Colorado uses the deed of trust and the public trustee. The statute sets a first sale date between 110 and 125 calendar days after the notice of election and demand is recorded for non-agricultural property, and it provides a redemption process for qualifying junior lienors. Mechanic's lien claimants generally file within four months of their last work or materials after serving a notice of intent, which matters for draw schedules, and the state geological survey reports that about half of Colorado homes have radon levels of concern.
World's Fair Capital makes business purpose loans to real estate investors in Colorado: fix and flip, DSCR rental, bridge and ground-up construction. This page covers points that most often matter to an investor there, each checked against the statute or agency that publishes it. It is general information, not legal or tax advice, and terms for any loan are set at underwriting.
Prepared by the WFC editorial team. Facts checked against the cited sources, last reviewed 2026-10-11.
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- 1Start your application
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- 2Review the term sheet
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- 3Underwriting
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- 4Closing
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What investors should know about Colorado
Public trustee foreclosure on a deed of trust
In Colorado, a holder of an evidence of debt who declares a violation of a deed of trust covenant elects to sell by filing documents with the county public trustee. The statute lists the required filings, including a notice of election and demand and the original evidence of debt.
Source: Colorado Revised Statutes 38-38-101 (2024 printout), checked 2026-10-11
Sale timing for non-agricultural property
For a public trustee sale of property that is not agricultural, the initial sale date falls between 110 and 125 calendar days after the notice of election and demand is recorded. Agricultural property has a longer window.
Source: Colorado Revised Statutes 38-38-108 (2024 printout), checked 2026-10-11
Redemption by junior lienors
Colorado's redemption statute lets a qualifying junior lienor redeem after a foreclosure sale if listed requirements are met to the officer's satisfaction. Title vests after the redemption periods expire.
Source: Colorado Revised Statutes 38-38-302 and 38-38-501 (2024 printout), checked 2026-10-11
Mechanic's lien statement deadline
Colorado's lien statute requires a notice of intent to file a lien statement served at least ten days before filing. Most lien claimants must file within four months after their last labor or materials, with different rules for day or piece labor and some exceptions in the statute. These steps matter for draw-funded work.
Source: Colorado Revised Statutes 38-22-109 (2024 printout), checked 2026-10-11
Radon in Colorado homes
The Colorado Geological Survey says radon has been found in all parts of the state and that about half of Colorado homes have radon levels of concern. Testing is a common diligence item on rentals and flips.
Source: Colorado Geological Survey, Radon, checked 2026-10-11
General information, not legal or tax advice. Confirm details with your own counsel or title agent.
For brokers
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What to send for a first look
- Property address and type
- Purchase price, or current value on a refinance
- Loan amount requested and what it is for
- Rehab or construction budget, if any
- Current or expected rent on a rental
- The borrower's experience and estimated credit score
- Your timeline to close
Loan programs for Colorado investors
- Hard Money Loans
- Fix & Flip Loans
- Rental / DSCR Loans
- Ground-Up Construction Loans
- Commercial Bridge Loans
- Multifamily Bridge Loans
- Small Balance Commercial Loans
- Foreign National Loans
- FlexCap Business Bridge Loans
Program availability varies by property and borrower. Business purpose loans only.
Have a deal in Colorado?
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Nothing on this website constitutes a commitment, approval, or guarantee of financing.
Rates, fees, terms, timelines, and program descriptions are subject to change without notice.
Any investor-related or capital discussion is not an offer to sell, a solicitation to buy, or a recommendation of any security or investment product.