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 Edwin D Epperson III Investing Edwin D Epperson III

Real Estate Self Directed IRA for Legacy Wealth

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.

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