Sierra Davis
Sierra Davis is the founder of Essential Investment Group LLC and Principal and Fund Manager of Essential Income Fund I, LLC, a private real estate debt fund for accredited investors.
She has invested in mortgage notes since 2017 and brings a background in analytics and AI to underwriting real estate debt.
Current roles
Principal & Fund Manager, Essential Income Fund I, LLC
A private real estate debt fund for verified accredited investors that invests in performing senior-lien mortgage notes and originates short-term real estate loans secured by real property.
Founder, Essential Investment Group LLC
A Kansas City, Missouri real estate debt investment and lending company specializing in mortgage-note acquisitions, private lending, and seller-financed real estate.
Real estate debt experience
Sierra has been investing in mortgage notes since 2017. At Essential Investment Group she leads acquisitions, originations, and asset management: sourcing and buying performing mortgage notes, originating short-term loans secured by real property, and managing loans through payoff or resolution.
Her approach to underwriting is organized around the 3P Mortgage Note Underwriting Framework: what the collateral is worth (Property), who is paying and why they would keep paying (Payer), and whether the loan documents are clean and enforceable (Paperwork).
Background and education
Sierra's background is in analytics and AI, which informs a rigorous, data-driven approach to evaluating investment opportunities and managing risk.
- MBA in Data Science
- BS in Management Information Systems
Speaking and investor education
Sierra has educated more than 700 investors on alternative investments. She writes the weekly Wealth With Notes Newsletter, hosts the Wealth With Notes Podcast, and teaches live webinars and workshops on mortgage notes and real estate debt.
- Wealth With Notes Newsletter
- Wealth With Notes Podcast
- Webinars and replays
- Note Investing 101 investor guide
- What Is Real Estate Debt Investing?
- How Real Estate Debt Funds Work
- What Is Private Real Estate Credit?
- Mortgage Note Investing Explained
- What Is a Performing Mortgage Note?
- What Is Loan-to-Value (LTV) in Real Estate Lending?
- What Happens When a Borrower Stops Paying?
- Real Estate Debt vs. Real Estate Syndications
- Mortgage Notes vs. Rental Property
- Private Real Estate Debt vs. REITs
- Private Credit vs. Private Equity
- Senior-Lien Real Estate Debt Explained
- Real Estate Investments for Accredited Investors: 7 Options Compared
- Passive Real Estate Income for Accredited Investors
- Seller Financing Explained: When the Seller Becomes the Bank
- What Is a Contract for Deed?
- How Essential Income Fund Works
- Essential Income Fund: Frequently Asked Questions
- How to Invest in Real Estate Debt with a Self-Directed IRA
Media appearances
- From W-2 to $8K/Month Passive · Brian Luebben (Podcast)
- Rising Into Financial Freedom Through the Power of Notes · The REI Agent (Podcast)
- Paid Off Student Loans Early with Notes · JKP Holdings (Podcast)
- The Note Investing Strategy for Busy W-2 Professionals · Agent2Investor Podcast (Podcast)
Contact
For investor questions, media requests, or speaking inquiries, email info@essentialinvestmentgroup.com or call 816-384-0432. Essential Investment Group LLC, 4050 Pennsylvania Avenue, STE 115, PMB 4023, Kansas City, MO 64111.
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