Three investment tiers · one operating company
We build what we finance.
Fort + Home manufactures homes, develops projects and operates property from a factory in Grand Junction, Colorado. Our three investment tiers are three different positions in that same business — lending against it, owning the assets in it, or funding what it builds next.
STREAM · ALPINE · SUMMIT
How the platform is organised
Each tier holds a different position.
They are not versions of the same product and they are not ranked against one another. A tier is a place in the capital stack: credit sits at the bottom and gets paid first, equity sits above it and carries the upside and the risk that comes with it. Which one suits you depends on what you want your capital doing, not on which is better.
Stream
Fixed income · monthly distributions · open now
You hold the lender’s position. Capital is lent, interest is paid monthly at a fixed rate, and principal is returned at the end of the term.
Stream capital sits inside Fort Lending Debt Fund, LLC, which holds two allocations. They are priced differently because they do different work — one lends to real estate projects, the other funds the factory line that builds the homes. Both pay a fixed rate and distribute monthly.
Stream Income Series 10
10% FIXED ANNUAL INTEREST · PAID MONTHLY · SIMPLE, NOT COMPOUNDED
Short-term lending to real estate projects. The Fund’s stated underwriting policy is a loan-to-value of 75% or less and a loan-to-cost of 85% or less. The Class A Units themselves are unsecured.
Fôrt Hōmes Credit Facility
12% FIXED ANNUAL INTEREST · PAID MONTHLY · SIMPLE, NOT COMPOUNDED
Funds modular home production in Grand Junction. A loan to an operating business — it is not a mortgage and is not secured by real property.
Alpine
Equity ownership · income and appreciation
Direct equity in property the company owns and operates, held over a mid-length horizon.
Alpine is an ownership position rather than a loan, so returns come from the property’s operating performance and its value over time. Our current asset is The Hotel Melrose — a historic 1908 hotel in downtown Grand Junction, renovated in 2023 and operated by Fort + Home.
Summit
Development equity · long horizon
Capital deployed into attainable-housing development, from land through delivery, held for the full build cycle.
Summit takes the developer’s position: capital is committed through the build cycle, and returns are tied to what the completed project is worth. Current development is concentrated in larger vertically integrated housing projects in western Colorado, built from the Grand Junction factory.
Not sure which tier fits
Start with a conversation, not a form.
Tell us what you want your capital doing and over what horizon, and we will tell you which tier fits — including when the answer is none of them. No allocation is discussed before accredited status is verified.
Common questions
Before you go further.
What are the three Fort + Home investment tiers?
Stream is fixed-income credit — you hold the lender’s position and interest is distributed monthly. Alpine is property the company owns and operates. Summit is projects the company develops from land through delivery. Only Stream offerings are available to new investors — Alpine and Summit are not offered on this page.
Which offerings are open to new investors right now?
Two, both inside Stream. Stream Income Series 10 pays 10% fixed annual interest, distributed monthly. The Fôrt Hōmes Credit Facility pays 12% fixed annual interest, paid monthly. Both are offered under Rule 506(c) of Regulation D to verified accredited investors only. Both rates are fixed rather than variable, not targets or projections, and interest is simple, not compounded. Neither offering is a bank deposit, neither is insured, and you can lose some or all of your principal. Alpine and Summit are not offered on this page.
Who can invest, and what is the minimum?
Verified accredited investors only. The minimum on both open offerings is $50,000. Accredited status is verified by a third party before any investment can be accepted — a self-declaration on a form is not sufficient under Rule 506(c). Most investors clear verification in a day or two 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. These are illiquid positions: there is no secondary market and no redemption right, and you can lose some or all of your principal.
Can I withdraw early?
No. Both offerings are illiquid. There is no secondary market, no redemption right and no way to exit ahead of maturity. Plan to hold for the full term. The offering documents govern timing, including what happens if a maturity is extended.
What does “vertically integrated” actually mean here?
Fort + Home manufactures the homes, develops the projects and operates the property it invests in, from a factory in Grand Junction, Colorado. Capital lent through Stream funds work the company performs itself rather than a third-party borrower it has no visibility into. That is a concentration of exposure as well as an advantage, and the offering documents set out both.
This page is provided for informational purposes only and does not constitute an offer to sell or a solicitation to buy securities. Any offer or sale of securities will be made only pursuant to definitive offering documents provided to qualified investors. All investments involve risk, including the possible loss of capital. Target returns, IRR projections, and equity multiples are forward-looking estimates based on management’s current assumptions and are not guarantees of future performance. Actual results may vary materially. Past performance is not indicative of future results. Investors should review the applicable Private Placement Memorandum, Operating Agreement, and Subscription Agreement for complete details, including risk factors. 506(b) offerings are available only to accredited investors and sophisticated investors with a pre-existing substantive relationship with the Sponsor. 506(c) offerings require verified accredited investor status.
Stream Income Series 10 and the Fôrt Hōmes Credit Facility are offered pursuant to Rule 506(c) of Regulation D under the Securities Act of 1933, as amended. Investment is available only to verified accredited investors as defined under SEC rules. Past performance is not indicative of future results.