Everyone talks about owning real estate. The lender controls the deal. We raise capital from accredited investors and deploy it as development and value-add loans secured by real property — in markets we can personally monitor, within driving distance of where we live.
We'll be in touch within one business day with the full fund overview.
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A short overview of the fund — how it works, how your capital is protected, and why we built it.
Accredited investors contribute capital to the BD Lending Fund. Your capital is deployed as development and value-add real estate loans — secured by property within an hour and a half of where our fund manager lives and works.
We source, underwrite, originate, and service every loan entirely in-house. No outsourcing. No third-party originators. We know every borrower and every property in the fund because we put them there.
Investors receive an 8% preferred return, paid quarterly. Preferred means you are paid before the fund manager participates in any profit. No termites. No toilets. Just returns.
The fund lends within roughly an hour and a half of Rosemary Beach, FL — our fund manager's home base. Not because we have to, but because that is the model. We only lend on properties we can visit, in markets we actively monitor, with borrowers we can sit across a table from.
Hands-on deployment of capital is not a marketing phrase here — it is how the underwriting works. Local knowledge, direct access, and personal accountability on every deal.
Capital is released in stages tied to verified milestones. If a project stalls, so does the funding. The lender — not the borrower — controls how capital moves.
Borrowers bring equity to every deal. That equity sits above the fund's loan position. If value drops, they lose first. The fund's capital is protected by a real cushion on every deal.
Every project is within driving distance of our fund manager. We visit sites. We know the market. We are evaluating properties we can stand on — not approving deals from a spreadsheet.
The Florida Panhandle region has seen consistent population and real estate growth across multiple counties. The demand for development capital and value-add financing in this market is driven by real population inflows, limited existing inventory, and sustained construction activity.
We lend into a market where underlying demand is genuine and data-supported. That matters for the collateral securing every loan in the fund.
Walton County population growth since 2010. Median home value from $77k in 2000 to $438k today.
Bay County metro ranked 2nd nationally for percent growth in 2024, at 3.8% — among the fastest-growing metros in the U.S.
Okaloosa County population anchored by Eglin Air Force Base — a permanent, recession-resistant demand driver for housing and commercial space.
Highway 331 four-lane expansion complete, opening inland Walton County to significant new development pressure from coastal overflow.
Our fund manager is based in Rosemary Beach, FL. Every loan we originate is on a property within our personal operating radius — a borrower we can meet, a site we can visit, a market we understand. Hands-on deployment is not an optional feature. It is the entire model.
This is not a stock. It is not a promise. Every loan the fund holds is secured by a recorded lien on real estate — a physical asset with real market value. If a borrower does not pay, the fund has a legal claim on the property.
The borrower's equity sits above our loan position in the loss order. They lose first. The property would have to lose significant value before the fund's capital is ever at risk. That buffer is built in by design, on every deal.
Every loan is collateralized by a recorded lien on real property. The asset backs the debt — not a business plan, not a projection. Physical real estate you can drive to.
We source, underwrite, originate, and service every loan entirely in-house. No outsourcing. No third-party originators. We know what is in the fund because we made every loan in it.
Preferred return means your 8% is distributed before the fund manager participates in any profit — every quarter, without exception. You are at the front of the line.
Most debt funds are run by people who raise capital and then figure out how to deploy it. We have been deploying capital into real estate loans for 18 years. The fund is the natural extension of what we already do every single day.
We control every part of the process — deal sourcing, underwriting, origination, and servicing. That is not how most funds operate. Most outsource origination to third-party lenders they have never met. We are the originator. We make the loan. We hold the note. We know every deal in the fund.
And we are local. Our fund manager lives in Rosemary Beach, FL. We lend within roughly an hour and a half of home base — on properties we can visit, with borrowers we can meet. We know what the collateral is worth because we can verify it ourselves.
Fill out the short form and we will send you the complete fund documentation — structure, terms, minimum investment, and how to participate.
Request Fund OverviewAccredited investors only · Birch & Dobson LLC · Rosemary Beach, FL