Income Focused
A core income solution. You earn interest on every loan we fund — paid out on a set schedule.
Distributions targeted quarterly*
The Fund · Overview
Income-focused private lending. Structured for protection.
You earn interest on short-term, property-backed loans to vetted operators — no tenants, contractors, or closings to manage.
Fund at a Glance
- 14%*
- Estimated target return
- $100,000
- Minimum investment
- Quarterly*
- Targeted distributions
- Accredited
- Who can invest
- Oct. 2025
- Fund inception
- Rule 506(c)
- Reg D exemption
[confirm] Prior materials reference 2021 and November 2024; confirm their relationship to the October 2025 fund inception.
[confirm] Final Reg D Rule 506(c) offering language.
Strategy: Short-term, property-backed loans; subordinated secured position.
Strategy
Built for income. Structured for protection.
Capital Protection First
Every loan is secured by real property, with a defined exit agreed before we fund. Return of capital comes first; return on capital comes second.
Secured by real property, every deal
Secured Position
We typically hold a subordinated secured position alongside vetted senior partners. Protection comes from real collateral and a clear path to repayment.
Real collateral. Defined exit.
Relationships, Not Transactions
Every dollar we've deployed came through referrals — people who worked with us once, introducing us to the next.
Built on referrals, not marketing
Capital Protection
Real collateral. Defined exits. Trusted operators.
Subordinated secured — alongside vetted senior partners.
We typically hold a subordinated (junior) secured position, working alongside vetted senior partners. Every loan is secured by real property, with a defined exit before we fund.
Our protection comes from real collateral and a clear path to repayment — not from timing the market.
Where Your Capital Sits
A simplified view of the capital stack behind a typical loan.
Property Value100%
Senior Debt~65%
Legacy Bloom (Your Capital)~15%
Sponsor Equity / Cushion~20%
Illustrative only. Actual stack varies by deal. Sponsor equity sits beneath Legacy Bloom, providing cushion before losses reach investor capital.
Where You Fit
A fit, not a fit-everyone.
Allocators looking for income
Investors who want consistent income on a portion of their portfolio without taking on real-estate operations.
Self-directed retirement capital
Investors deploying IRA capital where reliable, asset-backed yield matters more than aggressive growth.
Operators turned allocators
Former real-estate operators who want to stay close to the asset class — without rebuilding a team.
Patient family capital
Multi-generational capital that values structure, reporting, and a long-term relationship.
FAQ
Common questions.
Who can invest?
Legacy Bloom is open to accredited investors. We verify accreditation as part of onboarding.
What is the minimum investment?
The minimum investment is $100,000.
How long is my capital committed?
Loans typically run 6–12 months. The fund structure allows for ongoing deployment with defined liquidity windows.
How are returns paid?
Distributions are paid on the fund's published schedule. Investors may reinvest or take distributions in cash.
Can I invest with retirement capital?
Yes. Many of our investors use self-directed IRAs. We can walk you through how it works.
What are the risks?
All investments involve risk, including loss of principal. Real estate-secured lending carries borrower, property, market, and liquidity risks. Past performance is not indicative of future results.
Not built for everyone. Built for the right ones.
* 14% is an estimated target return, not a guarantee. Actual returns vary by deal and are not assured. Past performance is not indicative of future results.
* Distributions are targeted quarterly and are not guaranteed. Timing and amount depend on fund performance and deal activity.