All investment opportunities.

Stream is credit: you hold units in a fund that makes loans, and interest is distributed monthly. The units are unsecured: you own a claim on the fund, not on any borrower or property. Alpine is ownership of property the company owns and operates, for income and appreciation over a mid-term hold. Summit is development equity, from land through delivery, held over the longest horizon. Open now: Fort Lending Debt Fund (Stream) and Fort Impact Fund (Summit). Also open: The Hotel Melrose (Alpine).

Two offerings, with three ways in. Fort Lending Debt Fund (Stream) has two open allocations: Stream Income Series 10 pays 10% fixed annual interest and the Fort Homes Credit Facility pays 12% fixed annual interest, both distributed monthly. Interest is simple, not compounded. Fixed annual interest is a contractual rate, not a guaranteed outcome, and it is paid out of borrower performance. Fort Impact Fund (Summit) is an equity fund: a 7% preferred return, then 75% to investors and 25% to the Manager, over an expected 10-year fund life. None of that is guaranteed. The Manager and its affiliates are also paid fees, including asset management, acquisition, development management, property management and disposition fees, before any distribution; the Memorandum sets them out. Both funds are offered under Rule 506(c) to verified accredited investors only. The Hotel Melrose (Alpine) is open too: Class A Units in the company that owns a 16-key boutique hotel in downtown Grand Junction, with a 7% non-compounding preferred return ahead of the Manager’s 20% share and a $45,000 minimum. None of that is guaranteed, and its Memorandum states that additional financing is necessary before any distributions are made.

Verified accredited investors only. The minimum is $50,000 for each Fort Lending allocation and $25,000 for Fort Impact Fund. Accredited status is verified before any investment is accepted; under Rule 506(c) a self-declaration on a form is not enough. Verification is often completed with a one-page letter from a CPA, attorney or registered investment adviser, and if you do not have someone to write it, Fort + Home pays for an independent verification service.

Not on demand. None of these investments has a public or secondary market, and capital cannot be redeemed on demand, so plan to hold for the full term. In Fort Lending, a Member may submit a written redemption request; the Manager responds in writing within 30 days, and approval is at its sole discretion and never guaranteed. Fort Impact Fund has no redemption right, and its units cannot be transferred for at least one year, then only with the Manager’s approval. Each offering’s documents govern.

Fort + Home manufactures the homes, develops the projects and operates the property it invests in, from a factory in Grand Junction, Colorado. When capital funds Fort + Home’s own projects or factory, it funds work the company performs itself rather than a third party it has no visibility into. That is a concentration of exposure as well as an advantage, and each offering’s documents set out both.