Building a $6M Micro Resort with Only 3% Down Using a USDA Loan | Ian Joseph E31

In this episode, we dive into an uncommon but powerful financing strategy that could change how boutique hospitality projects get funded. Ian Joseph, founder of Branch, shares how he’s leveraging a USDA Rural Business Development loan to finance a $6M micro resort buildout in West Virginia - with just 3% down.

We break down the entire capital stack, how USDA loans work for ground-up hospitality development, and why this financing tool is often overlooked by small to mid-size investors. Ian also shares his approach to designing high-ADR resort cabins, partnering with local economies, and building a scalable brand without taking on unnecessary overhead.

What You’ll Learn:

• Why USDA Rural Business Development loans are a hidden gem for hospitality developers
• How Ian structured a potential 97% LTV loan for his $6M project
• His step-by-step process for identifying profitable “hidden gem” towns
• How to market a boutique resort before it’s even built (and pre-sell stays)
• The economics behind luxury micro resorts vs. short-term rentals
• How to scale hospitality assets while staying community-focused

Whether you’re an aspiring boutique hotel investor or looking for creative ways to finance your next project, this episode is a masterclass in using leverage the smart way.

Connect with Ian:

Email: [email protected]

Website: https://staywithbranch.com

Instagram: @staywithbranch

Facebook: Staywithbranch

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