Bridge capital funding the completion of 30 attainable, factory-built homes for working families in Grand Junction, Colorado.
651 Highway 50, Grand Junction, CO 81503 · 2 Acres · Mesa County
Schedule a Conversation Request Documents| Raise Target | $3,000,000 |
| Investor Return | 10% Annual Interest |
| Expected Term | 9–18 Months |
| Structure | Secured Bridge Loan into Project Entity |
| Collateral | 30 Single-Family Homes + 2-Acre Site |
| Primary Exit | FWT Construction Loan Close (April 2026) |
| Secondary Exit | Home Sale Proceeds |
| Capital Deployed | $938,576 (Current FLDF Exposure) |
| Location | 651 Highway 50, Grand Junction, CO 81503 |
| Unit Count | 30 Single-Family Residences |
No management fees, no acquisition fees, no administrative overhead deducted from investor capital. Every dollar raised through Stream 10 is deployed directly into the Trails End project. Funds flow immediately into construction activity.
Parent Fund: Stream Income Series 10
Trails End is the flagship project loan within the Stream 10 allocation of the Fort Lending Debt Fund. Investors participate as members of the Debt Fund and receive pro-rata interest distributions.
Working families — teachers, first responders, healthcare workers, tradespeople — are being priced out of homeownership as existing inventory tightens and new construction fails to keep pace with demand. Homes priced below $300,000 are virtually nonexistent in the Grand Junction market.
Fort + Home builds homes using Structural Insulated Panels (SIPs) inside a controlled factory environment. Factory-built homes are produced in weeks rather than months, at lower cost and higher quality than traditional stick-built construction. The factory employs local workers in Grand Junction.
SIP construction delivers superior insulation, tighter building envelopes, and lower energy costs for homeowners. Factory production reduces material waste. Every home is solar-ready and EV-ready per Colorado's model energy code.
Every dollar deployed creates local employment. Factory workers building the homes. Subcontractors installing plumbing, electrical, and HVAC. Site crews doing excavation, concrete, and utility work. This capital circulates through the Grand Junction economy.
2 acres owned at 651 Highway 50, Grand Junction, Colorado.
All permits approved. Planning clearance complete. Building permits issued.
Foundations poured, utilities installed — water, sewer, electrical, gas service. Site grading complete.
Production facility at 3199 D Road, Grand Junction. Units in various stages of production.
$5.75M construction loan from First Western Trust in active underwriting. Appraisal due March 17, 2026. Target close April 2026.
| Category | Amount | Priority |
|---|---|---|
| Factory Production — SIP panels, floor cassettes, roof lumber, assembly materials, MEP subcontractors | $1,200,000 | Immediate |
| Site Construction — Horizontal work, foundation completion, utility connections | $600,000 | Immediate |
| Carpenter & Trade Labor — Factory and on-site assembly crews | $400,000 | Ongoing |
| Carrying Costs — Existing debt service ($15,321/mo), property tax, insurance, utilities | $250,000 | Ongoing |
| Contingency & Liquidity Buffer — 5% overrun protection + 60-day reserve | $350,000 | Reserve |
| FWT Loan Closing Costs — Bridge for deposit, origination, and closing timing gap | $200,000 | At Close |
| Total Raise Target | $3,000,000 |
First Western Trust is actively underwriting a $5.75M construction loan. Once closed, initial draw proceeds begin repaying FLDF bridge capital. Target close: April 2026 — potentially as early as 9 months from investment date.
As homes are completed and sold, sale proceeds flow back into the project waterfall. After senior debt service, FLDF bridge loans are repaid from net sale proceeds. 30 homes with strong local demand support full repayment within 18 months.
The exit strategy includes the potential sale of remaining land parcels to the Unrein family, providing an additional source of liquidity independent of individual home sales.
This is bridge capital, not a long-term hold. The 9–18 month term reflects the construction timeline: homes are actively being built, site work is underway, and the permanent construction loan is weeks from closing.
| Scenario | Add'l Cost | Total Cost | Funding Gap | Buffer vs Raise |
|---|---|---|---|---|
| Base Case | $0 | $8.79M | $2.31M | $690K |
| 5% Cost Overrun | $439K | $9.23M | $2.75M | $251K |
| 10% Cost Overrun | $879K | $9.67M | $3.19M | ($189K) |
| 60-Day Delay | $65K | $8.85M | $2.37M | $625K |
| 10% Overrun + 60-Day | $944K | $9.73M | $3.25M | ($254K) |
Capital raise active. Every dollar in now accelerates production.
Bank-ordered appraisal for construction loan underwriting.
Construction loan closes. Draw-funded execution begins.
Initial units complete and ready for sale or occupancy.
Factory at full capacity. Multiple homes per month.
Sales proceeds begin flowing. FLDF repayment starts.
Majority of homes sold. FLDF fully repaid.
All homes sold. Land sale complete. Final distributions.
Brand-new, energy-efficient, single-family residences designed for working families. Teachers, nurses, firefighters, and tradespeople who make Grand Junction run.
Factory workers building homes. Subcontractors installing plumbing, electrical, and HVAC. Site crews doing excavation, concrete, and utility work. Capital circulates locally.
Fort + Home's modular factory approach proves you can build quality homes faster and more affordably. A scalable solution for communities across the Mountain West.
Superior insulation, tighter building envelopes, lower energy costs. Factory production reduces material waste. Every home is solar-ready and EV-ready.
Subject to weather delays, material cost increases, subcontractor availability, and other risks common to residential construction. Capital stack includes a contingency buffer for moderate cost overruns.
The FWT construction loan is in active underwriting but has not yet closed. If the loan does not close on the expected timeline, additional bridge capital may be required or the repayment timeline may extend.
Home sale prices are subject to local market conditions. A decline in Grand Junction housing demand or pricing could affect the exit timeline and profitability.
Stream 10 investments are not liquid. Capital is committed for the term and cannot be redeemed on demand.
Stream 10 capital is deployed into a single project. Investors should consider overall portfolio allocation when evaluating this opportunity.
Institutional financial controls, validated cost models, bank underwriting discipline, and a vertically integrated structure that gives the company direct control over construction quality and timeline. Unlike traditional private lenders, Fort + Home can step in and complete projects in the event of borrower default.
Book a one-on-one call with Jeff Zimmerman to discuss the opportunity and review your investment goals.
Book a CallReceive the Private Placement Memorandum, Deal Memorandum, and subscription materials for review.
Request NowAlready reviewed the materials? Begin the accredited investor verification process to move forward.
Start VerificationComplete this form to receive the Stream 10 offering documents, including the Private Placement Memorandum and Deal Memorandum for Trails End. A member of our team will follow up within one business day.
Offered pursuant to Rule 506(c) of Regulation D. Available only to verified accredited investors. This form does not constitute an offer to sell or solicitation to buy securities.
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Modular manufacturing. Operates the production factory at 3199 D Road, Grand Junction. Builds homes using SIP panel technology in a controlled factory environment.
General contractor and development management. Manages all site work, subcontractor coordination, inspections, and project delivery for Trails End and other developments.
The investment vehicle. Raises capital from accredited investors and deploys it as secured project-level bridge loans into Fort + Home development projects.
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 potential for loss of capital (including invested principal).
Stream Income Series 10 is 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. Investors must independently verify their accredited investor status through a third-party verification provider or other means acceptable to the Manager.
The target return of 10% for Trails End project-level bridge capital is based on contractual loan terms; however, returns may vary depending on project performance. Forward-looking statements, hypothetical information or calculations, financial estimates, and forecasted returns are inherently uncertain and involve risk. Past performance is not necessarily indicative of future results.
Investors should not base their investment decision solely upon the information presented on this page. Investors should either possess the necessary financial knowledge and experience to properly evaluate a potential investment or consult with appropriate legal, tax, and investment advisors prior to investing. Please review the Private Placement Memorandum, Operating Agreement, and Subscription Agreement for complete details.