Fort Collins has grown from a college town into the anchor of a Northern Colorado apartment market that runs down the I-25 corridor through Loveland and out to Greeley. We review apartment, multifamily, and commercial loans across all three cities, with interest-only and cash out options for owners who want their buildings working harder.
Apartment and commercial loans from $1 million to $30 million+
Colorado State University enrolled the largest student body in its history in the fall of 2025, and a big share of those students and the staff around them rent. That steady demand reaches well past the blocks around campus and into the larger professionally managed apartment communities that house graduate students, young families, and university employees.
Loveland has been one of the tightest apartment markets in the region, and Greeley runs on its own engine, with JBS, the University of Northern Colorado, and North Colorado Medical Center among its largest employers. An owner with buildings in all three cities is really holding three different rent stories, and we look at each one on its own terms.
Two and three story garden apartments with surface parking and a pool, the backbone of the rental stock from south Fort Collins down through Loveland. These are often long-held buildings with real equity and room for a refinance that pays the owner more each month.
Purpose-built and by-the-bed buildings near campus and along the transit routes into it. Turnover is part of the business here, so a full year of leasing history, including the summer, tells the story better than a single month.
Retail and restaurants on the ground floor with apartments above, in and around Old Town Fort Collins and downtown Loveland. These buildings do not fit neatly into one box, which is exactly where choosing the right program makes the biggest difference.
Interest-only payments for up to the full term on a stabilized Northern Colorado apartment building, often with more cash out than an amortizing loan allows.
Program detailsLong-term financing for apartment buildings from 5 units to 300+, from a garden community in Loveland to a professionally managed property near campus.
Program detailsFor owners who want to put the equity in a stabilized apartment or commercial building to work, up to 75% LTV on a refinance.
Program detailsFor retail, office, warehouse, self storage, mixed use, and light industrial property in Fort Collins, Loveland, and Greeley where the leases and occupancy support a purchase, refinance, or cash out.
Program detailsFor stabilized rental homes, duplexes, and fourplexes across Northern Colorado where the rent supports the payment.
Program detailsNorthern Colorado added a lot of new apartments over the last few years, and that wave is still working through the market. A building that held its occupancy through it is in a strong position, and the rent that counts is the rent tenants actually pay after any move-in specials.
For decades, Fort Collins limited most homes to one family plus two unrelated people. A 2024 state law ended limits like that, and the city now leans on health and safety standards instead. For owners of student-oriented buildings, that is worth understanding before anyone starts counting beds.
The northern Front Range sits squarely in hail country, and roofs, siding, and insurance premiums all feel it. A current insurance quote on the building, with the actual deductible, keeps everyone working from the same expense line.
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