DSCR & Hard Money Loans in Greeley, CO

HiFLO Lending helps real estate investors in Greeley and across Weld County find DSCR rental loans, fix-and-flip bridge loans, and ground-up construction loans. I'm Dan. I'm based in Northern Colorado, I invest in Weld County myself, and I'll handle your loan personally from first call to closing.

Greeley at a glance

  • Average rent: about $1,508 a month (RentCafe, October 2026)

  • Median sale price: about $423,000 (Redfin, September 2026)

  • Renter demand: University of Northern Colorado students and staff, plus a large local workforce

Greeley prices are lower than in Fort Collins and Denver. That can make it easier for a rental to "pencil," meaning the rent covers the payment.

How a DSCR loan works here

A DSCR loan qualifies you on the property's rent, not your tax returns. The lender divides the monthly rent by the monthly payment (principal, interest, taxes, insurance, and HOA). For example, if rent is $2,400 and the payment is $2,000, the DSCR is 1.2. Many lenders want 1.0 or higher, and a higher number usually gets better terms.

Short-term rentals in Greeley

Greeley regulates short-term rentals (Airbnb and VRBO). Rentals that the owner doesn't live in appear to be limited to certain zones. Check the zoning before you buy an STR in Greeley. I'll help you confirm it with the city as part of my free deal pre-check.

Colorado rules every landlord should know

  • Cause required for eviction (HB24-1098): since April 2024, Colorado landlords generally need a legal reason to end most leases.

  • Security deposits (HB25-1249): since January 2026, deposits are due back within 30 days by default (the lease can allow up to 60).

Why Greeley investors work with HiFLO

  • Written fee sheet before you pay anything. My broker fee is 1 to 1.5 points, with no surprises. See every cost →

  • Free deal pre-check before any appraisal is ordered.

  • One contact, start to finish: you work with me, not a call center.

Common questions

Can I get a DSCR loan on a Greeley rental if I'm self-employed?
Yes. DSCR loans are based on the property's rent, so you usually don't need tax returns or W-2s.

Do you do fix-and-flip loans in Weld County?
Yes. Bridge loans can cover the purchase and the rehab, and some lenders lend against the after-repair value (ARV).

How fast can a loan close?
Bridge loans can often close in about 7 to 14 days. DSCR loans are usually faster than a traditional mortgage. Timing depends on the lender and the appraisal.

Ready to run your Greeley deal? Call Dan at (970) 680-0246 or schedule a call.

Market data: RentCafe, Redfin. Rules summarized from Colorado General Assembly and Colorado Division of Real Estate. This page is general information, not legal advice.