Accredited Capital
& Private Debt.
Exclusive 1st-Lien yield strategies for High-Net-Worth Investors & SDIRAs.
My name is James H. Ray, CPA, CFP®.
Drawing on over three decades of wealth management expertise, I architect tax-advantaged private debt strategies that remove capital from the fragile public casino and anchor it to tangible, first-lien real estate.
Drawing on over three decades of wealth management expertise, I architect tax-advantaged private debt strategies that remove capital from the fragile public casino and anchor it to tangible, first-lien real estate.
Core 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
Specialized Structuring
Retirement Capital
SDIRA Non-Recourse Strategies
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 purchasing power while maintaining absolute compliance.
“I built this fund to solve my own income needs. I am the largest investor. We sit on the exact same side of the table.”
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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.
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