Individual Giving Hard Money Loans in CO

[TJ Thompson]

I'm working on my first deal as a hard money lender. I already have an investor lines up and a house proposed. The terms are 2 pts. + 12%, and the loan will be for ~75% of the ARV.

I'm also in the process of finding a good real estate attorney to consult with on the legalalities of the deal, and how to protect myself.

My question is: Are there any state of federal restrictions for me to do this without a broker's license (or any other real estate type license for that matter)? I need to commit to the deal today, and since I realistically won't have an attorney by that time, I'm just looking for initial feedback. From the research I've done, no license is required to lend to an investor looking to flip the property, but I want to be sure.