Some of the strongest apartment buildings in Colorado are not downtown at all. They are garden communities in Lakewood, newer apartment buildings in Boulder, and main street buildings in towns like Golden and Longmont, and we review loan requests for all of them.
Apartment and commercial loans from $1 million to $30 million+
When the building wave hit Denver, most of the new towers went up close to downtown, and that is where concessions ran the deepest. By the summer of 2026, Jefferson County was among the tightest apartment markets in the region, and the suburban garden communities that never had to compete with a brand-new tower next door are the ones in the best shape to refinance.
Boulder has the university, a strict limit on how far the city can grow, and some of the lowest apartment vacancy anywhere on the Front Range. Buildings there trade at values that can surprise owners from other markets, which makes it a natural place to look at interest-only payments and cash out against a building that has held its value for years.
Two and three story communities in Aurora, Lakewood, Arvada, Westminster, and Littleton, often with surface parking, a pool, and long-term tenants who have no interest in moving downtown.
Retail and restaurants on the ground floor with apartments upstairs, in the historic downtowns of Golden, Longmont, Littleton, Castle Rock, and Loveland. These buildings carry two kinds of income, and the loan needs to account for both.
Strip centers, medical office, self storage, and small industrial buildings along the I-25 corridor from Castle Rock up to Greeley, where steady suburban growth keeps tenants in place.
Interest-only payments for up to the full term on a stabilized apartment building, often with more cash out than an amortizing loan allows.
Program detailsLong-term financing for Front Range apartment buildings from 5 units to 300+, from a Boulder apartment building to a garden community in Aurora.
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, mixed use, self storage, medical office, and light industrial property where the leases and occupancy support a purchase, refinance, or cash out.
Program detailsFor stabilized rentals across the Front Range, from a duplex in Englewood to a fourplex in Greeley.
Program detailsThe Front Range sits squarely in hail country, and roofs, siding, and parking lots take the hits. A current insurance quote with the real deductible, along with the age of the roof, keeps everyone working from the same expense line.
On a main street building, the storefront leases and the apartment rents behave differently. We look at each one on its own terms first, then at how they work together to carry the loan.
Boulder requires a rental license on every rental property, and other Front Range cities, Aurora among them, have been working on rental rules of their own. They are not the same from one city line to the next, so knowing which ones apply to the building early keeps surprises out of the process.
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