, and access to fast funding is key to success.

Our Hard Money Loan Programs

We provide a variety of loan types designed to meet different investment goals. Some of the most common loan programs include:

  • Bridge Loans: Temporary financing to help you close quickly and transition to long-term funding later.
  • 1031 Exchange Loans: Meet tight deadlines for like-kind property exchanges with no delays.
  • Refinancing for Balloon Payments: Keep your property by refinancing before your loan matures.
  • Fix-and-Flip Loans: Get the capital you need to purchase and renovate properties for resale.
  • Cash-Out Refinance Loans: Tap into your property’s equity to fund new opportunities.
  • Foreclosure Prevention Loans: Avoid losing valuable assets with fast emergency funding.
  • Partnership Buyout Loans: Secure the cash needed to buy out a partner and take full control of your investment.

These loan types offer real solutions for real investors without the red tape.

Property Types We Finance

Our loans are suitable for a wide range of properties in Denver, including:

  • Single-family rental properties
  • Multifamily homes and apartment buildings
  • Retail storefronts and shopping centers
  • Office buildings
  • Mixed-use properties
  • High-end residential investment properties
  • Industrial and warehouse facilities
 

If your deal makes sense and the property has solid value or upside potential, we’re ready to fund it.

Why Choose RTI Bridge Loans for Hard Money Loans in Denver?

At RTI Bridge Loans, we bring experience, speed, and flexibility to the table. Here’s what makes us a go-to choice for Denver investors:

  • Fast Turnaround: Get a decision within 24 hours and funding in days, not weeks.
  • Flexible Structures: We work with you to set up loan terms that match your investment timeline.
  • Less Paperwork: We skip the bank-style underwriting and make it easy to apply.
  • Investor-Focused: Our team knows the ins and outs of real estate investing. Don’t worry, we speak your language.
  • Local Market Understanding: We keep up with trends in Denver’s real estate scene so we can better support your strategy.

Applying for a Hard Money Loan in Denver is Easy

We make the process fast and simple so you can focus on your investment. Here’s how it works:

  1. Get in Touch – Call or email us to talk through your project and funding needs.

  2. Submit Basic Info – Send us details about the property and your investment plan.

  3. Review and Approval – We evaluate your request quickly and present your options.

  4. Close and Fund – Once approved, we move fast to get money in your hands.

No long waits. No credit score hoops. Just fast and reliable capital.

Real Estate Investment Opportunities in Denver

Denver offers plenty of potential for savvy real estate investors. A few reasons it stands out:

  • Strong Population Growth: Denver has added over 115,000 residents in the last decade, driving housing demand.
  • Tech and Business Hubs: With major employers in tech, aerospace, healthcare, and finance, Denver attracts talent and supports a strong rental market.
  • Neighborhood Revitalization: Areas like Five Points, Sloan’s Lake, and Sun Valley are seeing significant redevelopment and investment interest.
  • Short-Term Rental Potential: While regulations exist, select areas in Denver still support profitable Airbnb and short-term rental strategies.

With the right financing in place, you can act quickly and take advantage of these opportunities.

Recently Funded Hard Money Loans

JUST CLOSED in Long Beach! This was a multiple collateral 1st and 2nd TD loan at $5,400,000 needed for a

A developer was just completing and leasing up a large mixed use project in Santa Clarita. His construction loan had

$412,500 1st TD Bridge Loan Closed in Valley Center CA! Borrower needed fast capital to close on a below market

Who Can Benefit From a Hard Money Loan?

Hard money loans aren’t just for seasoned investors. They’re great for:

  • First-time investors looking to flip a property
  • Landlords expanding their rental portfolio
  • Developers working on short-term construction or rehab projects
  • Business owners purchasing commercial real estate
  • Buyers needing fast funding for time-sensitive deals

If the deal makes sense and there’s strong property value, we can help make it happen.

Benefits of Hard Money Lending

Compared to traditional financing, hard money loans offer real advantages:

  • Quick Access to Capital: Move on deals without waiting for bank approvals.
  • Fewer Requirements: No need for perfect credit or extensive financial history.
  • Higher Loan Amounts: Fund larger deals without conventional loan caps.
  • Use Equity Wisely: Turn your property’s value into working capital.
  • Keep Control: Avoid relying on outside investors or giving up equity.

Work with RTI Bridge Loans in Denver

Looking for a hard money lender in Denver, CO? RTI Bridge Loans is ready to be your financing partner. With our fast funding process, asset-based approvals, and deep understanding of real estate investing, we’re here to help you move forward with confidence.

Call us today at (562) 857-2285 to discuss your project and secure the capital you need without the stress.

Frequently Asked Questions

Not very. We base our loans primarily on the value of your property and your plan for the investment. Credit is a secondary factor.

In many cases, we can approve loans within 24 hours and fund within just a few days.

Terms vary based on the project and property but typically range from 6 months to 3 years. We’ll work with you to find the right structure.

Yes. We regularly lend on properties that need renovations or are distressed. We see potential, not just current condition.

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