Southern Legacy Fund | 7.25% - 8.50% Target Yield

The Mathematics of Income

7.25%+

TARGET YIELD

Target annualized net return. Distributed monthly via ACH or Reinvested for compound growth.

1st

LIEN POSITION

We lend up to 70% of appraised value. We hold the Senior Debt. You own the bank, not the house.

$0.00

MGMT FEES

0% Asset Management Fee. We only profit after you receive your 7% preferred return.

Invest In Your Backyard

You own land because you understand its enduring value. The Southern Legacy Fund executes short-term, first-lien bridge loans to professional real estate investors in these same markets.

Market: North Georgia and growth corridors in Sunbelt States.
Collateral: Non-owner occupied single-family residential.
Strategy: Low leverage (Max 70% LTV). High equity cushion.

AVG LOAN SIZE: $350k

The Fiduciary

James H. Ray, CPA, CFP®

Experience: 40+ Years Financial Expertise.

Track Record: Oversaw $1.125 Billion in transactions for real estate investors nationwide.

"I built this fund to solve my own income needs. I am the largest investor. We sit on the same side of the table."

The Offering Matrix

Minimum Investment	$50,000.00
Preferred Return	7.00%
Profit Split	75% LP / 25% GP
Distributions	Monthly (ACH) or Reinvested
Liquidity	12-Mo Lockup, then Quarterly

Request Priority Access

Limited Allocation Available

I believe in direct communication. Expect a personal call from me within 24 hours to review the offering and your liquidity goals. The Private Placement Memorandum (PPM) will be delivered immediately following our introductory discussion.

First Name

Last Name

Email Address

Phone Number

Are you an Accredited Investor?

🔒 Your data is secured. We do not sell lists.

Target Net Yield:
7.25% – 8.50%*.

Monthly Income. First-Lien Senior Debt. Zero Asset Management Fees.
Exclusively for Accredited Investors.