Hard Money Lenders in Pueblo, CO | Fix & Flip | Capital Kings LLC
Capital Kings LLC · Non-QM Mortgage Broker

Hard Money Lenders inPueblo, Colorado

Fix and flip, bridge and purchase only, DSCR rental and new construction financing for Pueblo investors. We do not lend our own money, we shop your deal across a 400+ lender network and come back with real terms you can compare on total cost.

Get a term sheet →Price a Pueblo deal

Prefer to talk it through? Call or text Micah at (281) 636-5682.

Reviewed by Micah Foster, Founder & CEO, October 2026

Price a Pueblo deal right now

Prefilled with a realistic Pueblo deal. Change any number and it reprices on the programs that lend in Colorado, with the same math as our term sheets.

Sizing your flip on the same terms as the term sheet. Get a real term sheet →

Financing a deal in Pueblo

Pueblo is a steel and rail city on the Arkansas River, and it is the most affordable large market on the Front Range. That makes it a natural place for a first flip. The housing stock is old: brick bungalows and miners’ cottages in Bessemer near the mill, Victorians and foursquares on the North Side, and post-war ranches in Belmont and on the south side. A lot of buyers here work at the hospitals, the mill, the university or commute north to Colorado Springs.

In Pueblo the age of the house is the deal. A Bessemer or Mesa Junction bungalow can be a century old, and the surprises are in the walls and under the yard: knob and tube wiring, galvanized pipe, a clay sewer line and lead paint that needs certified work if kids could live there. Low purchase prices make the numbers look easy, so scope the systems before you set the offer. The flips that go wrong here are the ones bought on cosmetics.

What a Pueblo deal looks like on paper

Pueblo example: $150,000 purchase, $45,000 rehab, $270,000 after repair value, 700 credit, first flip. The engine puts that borrower on the Best Rate program at 9.49%. Picture an early 1900s brick bungalow in Mesa Junction: roof, a sewer lateral, rewiring, lead-safe paint work, a kitchen and a bath. Every number below is what the instant term sheet prints for that deal, so the picture cannot contradict the page.

Loan amount$172,500
Cash to close$34,577
Proof of funds to show$56,262
Where the $34,577 goes
  • Down payment (15% of the purchase)You$22,500
  • Origination (0.5%)Lender$2,000
  • Lender fees (flat)Lender$1,989
  • Broker fee (1%)Broker$2,000
  • Title and closing (estimate at Texas rates)Title$3,188
  • Prepaid interest (15 days)Lender$497
  • Property insuranceInsurer$1,853
  • AppraisalAppraiser$550

Interest while you rehab: $1,008 a month on the $127,500 funded at closing, $1,364 once every draw is out. Proof of funds is cash to close plus $13,500 of rehab reserve and $8,185 of interest reserve. Sample borrower, sample address; the sheet is issued by the same engine as the borrower’s instant term sheet.

Fix and flip programs in Pueblo

Swipe the table for rates, credit and terms →

ProgramDown paymentMin creditExperienceRateOriginationMax loanTermClose
Best Rate15% of purchase700+First flip OK8.99% to 9.49%0.5%70% of ARV12 months5-14 days
New Investor Program12.5% of purchase700+First flip OK9.75%1%75% of ARV12 months72 hours
First Flip, 10% Down110% of purchase + rehab660+First flip OK9.99%2%75% of ARV12 months21-30 days
7.5% Down, 3+ Flips27.5% of purchase + rehab660+3+ completed flips9.99%1.5%75% of ARV12 months21-30 days
5% Down, 5+ Flips35% of purchase660+5+ completed flips9.99% to 10.99%2%75% of ARV9-24 months10-14 days
100% Financing, 2+ Flips40% (100% financing)620+2+ completed flips9.50% to 12.00%2.5%70% of ARV9 months7-14 days
  1. Rate 9.99% with 2% to 2.25% origination by credit; more origination buys the rate down as far as 8.99%. Loans under $150,000 add 0.5% to the rate and 0.5% to the origination, under $100,000 1.5% and 1%. Under 680 credit the loan caps at 87.5% of cost. Standard interest, charged only on funds drawn. The loan is capped at a share of purchase plus rehab, the full rehab held back for draws, and the ARV must be at least 1.25 times purchase plus rehab. Processing $500, legal $1,495 and underwriting $795.
  2. Rate 9.99% with 1.5% to 1.75% origination by credit; more origination buys the rate down as far as 8.99%. Loans under $150,000 add 0.5% to the rate and 0.5% to the origination, under $100,000 1.5% and 1%. Under 680 credit the loan caps at 90% of cost. Standard interest, charged only on funds drawn. The loan is capped at a share of purchase plus rehab, the full rehab held back for draws, and the ARV must be at least 1.25 times purchase plus rehab. Processing $500, legal $1,495 and underwriting $795.
  3. Rate is set per file from 9.99%; origination about 2% plus a $995 processing fee.
  4. Needs 2 completed flips in the last two years and about $75,000 in verified liquidity. Rate 9.5% to 12% with 2% to 3% origination, set per file. Purchase plus rehab must fit under 70% of ARV.

Origination has a $2,000 minimum on most programs (a few lenders set a higher one, noted above) and our broker fee is 1% with a $2,000 minimum and a $10,000 maximum. These are the numbers our term sheets use as of October 2026. Strong credit, cash and a track record can price lower through specific lenders in the network.

Where Pueblo prices sit right now

Before we price a Pueblo flip, we look at where sales in the city sit today. Your block can run well above or below these numbers, so treat them as the starting point, not the answer.

Redfin puts the Pueblo median sale price at $261K for the three months ending September 2026, down 0.7% from a year earlier, with homes selling after about 62 days on the market.

Median sale price, Pueblo (Redfin, 3 months to Sep 2026)$261K
Days on market, Pueblo (Redfin)62
Year over year change in median (Redfin)-0.7%

Sources: Redfin, Pueblo housing market

How a Pueblo file actually gets priced

Pueblo appraisals stay inside the neighborhood, and the spread between blocks is wide. A restored North Side Victorian and a Bessemer cottage are different markets, and Pueblo West, which is its own community west of the city, is not a comp for an in-town house. We use closed sales from the same area within about three months and look at how long they sat, because days on market here runs longer than in Denver and the carry belongs in the plan.

Fountain Creek and the Arkansas River carry floodplains through the east and central parts of town, so check the map on any low lot. Older houses near the mill can raise environmental questions with some buyers, and the city’s historic districts on the North Side add review for exterior changes. Hail is routine. Building permits run through the Pueblo Regional Building Department, which covers both the city and the county.

Who buys your finished Pueblo deal

The finished Pueblo flip usually sells to a first-time buyer, often with FHA, VA or a down payment assistance program, which means the house has to pass an appraiser’s condition check on peeling paint, handrails and working systems. Prices here are well under Colorado Springs, so some buyers are commuters doing the math on the drive. If the sale is slow, Pueblo rents against the purchase price are among the better DSCR ratios on the Front Range.

What happens after you apply

Apply once and the whole Pueblo loan lives in the borrower portal: the term sheet you can accept and sign in the browser, where the loan stands, one place for documents, and the list of what the lender is still waiting on. These are real screens from the portal.

Capital Kings borrower portal: Welcome to your file
Welcome to your fileSign in and the term sheet is waiting, with every fee and who it goes to.
Capital Kings borrower portal: Where the loan stands
Where the loan standsApplication, appraisal, title, underwriting, clear to close.
Capital Kings borrower portal: Run the deal again
Run the deal againThe analyzer priced off your real numbers, before and after the appraisal.
Capital Kings borrower portal: What the lender still needs
What the lender still needsEvery open condition, what clears it, and who it is waiting on.

The full walkthrough is on how it works, and you can tour the borrower portal before you apply.

What we fund in Pueblo

Fix and flip

10%down on a first flip
Rates
from 8.99% at 760+ credit
With experience
0% down with 2+ completed flips, purchase plus rehab under 70% of ARV
Rehab
100% funded, paid in draws
Fix and flip loans in Colorado →

Rental (DSCR)

7.00%rates from, 30-year fixed
Qualify on
the rent, no W-2s or tax returns
Down
from 20% at 700+ credit
Good for
buy-and-hold, and the refinance when a flip becomes a rental
DSCR loans in Colorado →

Bridge and purchase only

12.5%down at 700+ credit, no rehab in the loan
Rates
from 9.75% at 680+ credit
Close
in 5-14 days
Good for
auction buys, off-market deals and 1031 timing

New construction

95%of cost with a financed interest reserve, after 1 completed build
Rates
from 8.49% with 5+ completed builds
First build
85% of cost with a GC who has 5+ builds
Builds
single family to small multifamily
New construction loans in Colorado →

Where we lend in Pueblo

We broker deals across the whole Pueblo market. The submarkets investors ask us about most are Mesa Junction (81004), Bessemer (81004), North Side historic district (81003), East Side (81001), Belmont near CSU Pueblo (81001) and Sunset Park and the South Side (81005).

How long does a Pueblo loan take to fund?

You send the address, purchase price, rehab budget and your ARV, which takes about five minutes and no credit pull. We take it to the lenders in our network that fit it and are licensed in Colorado, and the rate, origination, leverage and cash to close come back side by side. 5-14 days to fund, as little as 72 hours on the fastest programs. We stay on title and the lender through funding.

Pueblo hard money FAQ

Do you lend hard money in Pueblo?
Yes. Capital Kings is a broker, not a direct lender, so we shop your Pueblo scenario across a 400+ lender network and bring back real terms instead of one lender’s rate sheet. The programs on this page are the ones whose lenders are licensed in Colorado, and the numbers come from the same engine that prices our instant term sheet.
Which fix and flip programs apply in Pueblo?
As of October 2026: Best Rate (15% down, from 8.99%); New Investor Program (12.5% down, from 9.75%); First Flip, 10% Down (10% down, from 9.99%); 7.5% Down, 3+ Flips (7.5% down, from 9.99%, 3+ completed flips); 5% Down, 5+ Flips (5% down, from 9.99%, 5+ completed flips); 100% Financing, 2+ Flips (100% financing when purchase plus rehab fits under 70% of ARV, from 9.50%, 2+ completed flips). Rehab is funded 100 percent in draws on every one of them, and we shop the file against the rest of the network before anything is signed.
How fast can a Pueblo hard money loan close?
As little as 72 hours. Most Pueblo fix and flip files fund in 5-14 days once the file is complete, and the 72-hour programs close that fast when title and insurance are ready. The First Flip, 10% Down program and the 7.5% Down, 3+ Flips program close in 21-30 days. The biggest delays are usually title issues or missing borrower documents, so getting those started early makes a big difference.
How much do I need to bring to close on a Pueblo flip?
The worked example on this page is a $150,000 Pueblo purchase with a $45,000 rehab and a $270,000 after repair value at 700 credit, first flip: $22,500 down (15% of the purchase) and $34,577 total cash to close, with $56,262 of proof of funds to show the lender. The lowest down payment for a first flip in Pueblo is 10% down from 9.99% at 660+ credit. Investors with a track record can go to 0% down (100% financing) from 9.50% at 620+ credit with 2+ completed flips, when purchase plus rehab fits under 70% of ARV, and you still bring the closing costs in cash. Rehab is funded 100 percent through draws in every case. Run your own numbers in the calculator above, or send us the deal and we will price it.
Do you fund the rehab budget in Pueblo?
Yes, 100 percent of the rehab is funded, but it is a holdback released in draws rather than cash at closing. You pay for each phase, request a draw, an inspector verifies the work, and the lender reimburses. That means you need working capital to float the first phase, which is the single most common thing new investors miss on their first deal.
What credit score do I need for a Pueblo fix and flip loan?
The lowest credit floor among the Pueblo programs is 620, on 100% financing (under 70% of ARV) with 2+ completed flips. A first flip needs 660 or higher. The lowest rate here, 8.99%, needs 760+ credit. Depending on the program, rates step down at 760 credit and origination steps down at 700 and 740. Credit matters less here than on a conventional loan because the deal carries the file, but it moves your rate and your leverage, so know where you stand before you make offers.
Can I refinance a Pueblo flip into a rental loan?
Yes. That is the BRRRR exit, and it is the most common way a Pueblo flip becomes a hold. A DSCR loan qualifies on the property’s rental income rather than your W-2, so once the rehab is done and it is leased, you refinance out of the short-term hard money loan into 30-year financing. Worth deciding before you start, because it changes what finish level makes sense.
Is Pueblo a good place for a first flip in Colorado?
It can be, because the entry price is lower and the loan stays small. In Colorado a first flip can be priced at 15% down with 700+ credit (from 8.99%), 12.5% down with 700+ credit (from 9.75%) or 10% down with 660+ credit (from 9.99%). The worked example on this page is a first flip, so the cash to close above is what a new investor would bring on that house.
Who handles building permits for a Pueblo flip?
The Pueblo Regional Building Department handles permits and inspections for the city and the county. Pull them for electrical, plumbing and any structural work on an older house. Unpermitted work tends to come up when an FHA or VA appraiser walks through.
Micah Foster
Micah Foster
Founder & CEO, Capital Kings LLC
Micah brokers Non-QM and hard money loans for real estate investors across 38 states from his base in Texas. He founded Capital Kings to give investors a broker who shops the market on their behalf instead of pitching one lender product.

What to read before you sign a term sheet

Hard money near Pueblo: Colorado Springs and Denver. More Colorado city guides: Aurora, Boulder, Fort Collins and Grand Junction. Or see everything we fund in Colorado.

Ready to fund your Pueblo deal?

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