Capital Kings LLCHow much cash do I need to flip a house in Colorado?
About $61,642 on a $350,000 Colorado first flip with a $60,000 rehab at 720 credit, on our New Investor Program at 9.75%. That is the down payment and every closing cost. Plan to show $95,697 in the bank. With a few completed flips the cash drops to about $25,451 on 100% Financing, 2+ Flips.
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- Proof of funds$95,697
- After a few flips, as low as$25,451
The deal, in pictures
- New Investor Program$61,6429.75% rate · $17,892 in closing costs
- First Flip, 10% Down$65,1949.99% rate · $24,194 in closing costs
- Best Rate$69,7719.49% rate · $17,271 in closing costs
720 credit, no completed flips, every closing cost included.
On New Investor Program. The lender wants to see $95,697 in your bank statements.
- Cash to close
- The money you bring to the closing table: down payment plus every closing cost.
- Proof of funds
- Cash the lender wants to see in your bank statements. Only the cash to close is spent; the rest stays yours.
- After repair value (ARV)
- What the house will be worth once the rehab is done. Lenders cap the loan at a share of it.
- Draws
- Rehab or build money released after each phase is finished and inspected.
The short answer, as of October 2026
- First flip: 3 programs, with as little as 10% down.
- Best rate on a first flip: 9.49% on Best Rate (700+ credit).
- With 2+ completed flips: $25,451 to close on 100% Financing, 2+ Flips.
Capital Kings LLC is a broker, not a lender. We compare every file across 400+ lenders and send the term sheet with every fee on it before you sign.
Every dollar, line by line
A $350,000 purchase, a $60,000 rehab and a $600,000 after repair value in Colorado, 720 credit. The real term sheet:
- Down paymentEquity$0
- Appraisal feeAppraiser$550
- Prepaid interestLender$1,546
- Origination and lender feesLender$10,999
- Broker feeBroker$4,100
- Closing / titleTitle co$4,361
- Property insuranceInsurer$3,895
Proof of funds adds $38,238 that stays in your account: part of the rehab and six months of interest. The gold broker line is the only money Capital Kings earns.
- Down paymentEquity$43,750
- Appraisal feeAppraiser$550
- Prepaid interestLender$1,227
- Origination and lender feesLender$4,412
- Broker feeBroker$3,663
- Closing / titleTitle co$4,145
- Property insuranceInsurer$3,895
Proof of funds adds $34,055 that stays in your account: part of the rehab and six months of interest. The gold broker line is the only money Capital Kings earns.
A sample sheet for a made-up borrower, built the same way yours is. Yours takes about five minutes and doesn’t pull your credit.
How do the options compare?
More down usually buys a lower rate, and a track record opens the low-down programs. Every program here is one we place in Colorado.
Your first flip in Colorado
| Program | Rate | Down payment | Closing costs | Cash to close | Proof of funds |
|---|---|---|---|---|---|
| New Investor Program | 9.75% | $43,750 | $17,892 | $61,642 | $95,697 |
| First Flip, 10% Down | 9.99% | $41,000 | $24,194 | $65,194 | $99,826 |
| Best Rate | 9.49% | $52,500 | $17,271 | $69,771 | $102,934 |
$350,000 purchase, $60,000 rehab, $600,000 after repair value, 720 credit, no completed flips. Closing costs are origination, the lender’s fees, our 1% broker fee, title, insurance, the appraisal and prepaid interest. Proof of funds is cash you show in the bank on top of cash to close; it stays in your account. Rates as of October 2026.
After a few completed flips
| Program | Rate | Down payment | Closing costs | Cash to close | Proof of funds |
|---|---|---|---|---|---|
| 100% Financing, 2+ Flips | 9.50% to 12.00% | $0 | $25,451 | $25,451 | $63,689 |
| 5% Down, 5+ Flips | 9.99% to 10.99% | $17,500 | $22,923 | $40,423 | $77,210 |
| 7.5% Down, 3+ Flips | 9.99% | $30,750 | $22,711 | $53,461 | $88,605 |
The same deal. Each program names the completed flips it needs. Where a rate shows a range, the lender picks the rate inside that range for each file, and some of these programs verify more cash in your account than shown here. Rates as of October 2026.
How does it actually work?
A fix and flip loan covers the purchase and the rehab on one loan. The purchase funds at closing; the rehab is released in draws as the work is inspected, and interest is charged only on what has been drawn.
We place investor loans in Colorado and 36 other states, comparing each deal across 400+ lenders. Business-purpose loans only.
What else do people ask?
How much cash do I need to flip a house in Colorado?
How do I apply for a hard money loan in Colorado?
What is the minimum down payment for a Colorado fix and flip?
What credit score do I need for a Colorado fix and flip loan?
Do I need experience to flip in Colorado?
What is proof of funds on a fix and flip loan?
Do you pay a referral fee if I send you an investor?
Is Capital Kings the lender?
Which questions have worked examples?
Keep reading
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About five minutes to a real term sheet for your deal. No credit pull, every fee on the page.