Grand Junction Hard Money and Investor Loans

We lend directly, with our own capital. We fund deals across Grand Junction, Clifton, Fruita, Palisade, Orchard Mesa, Redlands, Delta, and Montrose. We are headquartered in Bee Cave, Texas, and every loan is business-purpose only, on investment property, with terms subject to underwriting. Talk to us.

Yes, each jurisdiction sets its own cap. Grand Junction limits primary short-term rentals to 3% of residentially zoned lots citywide, 7% downtown, under Ordinance 5163. Fruita caps the entire city at 65 permits inside a defined downtown triangle, and a permit does not transfer to a buyer at closing. Palisade caps a small fixed number of permits under a 2025 ordinance and has run a waitlist. Unincorporated Mesa County has no percentage cap that this research located, though vacation rentals still need county site plan review. Confirm the specific jurisdiction and its current cap before you underwrite a short-term rental exit. See the DSCR program. Subject to underwriting.

Plan for roughly 0.456% of value, well below the national average. For tax year 2025, Mesa County assesses residential property at 6.25% for local government levies and 7.05% for school levies, against a countywide median mill levy of 68. On the assessor's own worked example, a $400,000 home produces a $1,822.40 tax bill. On a $427,763 Grand Junction house that works out to roughly $1,950 a year, our arithmetic on the assessor's figures. Mill levies vary by fire, water, school, and city district, so 68 is a countywide median, not a specific parcel's rate. Colorado does not reassess on sale; the county revalues on its own odd-year cycle instead. Talk to your CPA about your specific parcel. See the DSCR program. Subject to underwriting.

Outside a municipal water service area, yes. The Grand Valley holds the most senior call on the Colorado River, a set of agricultural rights dating to 1898 that can curtail junior upstream users, typically from July through October. A new well outside Ute Water Conservancy District's or a city's service area generally needs a tap, a 35-acre exempt well, or a Water Court Division 5 augmentation plan before we can size a ground-up loan. Ask for the water supply plan or tap commitment early. See the ground-up construction program. Subject to underwriting.

Mostly a hold market. Grand Junction home values have moved 2% to 3.5% a year on Zillow's mid-tier index through July 2026, a grind rather than a spike, while rents in Fruita and Montrose are climbing faster than values. Reported rental vacancy runs near 3.1%, against a citywide estimate of roughly 2,100 units of shortage. The county's economy now runs on healthcare, education, and government, not the oil and gas drilling that once defined it: extraction was about 5% of countywide output in 2022, down from 8% in 2017. See the DSCR program. Subject to underwriting.