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.

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.

Where can you find these types of passive investments? You can research online for debt funds, as well as crowdfunding sites to invest in loans. You can also visit your local real estate clubs and network with active investors and builders to finance their projects. However, in most cases, you must have all the money the borrower requests to make the loan. Does the investor need $1M to build a new SFR house? Well, you need $1M in cash to be able to make the loan. If you invest through a crowdfunding platform, you may be able to invest in a slice of a loan, but you cannot research and conduct your due diligence on that loan. You have to invest “blindly” into these crowdfunding loans, trusting that the crowdfund manager properly underwrote each loan and mitigated the risks appropriately

Investing in private mortgage notes through Blue Bay Fund can be an attractive option for investors seeking diversity, simplicity, passive income, and monthly cash flow. My user-friendly platform, combined with the reduced risk and exposure associated with mortgage-backed investments, makes it a compelling choice for those looking to diversify their investment portfolio while enjoying the benefits of consistent cash flow.