Private credit offers accredited investors a disciplined path to wealth preservation through collateralized loans, seniority in the capital stack, and predictable income. This guide explains how private credit works, compares structures, and outlines how a real estate-secured strategy can protect principal while generating steady returns, including how Blue Bay Fund I approaches risk, underwriting, and alignment.

Real estate notes also known as promissory or mortgage notes flip the script. Instead of relying on appreciation, you step into the bank’s position. With the Lender’s Advantage:

• Provide capital.

• Set the terms.

• Collect interest first.

• Secure capital with property.

If a borrower defaults, you hold the first-position right to foreclose and reclaim your investment. This is structured, contractual investing — not speculation.

A self-directed IRA can open doors to real assets beyond Wall Street, but complexity often follows independence. Blue Bay Fund I offers a disciplined alternative through real-estate-secured notes, designed to preserve capital, generate steady income, and uphold faith-driven stewardship.

A cigar slows time in a world that rushes truth. It invites reflection, fellowship, and gratitude — not escape. For me, it’s a rhythm of ordered thought, quiet conviction, and the kind of presence that shapes how I steward both time and capital.

Discover how accredited investors earn predictable income and preserve capital through Blue Bay Fund I’s conservative, faith-driven private debt strategy, built for legacy-minded accredited wealth builders and their families’ generational wealth.

This mindset, to 'embrace the suck,' meaning don't try to avoid being uncomfortable; don't try to escape the pain, whether it's physical, mental, spiritual, or whatever it may be. Don't try to get away from it. Literally, embrace it, make it part of who you are, and in that embracing the suck, if you will, you begin to learn how to control that chaos and make it work for you.

Hosted by Blue Bay Fund I, this Special Forces–led event unites faith, family, and freedom through purposeful preparation. Led by Edwin D. Epperson III, former U.S. Army Green Beret and Combat Diver, this is where patriots, protectors, and families gather to sharpen shooting skills, spirit, and stewardship.

Real estate notes also known as promissory or mortgage notes flip the script. Instead of relying on appreciation, you step into the bank’s position. With the Lender’s Advantage:

• Provide capital.

• Set the terms.

• Collect interest first.

• Secure capital with property.

If a borrower defaults, you hold the first-position right to foreclose and reclaim your investment. This is structured, contractual investing — not speculation.

Edwin’s approach affirms God’s sovereignty, man’s role as steward, and Scripture as supreme authority for all of life—including investing. Every financial decision carries eternal significance. Faith-based investing means aligning financial decisions with biblical convictions. It goes beyond avoiding certain industries; it applies stewardship to every aspect of capital management.