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.

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