7% – 14% ALT Yield
& 1st-Lien Security.
Alternative real estate investments designed for Accredited Investors and SDIRAs.
My name is James H. Ray, CPA, CFP®.
Drawing on over three decades of wealth management expertise, I architect tax-advantaged alternative investments that remove your capital from the fragile public casino. We target 7% to 14% annualized returns, anchored entirely by the security of holding 1st position mortgages on tangible, cash-flowing real estate across the Sunbelt. Evaluate our three core capital deployment strategies below.
Drawing on over three decades of wealth management expertise, I architect tax-advantaged alternative investments that remove your capital from the fragile public casino. We target 7% to 14% annualized returns, anchored entirely by the security of holding 1st position mortgages on tangible, cash-flowing real estate across the Sunbelt. Evaluate our three core capital deployment strategies below.
Evaluate Capital Deployments
Diversified Passive Income
The Southern
Legacy Fund
Target Annualized Net Yield
7.25%*
An Open-Ended 506(c) Private Debt Fund structured for steady, hands-off monthly income.
- Minimum Investment: $50,000
- 0% Asset Management Fee
- Distributions paid monthly via ACH
Direct 1st-Lien Control
First Trust Deeds
& LPAs
Target Net Yield
9.00%*
Direct Loan Participation Agreements granting you granular control over specific property assets.
- Maximum yield and direct physical collateral
- Short duration notes (6 to 12 months)
- Total privacy via off-record participation
Asset Ownership & Appreciation
Sunbelt Equity Partnerships
Target IRR
14.00%*
Transition from the “Lender” to the “Owner.” Partner with us in Special Purpose Entity (SPE) Joint Ventures to acquire and stabilize distressed Sunbelt assets.
- Capture forced property appreciation and operating cash flows
- Performance-based Sponsor Promote (we only win when you win)
- Target hold duration of 3 to 5 years
Unlock Trapped Retirement Capital
SDIRA Support & Benefits
Tax-Advantaged Structuring
IRS-Mandated Compliance
100% Non-Recourse
If you are deploying capital from a Self-Directed IRA or Solo 401(k), IRS regulations mandate specialized debt structuring. I provide direct access to non-recourse mortgage solutions tailored for 1-4 unit properties, enabling you to amplify your retirement purchasing power, escape public market volatility, and maintain absolute compliance.
“I built the Southern Legacy Fund to solve my own income needs. I am the largest investor. We sit on the exact same side of the table.”
Click here to schedule a strategy session.
Investor Directives & FAQs
Are these investments open to the general public?
No. Participation in the Southern Legacy Fund and our trust deeds is strictly limited to Accredited Investors as defined by the SEC under Regulation D, Rule 506(c). You must complete our qualification process prior to viewing active offerings.
Can I invest using my Self-Directed IRA?
Yes. Private real estate debt funds and First Trust Deeds are highly popular vehicles for Self-Directed IRAs and Solo 401(k)s. This strategy allows you to transition retirement capital out of volatile public equities and generate asset-backed yield tax-free or tax-deferred.
What are the management fees for the Fund?
We believe in total alignment of interests. The Southern Legacy Fund charges a 0% Asset Management Fee. We generate our revenue on the origination side, ensuring your capital is deployed strictly to generate your preferred return without a “2 and 20” drag on your yield.
How does a Loan Participation Agreement (LPA) protect my privacy?
Investor Underwriting acts as the Lead Originator and public Lender of Record. You act as the Silent Participant via a private LPA. Because we are the only entity listed on the publicly recorded county documents, your identity remains completely invisible to data scrapers and public records.
Institutional Whitepaper
Ready to deploy capital?A Technical Briefing for CPAs & Wealth Managers
Direct real estate investment inside a Self-Directed IRA requires strict adherence to IRS non-recourse guidelines. Download Jim’s comprehensive whitepaper covering Prohibited Transactions, UBIT, UDFI, and the operational frameworks required to protect your clients’ retirement assets.
Download the Free WhitepaperClick here to book a call with Jim.