Investment Properties
Financing to buy, rehab, rent, and refinance — solutions for single-family, multi-family, and small commercial deals.
Fast · Simple · Relationship Based
We Provide Financing for Real Estate Investments
Private lending for investors who can't wait for a bank. Buy, rehab, rent, refinance — close in as little as 24 hours.
Investment Financing For
Real estate funding, built for investors
Whether you're scaling a portfolio or flipping your first property, we provide capital that moves at the speed of the market.
Short-Term Financing
Bridge funding from 60 to 180 days when timing matters more than the lowest possible rate.
Fix & Flip
Capital to buy, rehab, and resell — purchase price and rehab budget covered so you can move on the next deal.
About Us
40+ years of real estate & mortgage experience.
Cove Creek Funding is a Utah-based private lender built to make investment-property financing fast and personal. Our mission is to provide fast, simple, relationship-based financing to real estate investors who need a lending partner that actually moves.
We analyze every transaction with the same eye we'd use on our own portfolio — so the funding option you get is the one that actually fits the deal.
Learn About UsLoan Programs
How can we help you?
Three flexible structures, all with 24-hour closings and no monthly payments. Choose the one that matches your project.
80%
80% Loan Program
- Up to 80% of purchase price
- Lower rates for stronger borrowers
- Close in as little as 24 hours
- No monthly payments
100%
100% Loan Program
- Up to 100% of purchase price
- Rehab costs funded by borrower
- Close in as little as 24 hours
- No monthly payments
90/50
90% / 50% Loan Program
- Up to 90% of purchase price
- Up to 50% of rehab costs
- Close in as little as 24 hours
- No monthly payments
Why Choose Us
A lending partner, not a paperwork machine.
01
Speed
Most deals close in 24–48 hours. We're built for investors who can't wait on a bank's underwriting cycle.
02
Local expertise
40+ years in Utah real estate. We know the markets, the comps, and the contractors.
03
Simple structure
Clear terms, no monthly payments, no surprise fees. What you sign is what you pay.
04
Real relationships
We work with repeat investors. Every deal starts a conversation that lasts past closing.
Funded Transactions
Recent deals we've helped close.
A small sample of what relationship-based financing looks like in practice.
Single-family rehab — 36-hour close
$385,000 loan at 90% LTV. Borrower acquired, rehabbed, and resold inside 90 days.
Duplex acquisition — 100% purchase price
$472,000 funded for a long-term-rental duplex. Closed in 48 hours so the investor could outbid a competing offer.
Heavy rehab on a 1920s bungalow
$268,000 purchase + $112,000 rehab. Full-gut project funded in a single package.
What Our Clients Say
Real investors. Real closings.
Cove Creek funded my deal in less than two days when my bank told me it would be a month. They saved the transaction.
R. HansenReal estate investor — Salt Lake County
Straight answers, no runaround, and they actually pick up the phone. I've used Cove Creek on five flips in a row.
M. WhitakerFix-and-flip operator
They understand Utah real estate. The terms made sense for the deal, not just the lender. We'll be back for the next one.
A. LambertBuy-and-hold investor