Denver, Colorado

Hard Money Lenders

Get Funded!

Michael Lambert

Loan Consultant

(720) 357-3948
r.lambert@novellecapital.com

Michael brings over thirty years of rich experience in the real estate sector, specializing in the sale and valuation of residential and commercial properties, development land, and farmland. His expertise extends to being a foreclosure team specialist, where he has worked with homeowners, lenders, and investors on properties in bankruptcy, pre and post-foreclosure, and in securing and readying distressed properties for sale. Michael's professional journey includes collaborations with prominent organizations such as Lennar, KB Homes, Boulder County Housing Authority (BCHA), K. Hovnanian, John Laing Homes, and Keller Williams Real Estate.


Over his career, Michael has been involved in diverse assignments, working with builders, developers, institutional investors, and government entities. His projects have ranged from valuing and acquiring commercial and residential portfolios to developing and constructing over $2.8 billion worth of real estate across multiple asset classifications. He has coordinated the sales and marketing of more than 100 new home communities, demonstrating his comprehensive understanding of the industry.


As a certified real estate appraiser, Michael actively engages in the valuation of residential and commercial properties throughout Metro Denver and Northern Colorado. He has completed valuations for hundreds of retail, multifamily, and commercial portfolios, catering to private investors, lenders, and publicly traded Real Estate Investment Trusts (REITs).


Michael's real estate specialties cover a broad spectrum, including new home construction, bank-owned properties, residential and commercial foreclosures, single and multi-tenant investment property, multifamily, and the sales of commercial and residential land and lots, as well as farmland. His commitment to community involvement is evident through his memberships in organizations such as the Northern Colorado Commercial Association of Realtors, Colorado & National Association of Realtors, and the Urban Land Institute. Additionally, Michael actively contributes to community service through his role as the Managing Director of Ask the Experts (Low Income Home Consultation Service) and his support for organizations like the Children's Science Center and Autism Speaks.



Michael holds a Bachelor’s Degree in Business Administration with a concentration in Finance, Real Estate & Law from California Polytechnic University. He is a Certified Real Estate Appraiser and a Candidate for the Certified Commercial Investment Member (CCIM) designation. He is also a member of the National Association of Realtors (NAR), the National Association of Home Builders (NAHB), and the Urban Land Institute (ULI). With offices in Metro Denver and Northern Colorado, Michael actively pursues his mission to assist others in achieving their life goals, both in his professional and personal life.

Contact Us

Fix & Flip

Rates from 9.99%
Single Family & Multi-Family
Up to 100% of Rehab
Same Day Pre-Approval
Close in 7-10 Days

 Construction

Rates from 8.99%
Single Family & Multi-Family
Up to 100% of Build Cost
Easy Draw Process
Close in 10-20 Days

Rental 

Rates from 5.49%
5, 7, 10, & 30 Year Terms
LTV up to 80%
No Income/ 580+ Fico
Close in 7-10 Days

Bridge Loans

Rates from 9.99%
Single Family
80% LTV 
Full, Lite or No Doc, Non-Recourse
Close in 7-10 Days

Short-Term Rental 

Rates from 6.50%
Up To 75% LTV
Up to 70% LTV Cash-out Refinance
1.5+ DSCR
5, 10, 30-Year Options
Learn More

Multifamily

Rates from 9.99%+
Up to 80% LTV
24-36 Month Interest Only Terms
Low in-place DSCR 
Close in 7-15 days

Denver , Colorado

The real estate market in Denver, Colorado stands as a dynamic landscape, offering both challenges and lucrative prospects for investors eyeing the region. As a prominent metropolitan area nestled against the backdrop of the Rocky Mountains, Denver has long been a magnet for individuals seeking vibrant city life coupled with access to stunning natural landscapes. Exploring the trends and fluctuations within this market unveils an array of insights for those considering real estate ventures.


The housing market in Denver is a hotbed of activity, marked by its competitiveness and brisk pace. Recent data reveals compelling statistics showcasing the intensity of the market. Homes in Denver fetch an average of 2 offers and impressively sell within an average of 19 days, a slight improvement from the previous year's 20-day timeframe. However, the median sale price witnessed a marginal dip of 3.4% year-over-year, settling at $570,000 last month. Notably, the median sale price per square foot surged by 1.7% to $369, signifying a nuanced shift in the pricing dynamics.


The statistics for October 2023 accentuate this trend, indicating a 3.4% year-over-year decrease in home prices, with a median sale price resting at $570,000. Simultaneously, the number of homes sold witnessed a decrease of 9.33%, with 748 homes changing hands during the month.


Understanding the migration trends in and out of Denver offers a crucial perspective for real estate investors. Recent data from Aug '23 - Oct '23 reveals that 31% of homebuyers in Denver were inclined to move out of the city, while a majority of 69% preferred to stay within the metropolitan area, showcasing a strong inclination towards local relocation.


Examining the origins of those moving into Denver, it's intriguing to note that 2% of homebuyers hailed from outside metros, showcasing a modest yet consistent interest in Denver from across the nation. Colorado Springs emerges as the primary source of inbound homebuyers, followed closely by San Francisco and Los Angeles, indicating a diverse inflow of potential residents.


On the flip side, a significant 69% of Denver homebuyers expressed their intention to remain within the metropolitan area. Chicago emerged as the most popular destination among those leaving Denver, followed by Fort Collins and Breckenridge, showcasing a diversified outbound migration pattern.


Denver's cost of living stands notably higher than the national average, presenting both challenges and opportunities for prospective residents and investors alike. The cost of housing in Denver towers 36% above the national average, while utility prices offer a slight respite, being 13% lower than the national average. Transportation expenses, including bus fares and gas prices, mirror the national average.


With a median home price of $612,791 and a median rent of $1,863 per month, Denver's real estate market commands attention due to its relatively higher cost, presenting potential hurdles for new investors while also reflecting the value and demand within the region.


Despite the slightly downward trend in home prices, Denver's real estate market remains robust and competitive. The market's rapid turnover rate and the sustained interest from both local and external buyers indicate a resilient landscape ripe with opportunities.


Investors eyeing Denver's market need to consider the city's unique dynamics. Its appeal as a cultural hub, coupled with its proximity to outdoor recreation and a growing job market, sustains a steady influx of potential residents. Analyzing the migration patterns and the cost of living, while understanding the fluctuating housing prices, provides a comprehensive view for investors aiming to capitalize on the Denver real estate market.


In conclusion, Denver, Colorado, presents an intriguing yet demanding landscape for real estate investors. With a competitive market, shifting pricing trends, and migration patterns, navigating this terrain requires a meticulous understanding of the evolving dynamics. While challenges exist, the city's allure and potential for growth make it an attractive destination for astute investors seeking long-term gains in the real estate realm.


Investing in Denver's real estate market demands a comprehensive understanding of its trends, pricing dynamics, and migration patterns. By leveraging these insights, investors can position themselves to seize opportunities and navigate the challenges, fostering success in this dynamic and competitive market.

Private Lending and Hard Money Loans in Denver, CO with Novelle Capital


Private money and hard money play pivotal roles in the realm of real estate investing, offering distinct avenues for securing funding when conventional routes fall short. Understanding the nuances and benefits of these financing options is crucial for investors navigating the dynamic landscape of property acquisition and development.

What is Private Money and Hard Money?
Private money and hard money represent alternative sources of financing, diverging from traditional lending institutions like banks. These avenues provide investors with expedited access to capital, often catering to individuals or entities seeking loans for real estate ventures.

Private money lending involves individuals or private entities extending loans for real estate purposes. These lenders could be acquaintances, family members, or private companies. Unlike traditional banks, private money lenders often offer more flexible terms, quicker approval processes, and personalized lending criteria.

The essence of private money lending lies in its flexibility and personalized approach. Investors can negotiate terms directly with private lenders, enabling tailored agreements that align with specific project requirements. Moreover, private money loans are typically based on relationships and trust, allowing for a more personalized lending experience.

On the other hand, hard money represents a form of asset-based loan, secured by the property itself. Hard money lenders, like Novelle Capital in Denver, CO, specialize in offering short-term loans, utilizing the property as collateral rather than focusing primarily on the borrower's creditworthiness.

The distinguishing factor of hard money loans is their swiftness and accessibility. These loans are processed and approved at a rapid pace, ideal for investors in need of quick financing solutions. While hard money loans may carry higher interest rates compared to traditional loans, they serve as an expedient option for those looking to capitalize on time-sensitive investment opportunities.

At Novelle Capital, we pride ourselves on being a trusted and secured investment partner for real estate investors in Denver, CO. Our commitment to providing tailored solutions and personalized services sets us apart in the competitive landscape of hard money lending.

As a leading hard money lender, we understand the unique demands of real estate investing and prioritize swift, reliable financing solutions. Our streamlined processes ensure quick approval and funding, empowering investors to seize lucrative opportunities without the constraints of traditional lending institutions.

What sets us apart at Novelle Capital is our unwavering dedication to our clients. We prioritize transparency, reliability, and integrity in all our dealings, fostering long-term relationships built on trust and mutual success. Our team of seasoned professionals stands ready to assist investors in navigating the complexities of real estate financing, offering expertise and guidance at every step of the lending process.

In the realm of real estate investing, private money and hard money represent invaluable resources for securing funding swiftly and efficiently. While private money lending emphasizes flexibility and personal relationships, hard money loans, exemplified by Novelle Capital's offerings, provide investors with secured, swift, and tailored financing solutions.

For investors seeking a reliable, trusted lender in Denver, CO, Novelle Capital stands as the epitome of excellence in hard money lending. Our commitment to delivering secured investments and personalized services ensures that investors can capitalize on opportunities with confidence, knowing they have a reliable partner supporting their ventures.

Benefits of Private and Hard Money Lending in Denver:



Speed and Accessibility: In Denver, Colorado, private and hard money lenders prioritize swift approval processes and rapid funding, crucial for seizing time-sensitive real estate opportunities in this dynamic market.


Tailored Loan Terms: Denver's private lenders excel in offering flexible loan terms. Borrowers have the freedom to negotiate interest rates, repayment schedules, and other specifics, crafting financing arrangements that precisely match their unique needs.


Collateral-Centric Approval: Hard money lenders in Denver prioritize property value and potential, enabling borrowers facing credit challenges or unconventional projects to secure financing based on collateral. This approach broadens accessibility for diverse borrower profiles.


Inclusive Borrowing: Denver's private and hard money lending caters to a broad spectrum of borrowers, ranging from real estate investors to small businesses and individuals with distinct financial requirements. This inclusivity makes these lending options versatile for various projects and scenarios.


Fueling Real Estate Ventures: Denver's thriving real estate market attracts investors seeking growth opportunities. Private and hard money lending serves as pivotal support, providing the essential capital for property acquisitions, renovations, and expansions.


Understanding Denver's Market Dynamics: Engaging in private and hard money lending in Denver involves comprehending local market intricacies and leveraging the advantages these financing options offer. Whether you're an investor in need of swift capital or have unique financial needs, exploring the accessibility and flexibility of these lending avenues strategically aligns with Denver's dynamic real estate landscape. Collaborating with reputable local lenders and staying informed about market trends maximizes these advantages, driving successful and lucrative real estate ventures in Denver.

Real Estate Investor Clubs

Getting involved in real estate investor clubs can be a game-changer for those looking to thrive in the world of property investment. These clubs, such as Real Estate Investment Associations (REIAs), offer a fertile ground for networking, learning, and collaboration among like-minded professionals. Whether you're a seasoned investor or just starting out, joining a local or regional REIA can provide invaluable opportunities to expand your knowledge base, forge important connections, and stay abreast of market trends.


REIAs play a crucial role in fostering a vibrant real estate community. By participating in these clubs, investors gain access to a wealth of resources, from educational seminars and workshops to mentorship programs and deal-sharing opportunities. Moreover, REIAs provide a supportive environment where members can exchange ideas, seek advice, and even form partnerships for mutual benefit.


We've provided a list of local REIAs serving the Denver area:


For those aiming to succeed in real estate investment, involvement in REIAs is not just recommended—it's practically essential. These associations offer a platform for continuous growth and development, empowering investors to navigate challenges, capitalize on opportunities, and ultimately, achieve their investment goals. So whether you're scouting for your next property or seeking to expand your portfolio, consider joining a REIA today and unlock the full potential of your real estate endeavors.