Invest in Flip Properties, Without Swinging a Hammer.

We do the hard labor, you collect paychecks.

Learn More

About Us

Who is Bay Capital?

Bay Capital is a hard money lending company focused on providing reliable financing to real estate investors and flippers. Geographically, we provide funding throughout the entire state of Maryland. We invest primarily in fix and flip single-family homes, as well as multi-family and small-balance commercial properties — always in 1st lien position for maximum security. Our funding approach is designed to support real estate professionals looking for cash to jumpstart their next project.

At Bay Capital, we offer our investors attractive returns ranging from 10-11%, paid out monthly, ensuring alignment of interests and project success. Unlike many other alternative investments, we invest our own cash alongside our investors in every deal, demonstrating our commitment and confidence in each investment opportunity.

Our founder, Luis Contreras, started in 2003. He brings a wealth of experience to the table, having been in the industry for over 20 years and completing over $300M in loans. We are dedicated to creating profitable and secure investment opportunities for our clients, leveraging our deep industry knowledge and hands-on approach to deliver consistent results.

Bay Capital is looking a lot better than the stock market these days."

Jason D.

Investor since 2022

Our Offering - Regulation D

Yields & Returns

10%
Annual Yield
$100k Invested: 10.5%
Annual Yield
$250k Invested: 11%
Annual Yield
$500k+ Invested

Investment Calculator

Simulate Your Returns

Amount

Interest Rate (%)

Years

Profits

Growth Projection

Yearly Breakdown

Year	Int. Earned	Total Value

Invest

Why Invest with Bay Capital?

Help grow and protect your wealth by diversifying your portfolio with 100% hands-off real estate.

High Yields in a Low-Yield Market: Since the COVID pandemic when yields hit historic lows, the market has been slow to rebound. Because of our strategy, we're able to offer high-yield securities in a low-yield environment.
Security: Investments are always backed by physical real estate in first lien position. In the event of a default, we have significant collateral to recoupe the investment.
Diversification: By spreading your investment capital across multiple projects simultaneously, we mitigate risk. We also invest our own capital alongside yours.

Our Portfolio

Recently Completed Projects

We leverage investor capital secured by first lien position real estate and turn unlivable properties into works of art.

3/28/25

Commercial

313 Eastern Blvd. Essex, MD 21221

Loan: $1.35M / Borrower Profit: $200.00k

3/22/25

Residential

1398 Waterford Rd Essex, MD 21221

Loan: $250.00k / Borrower Profit: $185.00k

3/15/25

Commercial

405 Mace Ave Essex, MD 21221

Loan: $750.00k / Borrower Profit: $180.00k

Our Offering - Regulation D

Our Investment Process

Investors earn 10-11% annual yield via residential or commercial fix and flip properties. Here’s how:

Strategic Asset Targeting: We target residential, small multi-family, and small-balance commercial property for maximum control and lower risk.
Leverage Debt Capital: We leverage the investments from our capital investors to lend on fix and flip properties in first lien position only.
Collect Profits: Borrowers make monthly interest payments to for the duration of the project.
Pay Out Interest to Investors: Bay Capital pays 10-11% annual yield to investors monthly. From there, you can choose to disburse your profits or re-invest into another project.

Common Questions

Frequently Asked Questions

Can't find the answer to a question? Reach out to us.

What's the minimum investment?: Our minimum investment is $100,000, with higher yields for larger amounts. See the chart above for details.
What returns can I expect?: You'll earn a flat 10-11% annually, depending on your investment size.
What types of real estate do you invest in?: We invest in residential and commercial fix-and-flip properties, focusing on low-risk projects in non-rural areas.
What are the risks?: Real estate involves market risks, but we mitigate them with low-risk properties, short-term loans, and low LTVs. You're also diversified and further protected across our multiple projects.
What happens if a project defaults?: We foreclose, finish the project, and sell the property to recoup the investment. Our default rate is under 0.5%.
How liquid is the investment?: It’s not as liquid as other investments (such as stocks or bonds), because we invest in physical real estate. We recommend investing money you won’t need for 6 months minimum, but ideally longer. Withdrawals require a 90-day notice.
Can I add/withdraw funds anytime?: You can withdraw your funds at any time, but we do require a 90-day notice. You can add funds at any point.
Are there any fees charged to me as the investor?: Nope! We don't charge any fees to you whatsoever.
How are taxes handled?: We send a 1099-INT for earned interest. It’s usually taxed as short-term capital gains.
How are interest returns distributed?: We pay out interest returns on the 15th of each month. You have the option to reinvest your earnings or have them sent to you.
Can I review the fund's history?: Yes! Reach out and we’ll send you past deal info.
How do you handle downturns?: We maintain a 15% minimum equity cushion to absorb market downturns (but are typically more conservative than this).
What due diligence is done on projects/borrowers?: We inspect the property, review comps, and vet borrowers’ background, credit, and financials.
Can I reinvest/compound my profits?: Yes! Our "roll-up" policy lets you reinvest profits into new projects. Roughly 80% of our investors choose to do this.
Do you invest in 2nd-lien positions?: No, we only invest in 1st-lien positions.

Take action

Ready to Dive In?

Feel free to give us a call directly, or submit the form and we'll reach out to you. In most cases, we'll reach out same day.

Address: Bay Capital Group LLC
803 Eastern Blvd
Essex, MD 21221
Telephone: +1 (410) 686-1000
Email: team@baycapitalgroupmd.com