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.

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.

For accredited investors seeking secure and consistent returns, private debt funds are an excellent option. They offer predictable cash flows with the added benefit of being backed by valuable assets. Private debt funds lend capital to borrowers in exchange for fixed interest rates. These loans are often secured by real estate or other tangible assets, providing an added layer of protection for investors. In return, investors receive regular interest payments, creating a steady income stream.