Renovation & New Construction (Non-Recourse Available for Self-Directed Retirement Accounts)

Loan Amounts from
$100K to $5M+

1-4 unit investment
properties

90% of purchase price and 100% of renovation costs, up to 75% of After Repair Value for experienced investors. New Construction limited to 60% of as-is value, 85% of total costs, and 70% of after repair value

Rates starting at 9.375%

Loan Terms: 12-24 months

Nationwide except: CA, AZ, NV, ND,
SD, MN, VT, UT, OR, ID

Bridge Loans

(Non-Recourse Available for Self-Directed Retirement Accounts)

Loan amounts: $100K to 1.5M+

Up to 80% LTV on Purchase and Rate/Term Refinance Transactions
Up to 75% LTV on Cash-Out Refinances

No Minimum Title Seasoning for Cash-Out Refinances if $10K or more of improvements has been performed on the property

600 Minimum Minimum Credit Score
Lower credit scores are considered on exception

1-4 unit investment properties

Blanket Loans up to 10 properties

Interest Rates starting at 9.375%

Loan Terms: 12-24 months

Nationwide Except:
CA, AZ, NV, OR, ID, ND, MN, SD, UT, VT

Start the process with a loan application

Long Term Rental Loans

(Available in select states on a non-recourse basis)

Loan Amounts from
$75K to $5M

1-4 unit investment properties, 620 minimum mid FICO score required

Up to 85% Loan to Value for purchase, rate/term, and up to 80% Loan to Value cash-out refinance transactions in select states

Rates starting
at 6.50%

A 30 year fixed term on a single property loan or Blanket loan up to 10 properties.

Nationwide except: CA, AZ, NV, ND,
SD, MN, VT, UT, OR, ID

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Who Should Consider a Bridge Loan?

Bridge loans aren’t just for seasoned investors—they help almost anyone looking to grow their real estate portfolio:

  • Fix-and-flip buyers: Buy a property, renovate it, sell it fast.
  • Rental property investors: Get the property and start renting before a long-term loan comes through.
  • Portfolio builders: Expand your holdings without tying up all your cash.
  • Self-directed IRA investors: Use retirement funds efficiently to invest in real estate.

Even first-time investors can benefit from a bridge loan for investment property, especially if speed is the name of the game.

How We Make It Easy

Getting a bridge loan with Red Rock Capital is straightforward:

  1. Talk to us: Tell us about the property and your plans.
  2. We check it out: We look at the property’s value, condition, and potential cash flow.
  3. Get approved fast: Most people get pre-qualified in just a few days.
  4. Access your funds: Close quickly and start your project.

We’ve been helping investors in Denver, Colorado Springs, and all over Colorado for years. We know the market, and we know how to make deals happen quickly without all the typical headaches of traditional financing.

A Real Example

Take Sarah, an investor in Colorado Springs. She found a small apartment building that needed some work. A conventional mortgage would have taken a month or more to process. The seller needed to close in two weeks. Using a bridge loan for investment property from Red Rock Capital, Sarah closed in just ten days. She did the renovations, rented out the units, and was generating income in a few months.

That’s exactly what a bridge loan does—it gives you the time and money to make a deal work.

Why Work With Red Rock Capital

We’re not just lenders; we’re your partners. Investors choose us because:

  • We know Colorado: From Denver to Colorado Springs, we understand neighborhoods, trends, and property values.
  • We’re flexible: Loans structured to match your investment plan.
  • We’re transparent: No hidden fees, no confusing terms, no delays.
  • We get results: Hundreds of successful deals funded for local investors.