Essential Income Fund
Fixed Returns with
Significant Downside Protection
Income fund designed for dependable cash flow, disciplined downside protection, and greater certainty
Essential Income Fund I, LLC is a private real estate debt fund for verified accredited investors. The fund invests in performing senior-lien mortgage notes and originates short-term real estate loans secured by real property.
Invest $100,000+ and add 1% to your term's rate: up to 10.50% fixed
Performing senior lien portfolio · Verified accredited investors only · SDIRA eligible
8-10.5%$100K+ adds 1% to your term's rate
$20,000Minimum investment
MonthlyInterest distributions
24-60Month certificate terms
$0Management or performance fees
How the Fund Works
Put your money to work the way a bank does
Most investors are stuck choosing between two bad options. Cash earns next to nothing, and markets swing with every news cycle. This fund gives you a third option, where you become the lender. Here is exactly how your money works.
Your capital funds real estate loans The fund makes short-term loans to people buying real estate, so your money comes back quickly and goes right back to work. It also buys existing loans from other lenders, where the borrower already pays on time, and holds them for the long term.
Real property stands behind every loan Every loan is secured by real property with a meaningful equity cushion standing between your investment and a drop in prices. If a borrower stops paying, the fund holds a recorded legal claim on the asset.
Borrower payments fund your income The interest borrowers pay the fund is what pays your contractual fixed rate of 8% to 10.5% a year, delivered monthly, with principal scheduled to return at the end of your term.
I invest alongside my investors, and there are no management or performance fees, so I am paid only after you are. Model your income below, or request the offering documents to see every detail.
Simplified illustration. Investors purchase secured term certificates, not direct loans. Fixed rates are contractual, not guaranteed. See the Private Placement Memorandum for complete terms.
Model Returns Calculator
What would your income look like?
Investments of $100,000 or more add 1% to your term's rate, applied to the entire amount, for up to 10.50% fixed.
$
Certificate term
$475Projected monthly income
9.50%Applied fixed rate
–First scheduled payment
$28,500Total interest over term
$88,500Distributions plus scheduled principal at maturity
Year by year schedule
| Year | Monthly income | Interest paid | Principal returned |
|---|
Hypothetical illustration based on term sheet rates, assuming interest is paid monthly and principal is scheduled to be returned at maturity. Not a guarantee of future distributions. See the Private Placement Memorandum for complete terms.
About Us
Why investors work with us
Real collateral, not speculation Every asset is secured by real property. Your investment is backed by our ability to source, underwrite, and manage mortgage note portfolios, not by projections or market sentiment.
Diversification By spreading your investment capital across multiple notes and loans simultaneously, we potentially reduce single-asset exposure. One investment, many senior lien positions.
Aligned interests We invest our own capital in every deal we manage, alongside yours. Your capital supports our shared pipeline, and we earn together.
Who this is for
Family Offices · Crypto & Alternative Asset Investors · Doctors & Medical Professionals · Experienced Real Estate Investors · Self-Directed IRA Investors · Attorneys & Legal Professionals · Non-Profit Organizations
Portfolio Details
Portfolio at a glance
A portfolio of performing senior liens, purchased at a discount and independently valued. Figures as of September 1, 2026.
60.4%Weighted average loan-to-value as of September 1, 2026, vs about 75% national average
First lienPrimarily first lien positions across the portfolio
$1MM+Collateral value behind the portfolio
Principal & Manager
Who manages your investment
Sierra Davis
Principal & Fund Manager
Sierra has been investing in mortgage notes since 2017 and leads the company's acquisitions, originations, and asset management. Sierra's background in analytics and AI informs a rigorous, data-driven approach to evaluating investment opportunities and managing risk. Her work also extends to educating over 700 investors on alternatives through a weekly newsletter and webinars. She holds an MBA in Data Science and a BS in Management Information Systems.
Due Diligence
The questions serious investors ask
Direct answers, in the order a careful investor would ask them. Ask these questions of every private lender, including us.
What is Essential Income Fund? +
Essential Income Fund I, LLC (“Essential Income Fund” or “the Fund”) is a private real estate debt fund that pays verified accredited investors a fixed 8% to 10.5% annual rate, monthly, from performing senior lien loans and notes, with no management or performance fees. Principal is scheduled to be returned at maturity. The fund's objective is capital preservation first, with fixed monthly income.
What is the fund designed to deliver? +
Essential Income Fund is a private real estate debt fund focused on capital preservation, built for investors who prefer contractual income over discretionary distributions, without owning property or managing tenants. The fund lends privately to real estate borrowers and buys performing senior lien notes at a discount, and your certificate pays a fixed contractual rate secured by real property.
The design goals are steady income intended to hold its ground against inflation, contractual payments that do not depend on a strong market, returns that come from interest rather than the direction of public markets, security in senior lien positions on real property confirmed by independent valuations, and a fully passive experience where we manage sourcing, underwriting, servicing, and asset management while you receive monthly interest.
What happens when a borrower defaults? +
At conservative LTV, a default is an operational event, not automatically a loss event. The fund holds a recorded legal claim and has six resolution paths: loan modification, forbearance, deed in lieu, short payoff, selling the note, or foreclosure and recovery, with lending weighted toward states where recovery is fast and predictable. Approximately 8% of capital raised is held in reserve to carry costs through a workout.
Does “fixed” mean guaranteed? +
No, and an operator who lets you believe otherwise has told you something important about themselves. Fixed means contractual: a stated rate on a stated schedule, enforced by a recorded claim on real property. The risks are operational: borrower default, valuation error, state recovery timelines, and the fund being newly formed. Each is managed at underwriting, and the full risk factors are in the Private Placement Memorandum. This is a private investment, not a bank deposit, and it is not FDIC insured.
What are the fees, and how are you paid? +
There are no fees to you: no management fee, no performance fee, no carried interest, and no acquisition fees. The Fund Manager is paid last, earning only the spread that remains after investors receive their full certificate rate and fund expenses are met. The rate on your certificate is the rate that reaches you.
What is the liquidity profile? +
Private debt trades by negotiation, not on an exchange, and certificates are term instruments: 24, 36, or 60 months, with interest paid monthly and principal scheduled to be returned at maturity. Early redemption is possible but not guaranteed, subject to available funds and Manager approval, and a 1.25% fee may apply. Capital that may be needed next quarter does not belong in an instrument built for years.
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See if the fund fits your portfolio
Essential Income Fund · Fixed 8% to 10.5% · Paid Monthly · +1% rate at $100K+
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