Real estate notes also known as promissory or mortgage notes flip the script. Instead of relying on appreciation, you step into the bank’s position. With the Lender’s Advantage:

• Provide capital.

• Set the terms.

• Collect interest first.

• Secure capital with property.

If a borrower defaults, you hold the first-position right to foreclose and reclaim your investment. This is structured, contractual investing — not speculation.

A self-directed IRA can open doors to real assets beyond Wall Street, but complexity often follows independence. Blue Bay Fund I offers a disciplined alternative through real-estate-secured notes, designed to preserve capital, generate steady income, and uphold faith-driven stewardship.

A cigar slows time in a world that rushes truth. It invites reflection, fellowship, and gratitude — not escape. For me, it’s a rhythm of ordered thought, quiet conviction, and the kind of presence that shapes how I steward both time and capital.