DSCR & Hard Money Loans in Loveland, CO

Aerial view of Loveland, Colorado homes and lake with the Front Range mountains

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

Loveland at a glance

  • Average rent: about $1,934 a month, up 4.8% in a year (RentCafe, October 2026)

  • Median sale price: about $500,000 (Redfin, September 2026)

  • Buyer demand: Redfin reports that Denver is the biggest source of buyers moving to Loveland, which helps both resale and rental demand

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 $2,600 and the payment is $2,200, the DSCR is about 1.18. Many lenders want 1.0 or higher.

Loveland rules investors should know

  • Short-term rentals: STR operators in Loveland need a city sales tax license and must collect the city's 3% lodging tax. Properties outside city limits fall under Larimer County's own STR license. Confirm the rules with the city or county before you buy an STR.

  • Colorado eviction rules (HB24-1098): since April 2024, 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.

Why Loveland investors work with HiFLO

  • Written fee sheet before you pay anything. My broker fee is 1 to 1.5 points. See every cost →

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

  • One contact, start to finish.

Common questions

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

Can I refinance my flip into a DSCR loan and keep it as a rental?
Yes. That's a common plan: buy and rehab with a bridge loan, then refinance into a long-term DSCR loan once it's rented.

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

Sources: RentCafe, Redfin, City of Loveland: Lodging & Short-Term Rentals, Larimer County STRs, HB24-1098. General information, not legal advice.