CIGARS, WHISKEY & CAPITAL JOURNAL

Disciplined Thinking. Enduring Capital.

Cigars, Whiskey & Capital is Blue Bay Fund’s investment journal and perspective on alternative investment solutions. A place where disciplined private credit, leadership-driven wealth strategy, and long-term capital stewardship meet the mindset of serious investors.

01
Alternative Investment Perspective

02
Private Credit & Income

03
Capital Stewardship & Risk

Investing, Lifestyle, Faith & Family, Military Edwin D Epperson III Investing, Lifestyle, Faith & Family, Military Edwin D Epperson III

How to Build Passive Income with Real Estate Without Ever Being a Landlord

You don't have to become a landlord to create lasting wealth through real estate. The best passive income strategies allow your capital to work for you while avoiding late-night maintenance calls, tenant turnover, and day-to-day property management.

• Rental properties and REITs compared
• Real estate crowdfunding and syndications
• Private mortgage funds backed by real estate
• Predictable monthly income opportunities
• Real-world tradeoffs, risks, and tax considerations

Discover how Blue Bay Fund helps accredited investors pursue passive income through first-lien, real estate-backed investments designed for capital preservation and consistent monthly cash flow.

Read More
Investing, Lifestyle, Faith & Family, Military Edwin D Epperson III Investing, Lifestyle, Faith & Family, Military Edwin D Epperson III

Is My Principal Safe When Buying Mortgage Notes?

You worked too hard to build your wealth to leave it exposed to unnecessary risk in retirement. When buying mortgage notes, the question is no longer simply how to generate income, but how to protect your principal, preserve your peace of mind, and create predictable monthly cash flow backed by real estate collateral.

• First-lien protection
• Conservative loan-to-value ratios
• Predictable passive income
• No landlord responsibilities
• Real estate-backed security

See how Blue Bay Fund helps accredited investors pursue capital preservation and monthly income through senior secured mortgage note investing.

Read More
Investing, Lifestyle, Faith & Family, Military Edwin D Epperson III Investing, Lifestyle, Faith & Family, Military Edwin D Epperson III

Christian Investing: Faithful Stewardship in Retirement

You spent decades building what God entrusted to you. In retirement, the question is no longer how to chase higher returns, but how to protect your principal, generate reliable monthly income, and remain financially free to support your family, your church, and the ministries you care about most. For Christians, this is more than investing. It is faithful stewardship.

• Protect what was built
• Generate reliable income
• Remain free to give

See how Blue Bay Fund helps accredited investors pursue predictable income backed by senior secured real estate loans.

Read More
Investing, Lifestyle, Faith & Family, Military Edwin D Epperson III Investing, Lifestyle, Faith & Family, Military Edwin D Epperson III

Mortgage Note Investing for Beginners: Lessons from 150+ Deals

Disciplined investing separates predictable passive income from costly real estate mistakes. This guide covers three things every accredited investor should understand:

• How mortgage note investing generates consistent cash flow without property ownership
• How first-position, senior-secured lending protects investor capital
• How to build diversified, income-producing portfolios through disciplined underwriting

Actionable frameworks. Institutional discipline.
Built for investors who prioritize capital preservation first.

Read More
Investing, Podcast, Military Edwin D Epperson III Investing, Podcast, Military Edwin D Epperson III

Embrace the Suck: How this Green Beret Built a Real Estate Debt Fund

This mindset, to 'embrace the suck,' meaning don't try to avoid being uncomfortable; don't try to escape the pain, whether it's physical, mental, spiritual, or whatever it may be. Don't try to get away from it. Literally, embrace it, make it part of who you are, and in that embracing the suck, if you will, you begin to learn how to control that chaos and make it work for you.

Read More
Military Edwin D Epperson III Military Edwin D Epperson III

Outdoor Gun Shooting Range – Train with Special Ops.

Beans & Bullets delivers Florida firearms training like no other, led by former Special Ops professionals who bring real-world experience to the range. Whether you’re learning the basics or refining advanced tactics, this event provides a safe, structured, and empowering environment for everyone. And with family-friendly instruction, even minors can begin learning proper firearm handling with guidance and supervision.

Read More