Why a Real Estate Self Directed IRA Beats Wall Street
Introduction: Escape the Market—And Build Legacy with Every Dollar
If you’re like Jody C. — a seasoned investor, semi-retired, and focused on legacy—chances are you’re done with Wall Street noise. You’re seeking control, consistent passive income, and an investment aligned with biblical stewardship and family values.
That’s where the real estate self directed IRA comes in.
It’s not just a tax-advantaged vehicle—it’s a strategy to preserve wealth, fund your retirement, and invest with conviction.
In this guide, we’ll walk through everything Jody and investors like him need to know about using a self-directed IRA to invest in real estate-secured loans through Blue Bay Fund I.
Self Directed IRA Loans for Real Estate Investors
Looking to do more with your retirement dollars? For accredited investors seeking both control and cash flow, self directed IRA loans real estate strategies can open new doors.
Instead of using all cash to purchase property within your IRA, you may qualify for a self directed IRA real estate loan—a non-recourse loan that allows your IRA to borrow funds for income-producing real estate. This approach helps preserve liquidity while expanding your portfolio into hard assets.
For investors who prioritize capital preservation, monthly income, and secured assets, this method offers a strategic way to grow retirement wealth—without the rollercoaster of public markets.
What Is a Real Estate Self Directed IRA?
A real estate self directed IRA (SDIRA) is a retirement account that gives you control over where your retirement capital goes, including alternative assets like private real estate loans secured to real property throughout the Southeast United States..
Unlike a traditional IRA:
You choose the investments
You're not limited to mutual funds or public stocks
You can hold real estate secured debt
Benefits of a Real Estate SDIRA
Diversification beyond market-linked instruments
Predictable income through monthly interest payments paid by the borrower of the loan secured to real estate
Tax-deferred or tax-free growth, depending on account type (Traditional or Roth)
Tangible asset backing, unlike equities or REITs where you invest in shares of the REIT, you are investing directly into the loan secured to investment real estate.
Can a Self Directed IRA Loan Money?
Yes When Structured Correctly
A powerful yet not well known strategy is that your self directed IRA can loan money to qualified third parties, secured by real estate. This approach allows you to act like a private lender, earning steady income while your capital remains tax-sheltered.
SDIRA Loan Requirements
To stay compliant with IRS rules:
No lending to “disqualified persons” (yourself, family members, etc.)
Must go through an IRS-approved custodian
Must involve proper documentation, such as promissory notes and secured liens
For Blue Bay Fund I self directed IRA investors, we ensure that these requirements are met and strictly adhered to. Invest with confidence that your investments through your self directed IRA fall within federal regulations.
Investing with Blue Bay Fund I: The Conservative Path to Passive Income
Why Real Estate Notes Are Ideal for SDIRAs
Instead of direct property ownership (which involves tenants, taxes, and time), Blue Bay Fund I offers a curated portfolio of real estate-secured loans—making it a low-lift, high-clarity alternative for investors like Jody.
How It Works
You direct your SDIRA custodian to fund your Blue Bay Fund I investment account. Our team handles:
Borrower, Property, and Project vetting
Underwriting and documentation review for accuracy
Monthly interest collection and distributions to your SDIRA fund account
Reporting requirements to your custodian
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.
Self Directed IRA Loans vs. Equity Investments
Setting Up Your Real Estate SDIRA: Step-by-Step
Choose a Custodian
Not all custodians allow alternative assets. We recommend SDIRA-specific firms like:
Sense Financial
Advanta IRA
Equity Trust Company
See our SDIRA Questionnaire and Checklist for a comprehensive guide to vetting and identifying your self directed IRA custodian.
Fund the Account
You can roll over funds from:
Traditional IRA
Employer 401(k) (partial or complete rollovers available pending your employers approval)
SEP IRA or SIMPLE IRA
Select Your Investment
Once funded, choose from our customizable, curated offerings with your real estate self directed IRA. You'll be able to review fully underwritten files, property photos, and loan summaries to help you make an informed decision. Once you make a determination, you simply select the opportunity and let our fund manager know how much you would like to invest.
Because your custodian reviews the Blue Bay Fund documentation, this only happens once, at the very beginning. After an investor is onboarded, they can make decisions of which loans to participate in through their fund portal whenever they want!
Case Study: Jody’s Real Estate IRA in Action
Investor Profile:
Jody C, age 51, Centerville, VA. Former government employee. Married, two adult kids. Looking for conservative cash flow, not speculation.
Strategy:
Rolled over $125K from a government pension into a ROTH self directed IRA. Invested $125K across three secured notes through Blue Bay Fund I.
ROTH self directed IRA Results:
Properties in Tampa and Panama City Beach
9.25% annual weighted yield
$963.54/mo in income—tax-free growth
Secured to real estate, no tenant hassles, no termites, toilets, or headaches and no worries.
Compliance Tips for SDIRA Real Estate Loans
Avoid Common Mistakes
No personal benefit or transactions with family (Blue Bay Fund ensures no loans you are investing in will violate this requirement)
Keep excellent documentation (Blue Bay Fund provides this to you and your custodian)
Use third-party servicing for note payments
Work with an experienced custodian + fund manager
Blue Bay Fund I manager, Edwin D. Epperson III, has over a decade's worth of experience structuring compliant, conservative SDIRA note investments with an impressive 0.43% annual default ratio in an industry where 5-7% default is acceptable.
Conclusion: Build Your Legacy with Clarity and Conviction
Investing through a real estate self directed IRA gives you more than a yield—it gives you peace of mind, purpose, and partnership.
With Blue Bay Fund I, you:
Gain control over your retirement
Earn passive income, not paper promises
Preserve your capital with secured investments
Steward your wealth with a values-based approach
Schedule a Private Investor Briefing Today
Tired of Wall Street? Ready to steward your retirement with purpose?
Join other accredited investors who are taking control of their retirement through real estate self directed IRA loans.
Book a 1:1 Consultation Call to see if we are a good fit for your portfolio diversification goals
View Blue Bay Funds’, no hassle, no high-pressure fund presentation
Create a self directed IRA account with one of our preferred vendors *See our SDIRA Questionnaire and Checklist
Onboard Blue Bay Fund using your SDIRA
Hand-pick customized and tailor-fitted loan opportunities
With Honor,
Edwin D. Epperson III,
Manager & CEO
Soli Deo Gloria
