A high-balance private money closing was recently completed in Telluride, Colorado, featuring a $4,000,000 loan secured in a first trust deed position. Structured at a 50.31% loan-to-value ratio and priced at a 10% interest rate, the transaction reflects a strong blend of conservative leverage and attractive yield in one of the country’s most sought-after luxury mountain markets.
The loan proceeds were designated to finish remaining construction on the subject property. Construction completion financing continues to be one of the most common and valuable uses of private capital, particularly when borrowers need speed, certainty, and flexibility to push a project across the finish line. Traditional lenders often hesitate to fund projects mid-stream, making private money a critical solution for maintaining momentum and protecting overall property value.
Telluride remains a premier destination market with limited inventory, high buyer demand, and strong long-term real estate fundamentals. Luxury homes in this area can command significant values, and projects nearing completion are often positioned for strong resale or refinance opportunities once construction is finalized.
With the loan held just above 50% LTV in a first-lien position, the deal maintained meaningful equity protection while still providing the borrower with substantial capital. This structure supports a clean exit strategy, whether through sale, refinance, or longer-term financing after construction is completed.
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