According to the Wikipedia article on Sedona, Arizona, opened for this page on October 28, 2026, Sedona straddles the county line between Coconino and Yavapai counties in the northern Verde Valley. The 2020 census counted 9,684 residents. The same article says the city is within the Coconino National Forest. It describes an array of pink sandstone formations that draw hiking and mountain biking, and it describes a New Age tourist industry. Politically, the article places the area it calls Uptown Sedona, the Gallery District, and the Chapel area in Coconino County, and West Sedona in Yavapai County. The city was incorporated in 1988. Those are geography sentences. They are not a loan program and not a statement that every parcel is hard to build on.
A lender on a Sedona hotel, restaurant building, or shop asks which county the deed is in, because the assessor follows the parcel, not the postcard. Visitor income can bunch up. The article does not publish a hotel calendar, so this page will not invent one. Bring the monthly collections. The parent region is Northern Arizona. The freeway city to the north is Flagstaff. The county seat to the west is Prescott. Statewide lodging is Arizona hospitality.
What a Sedona file should show before a source is named
Send the address, the rent roll, and a note on whether the income is rooms, a restaurant lease, or a shop. Owner-user commercial space, such as a clinic the practice occupies, can sit beside investor-owned income property. An SBA 504 or 7(a) loan, if the occupancy rules fit, is made by an SBA lender or a certified development company. The arrangement page is Arizona SBA 504. A property-improvement plan on a flagged hotel is Arizona hotel PIP. Capital Market Funds is not that lender and not the franchisor.
Insurance questions for a forest setting, and what a lender actually asks to see, are on Arizona insurance requirements. This page does not report a non-renewal. Apartments, if they come up, mean five or more units. A one-to-four-unit house, including a vacation rental the sponsor markets nightly, is outside this note. Agency debt for qualifying apartments is arranged with an approved lender. Capital Market Funds is not a Fannie Mae DUS lender.
The airport and the two commercial fields are context, not comps
Wikipedia says Sedona Airport is a non-towered general aviation airport inside the city limits, and that the nearest commercial airports are Flagstaff Pulliam, Prescott Regional, and Phoenix Sky Harbor. A lender does not treat those three fields as one trade area. Say which guests actually arrive, and from where. Do not paste a Phoenix hotel's story onto a Sedona rent roll.
No tombstone on this site names Sedona. Craig Hoebing takes the request at the Scottsdale office under NMLS 1445066. There is no second street address in the Verde Valley.
Sedona market context
- Two counties, one city
- Wikipedia places Uptown Sedona, the Gallery District, and the Chapel area in Coconino County, and West Sedona in Yavapai County. The assessor follows the parcel. Wikipedia, Sedona, Arizona, accessed for this page on October 28, 2026
- Pink sandstone and visitors
- The article describes pink sandstone formations used for hiking and mountain biking, and a New Age tourist industry. It does not publish a hotel occupancy figure. Wikipedia, Sedona, Arizona, accessed for this page on October 28, 2026
Sources a Sedona sponsor actually asks about
| Source | When it fits |
|---|---|
| Bank | A bank or credit union is often the first conversation for a smaller Sedona income property. The depository makes the loan. |
| Bridge & Private | Private bridge can cover a lease-up or a timing gap in Sedona. The money comes from private investors, not from this firm's own paper. |
| SBA 504 | Owner-user commercial space in Sedona, when an SBA lender and a CDC will take the file. This office is neither. |