Edwin’s approach affirms God’s sovereignty, man’s role as steward, and Scripture as supreme authority for all of life—including investing. Every financial decision carries eternal significance. Faith-based investing means aligning financial decisions with biblical convictions. It goes beyond avoiding certain industries; it applies stewardship to every aspect of capital management.

Preserve your wealth, earn steady returns, and protect your legacy with our Capital Preservation Fund — a real estate–secured private debt strategy designed for accredited investors seeking stability and generational security.

The definition of a note is quite simple. A note is a physical representation of your capital (the lenders) given to you by the borrower. The note tells all parties involved how much you are lending, what is the rate of return, when you should expect that note to be repaid, and the payment structure of the note. This is just like REAL money because it’s a legally binding document, enforceable in court that is a representation of the exact amount of money you loaned. Keep it secret, keep it safe.

Tired of being shut out of the most rewarding investment opportunities? Accessing alternative investments for non-accredited investors is hard. In fact, less than 10% of private real estate deals are accessible to non-accredited investors. Access—not intelligence or capability—is the key differentiator. Smart investors start where they are and build relationships over time.

As a conservative, accredited investor, you're tired of market swings, Wall Street jargon, and hidden fees. You want clarity. You want control. And above all, you want cash flow backed by real assets. That’s where mortgage note investing comes in.Through Blue Bay Fund I, you can invest in mortgage loans based on bank statements and other secured structures—offering transparency, risk mitigation, and steady income. This is not speculation. This is investing in notes and mortgages with integrity and vision.

Highlights investors care about

• 8–10% annual yield targets

• Low LTV ratios (Max 75% to under 65%)

• 12–18 month terms for flexibility

• Monthly income distributions; reinvestment of monthly earnings to achieve compounding interest

• No stock market exposure

Manager “skin in the game”.  Every loan made by Blue Bay Fund is first made 100% by our fund manager, Edwin Epperson. Investors then backfill our manager's position with their own selected amount.

Discover how high-yield real estate notes are helping savvy investors build crash-proof wealth. With fixed monthly income, asset-backed security, and no operational hassle, this powerful strategy offers predictable returns and protection in volatile markets.

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Discover why cash flow investments backed by real estate are outperforming traditional assets in 2025.
In this article, Edwin Epperson II, manager of Blue Bay Fund I, reveals how accredited and sophisticated investors are building generational wealth through debt-based real estate investing. With monthly income, low risk, and high control, these structured strategies are turning the tables on Wall Street. Learn how to invest like a banker—not a gambler—and explore real estate-secured notes that offer protection, liquidity, and returns in any economy.