LEARN

INVESTOR INFORMATION

Phil Sanchez Bay Mountain Capital peronnel for finance legal and investor relations

Step 1: APPLICATION:

Complete Online Application
Provide Supporting Documents

Step 2: UNDERWRITING

Approve Preliminary Terms Sheet
Finalize Rehab or Construction Budget
Engage Feasibility Inspection
Approve Final Terms Sheet

Step 3: CLOSING

Order Title Commitment
Place Property Insurance
Clear Title Issues
Close and Fund/h6>

FAQ

Bay Mountain Capital offers a pooled mortgage income fund called Bay Mountain Fund I LLC (“BMFI”). Investors can purchase Membership Units and become equity Members of the Fund.

Bay Mountain Fund I LLC is managed by Bay Mountain Fund Management LLC, which is a wholly-owned subsidiary of Bay Mountain Capital. The principals of Bay Mountain Capital manage the day-to-day activities of the Fund.

BMFI commenced operations on April 1, 2014. However, Bay Mountain Capital has been making loans since 2009 with over 1,600 loans funded through December of 2016.

Investment in the Fund is limited to “Accredited Investors” as defined by the Securities and Exchange Commission. Generally, individual investors can qualify by having either a net worth over $1 million (excluding primary residence) or annual income over $200,000 for the previous two years ($300,000 for married couples).

The minimum investment for each unique investor is $100,000, which amount may be adjusted in the sole discretion of the Fund Manager.

The annualized return to investors is projected to be between 10% and 13% annualized, however, these returns are not guaranteed. Through the period ended September 30, 2016, the inception-to-date annualized return to Fund Members has been 12.3%.

The Fund receives 100% of the interest on all loans or rent on any owned real estate. BMFI also earns a portion of all origination, extension and exit fees charged on loans.

Investors are required to hold their Member units for a period of 12 months, after which redemption requests are met by the Fund Manager on a first-come, first-served and best efforts basis.

Investors may request a Private Placement Memorandum using the link here. After providing verification of accredited investor status, the investor will be required to sign the subscription agreement and deposit 10% of the total investment amount. The Fund Manager has 180 days to request the balance of the committed amount to complete the purchase of Member Units.

Yes. Please contact Phil Sanchez at phil@baymountaincapital.com to arrange a convenient time for an introductory phone call.

POOLED MORTGAGE INVESTMENT FUND WITH A STRONG TRACK RECORD

Is Bay Mountain Capital the right place to invest your money?

Bay Mountain Fund I LLC provides consistent double-digit returns to accredited investors seeking to diversify their investment portfolios with an alternative real estate allocation. The fund provides short-term financing to investors for both single-family and commercial properties in Texas and Georgia.

  • 12.3% annualized return since fund launch in April 2014
  • Trusted management team with extensive experience
  • Diversified loan portfolio in strong real estate markets

Bay Mountain Capital is a Dallas-based private lender. We manage a pooled mortgage income fund that originates small balance real estate loans primarily in major markets in Texas. Bay Mountain Capital has been in the private lending business since 2009, and since then we’ve originated over 1,600 loans totaling over $200 million.

  • BMFI has delivered consistent double-digit return to its Members – with a 12.3% annualized return since its inception in April of 2014.
  • BMFI is an open-ended “Evergreen” fund exempt from SEC registration under Regulation D, Rule 506(c).
  • BMFI is open to “Accredited” investors as defined by the SEC with a minimum investment size of $100,000.
  • BMFI has an advisory board composed of four prominent Dallas businessmen who are also investors in the fund. The fund also has a third party administrator and an annual CPA audit.
  • BMFI makes private “hard money” loans on small balance real estate, primarily in Texas and Georgia, on both single-family residential and commercial properties.
  • BMFI has a proven underwriting process with a historical loan-to-value of 65-70%.

CALCULATE

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1 Step 1

Calculate My Deal

Enter Purchase Price (Up to $1,000,000)
Enter Total Rehab Cost (Up to $500,000)
After Repair Value*
Choose Your Hold Time **
1 Month(s)
0
12 Month(s)

Loan Amount

$[(field35) * (field47)]

Borrower Cash at Closing (Est)

$[ (field35 * field47) - (field34) - (field33) - (field45 * field9) - (field35 *.03526316) - (field47 * .03526316)+.03] 

 Estimated Profit

$[(field35) - (field33) - (field34) - (field35 * field47 * field45) - (field35 * field47 * .02) - (field43) - (field35 * .01) - (field35 * field47 * .07 * 3) - (field35 * .004166 * 3) - (field35 * .06)]

Return on Investment

%[-(field37) / (field33) - (field34) - (field35 * field47 * field45) - (field35 * field47 * .02) - (field43) - (field35 * .01) - (field35 * field47 * .07 * 3) - (field35 * .004166 * 3) - (field35 * .06)]

Return on Equity

%[(field37) / (field36) - (field35 * field47 * .07 * 3) - (field35 * .004166 * 3)]

* Loan to value percentage varies if the ARV is above 500,000.

** Loan points are determined based the projected hold time as well as the carrying costs.

The above numbers are strictly preliminary estimates and are not intended to be an exact representation of any closing costs, loan terms, and profit/loss projections.  The Borrower should conduct their own due diligence and not make any decisions based solely on these estimates.

1-6 Months

6-12 Months

Loan Amount

$[(field40)]

Rehab Holdback

$[(-field34)]

Initial Loan Advance

$[(field40) - (field41)]

Less: Purchase Price

$[(-field33)]

Less: Origination Fee

$[(-field45) * (field67)]

Less: Processing Fee

$[(-field43)]

Less: Prepaids, Closing Costs

$[(field62) + (field61) + (field60) + (field59) + (field58) + (field57) - (2)]

Loan to Value

[(.73)]

LTC%

[(.01)]

Origination Fee

[(.02)]

Exit Fee

[(.02)]

Processing Fee

$[(595)]

Interest Rate

[(.14)]

Max LTC Loan

$[(field33) + (field34) * (field46) - (3)]

Max LTV

$[(field35) * (field47) - (3)]

Loan Amount

$[(field40)]

20% of Loan Amount

$[(field67) * (.2)]

Monthly Interest Payment

$[(field67) * (field42) / 12]

Monthly Tax Escrow Payment

$[(field35) * (.025) / (12)]

Total Monthly Payment

$[(field65) + (field64)]

Initial Tax Escrow

$[(field64) * (2)]

Prepaid Interest

$[(FIELD67) - (FIELD34) * (FIELD42) / 365 * (15)]

Insurance (1 YR)

$[(Field35) * (.005)]

Mortgagee Title Policy

$[125]

Settlement Charges

$[500]

Recording Charges

$[100]

Total Prepaids

$[(field62) + (field61) + (field60) + (field59) + (field58) + (field57) - (2)]

Holding Period

[4]

Cost of Sale

[.06]

Title Policy, Closing Costs

[.01]

Sales Price

$[(field35)]

Less: Purchase price

$[(-field33)]

Less: Rehab

$[(-field34)]

Less: Origination Fee

$[(-field45) * (field67)]

Less: Exit Fee

$[(-field44) * (field67)]

Less: Processing Fee

$[(-field43)]

Less: Title Policy, Closing Costs

$[(-field35) * (field53)]

Less: Interest Carry

$[(-field65) * (field55 - 1)]

Less: Property Taxes

$[(-field64) * (field55 - 1)]

Less: Cost of Sale

$[(-field35) * (field54)]

Estimated Net Profit

[(field35) - (field33) - (field34) - (field35 * field47 * field45) - (field35 * field47 * .02) - (field43) - (field35 * .01) - (field35 * field47 * .07 * 3) - (field35 * .004166 * 3) - (field35 * .06)]


Ne

Borrower Cash at Closing (Est)

$[(field35 * field47) - (field34) - (field33) - (field45 * field9) - (field43) - (field58) - (field57) - (field59) - (field35 * .005) - (field35 * .004166) - (field98 * .151)] 

w Field

New Field

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REQUEST PRIVATE PLACEMENT MEMORANDUM

  • Accredited Investor Disclosure

  • I have invested with Bay Mountain Capital since 2013, first through individual loan participations, and later in their fund, and have been impressed with the professionalism of all involved, the personalized reporting, and most importantly, the consistency and rate of my return on investment.
    Rod D.
  • Before one can truly take a measure of someone that you trust with your investment dollars, it takes time, multiple deals, and seeing how the team handles the inevitable challenges.  I have now had the luxury of all those elements in my investments with Bay Mountain Capital, and I can say without hesitation that these folks put their investors first, have the utmost integrity and deliver solid performance.
    Mark B.
  • There are many opportunities to invest in real estate, but few that offer a clear and consistent investment strategy with proven results. Bay Mountain Capital not only offers this, they are a team of highly talented individuals who love what they do and care about the people who entrust them with their money. For me, Bay Mountain Capital offers a risk/reward that is second to none.
    Clint N.