Our Ethos

Rural Resilience and Vibrancy

Four Points Funding wants to continue establishing itself as a key partner in rural community revitalization and growth. Our focus to accomplish this is our Opportunity Zone Funds. We also manage an angel syndicate, West Slope Angels, that invests in companies across Western Colorado.

The geography we are focused on, “rural Colorado,” might seem specific to some, but in reality it is expansive. This encompasses all of Colorado other than the Front Range (Colorado's metropolitan corridor). We believe there is a greater opportunity for impact, and above-market returns, in emerging communities outside of the Front Range.

"Opportunity zones were designed to bring in capital to places that need it most, but that doesn’t make it easy to get community buy-in when you live a few towns away. Four Points Funding more than makes up for it with “a lot of integrity,” says Sarah Shrader, an entrepreneur local to Grand Junction. “When you get a company like Four Points Funding, who comes in and says, ‘What do you need from us? Here’s what we can do, but what do you need? Because this is your project. We want you to own it, and we want to just be here to help, and assist, and grow and partner with you.’ And that, I think the crucial part of opportunity zones, is really empowering these rural communities to recreate who they are.”

-Forbes, "Four Points Funding Revitalizes Hope in Rural Colorado."

The Immediate Need For Workforce Housing

A grand majority of Four Points Funding's investment dollars go towards large workforce multi-family housing developments. The developments provide for an immediate need of modern and accessible workforce housing in areas experiencing rapid economic and population growth. Growth is scary for locals. We understand because our team all lives in and cherishes the same types of communities in which we are investing. Once you realize how inevitable the growth is, the mindset shifts to how we can ensure these communities benefit from the growth while retaining their workforce and culture. The answer is resoundingly to build more housing and to ensure the housing is accessible to the community's workforce. The large housing projects are also what enable our comparatively smaller outdoor-focused hospitality projects.

"The coronavirus pandemic is leading to a new phenomenon: a migration to “gateway communities,” or small towns near major public lands and ski resorts as people’s jobs increasingly become remote-friendly. This is straining the towns’ resources and putting pressure on them to adapt. A new paper published in the Journal of the American Planning Association shows that populations in these communities were already growing before COVID-19 hit, leading to some problems traditionally thought of as urban issues, like lack of affordable housing, availability of public transit, congestion, and income inequality. And while COVID-19 has accelerated the friction, the study suggests that urban planners can help places adjust.”

-Fast Company, "Zoom Towns are Exploding Across the West."

Financial Return and Community Benefit

Our top priorities as a firm are creating both an outstanding financial return for our investors and an immediate and ongoing positive impact for the communities in which we are investing. In the for-profit investment world, returns and impact often are viewed as mutually exclusive, or minimally that one will reduce the other. However, we hold the strong belief that the more impact and community support our projects have, the greater financial return they will achieve.

"Experienced practitioners like Four Points prove that OZs can generate both impact and return.”

-FORTUNE, "Opportunity Zones haven’t fully reached their potential, but don’t write them off yet."

West Slope Angels

The unparalleled quality of life on the West Slope of Colorado has drawn an enormous base of financial and intellectual capital to the region, which is the driving force for our OZ investments. While we are ubiquitously visiting communities to understand where to invest, we also meet high quality companies and founders deserving of investment.

By investing in companies, we better understand the communities in which we invest and can reduce risk by playing a part in creating the jobs that will propel these communities. West Slope Angels provides significant seed round investments via our very active and ever-growing syndicate of angel investors.

West Slope Angels investments are deal by deal and are open to members of our syndicate. We do not operate a venture fund and there are no OZ investments in these companies from Four Points Funding. For more information, please reach out and visit the West Slope Angels website.


Four Points has unmatched community relationships and knowledge, ensuring the best diligence and investments.

Regional Expertise


Four Points is poised to be the leading Opportunity Zone fund in our fast growing state with our geographical focus.

Large Population Growth


Activating investments and investors supporting a strategy of additive investments with strong returns.

Private Equity Real Estate

Angel Investing

Four Points created and manages West Slope Angels.

Deal Sourcing

OZ Fund

Four Points manages a nationally recognized Opportunity Zone Fund focused on Rural Colorado.

Can you assist One

How it works

1. Realize and Invest Cap Gains

Investors have 180 days after realizing capital gains to invest it in an Opportunity Zone fund. Both the gain and the associated tax are invested in to the fund. Capital gains of any kind, including gains from stock or real estate, can be invested. Unlike 1031 exchanges, only gains are invested, allowing investors to extract their original basis. If the capital gain came from a partnership, the investor has until the end of the calendar year and 180 days into the following year to invest.

2. Defer Taxes

By investing their capital gains, investors get to defer their capital gain taxes realized today until 2026. This enables the investment of taxes that would have otherwise been paid to the government.

3. Reduce Taxes

If the capital gains are left in an Opportunity Zone fund for 5 years, a 10% step up in basis is applied (tooltip on step up in basis: a step-up in basis readjusts the value of an appreciated asset, providing a new cost-basis and lowering the tax liability), which equates to a 10% reduction in taxes. After the capital gains are invested for 7 years, an additional 5% step up is basis is applied, totalling in a 15% basis step up. With 2026 being the year tax is owed, 2019 is the last year to be invested for 7 years in an Opportunity Zone fund and receive a 15% basis step up. 2021 is the last year to receive a 10% basis step up.

4. Eliminate Taxes

After 10 years of being invested, all appreciation made within the opportunity zone investment can be realized tax free. That’s 100% forgiveness of taxes for gains made in the OZ, resulting in a large boost (projected around 30%) to returns.

All Four Points funds have a 10 year hold requirement, which realizes all Opportunity Zone tax benefits.