Most fixed-income options either lock you in for decades or barely beat inflation. The Jubilee Capital Fund offers 10-12% annualized returns, backed by real homes, with terms you can plan around.
How the Jubilee Capital Fund Works
Your capital is pooled with other investors and deployed across multiple home construction projects for built-in diversification.
You Invest in the Fund
Commit $50,000 or more to the Jubilee Capital Fund. Your investment is pooled with other accredited and qualified investors through Irby Capital LLC.
Fund Deploys Capital
The fund manager allocates capital across multiple Blueprint home construction projects. Build-to-sell and build-to-rent properties in Mobile and Baldwin County.
You Earn Fixed Interest
Receive 10-12% annualized interest, paid monthly or quarterly (your choice). Payments begin the month after your capital is deployed.
Principal Returned at Term
At the end of your term (1, 2, or 3 years), your full principal is returned. Reinvestment options are available for continuing investors.
What the Fund Builds
Capital from the Jubilee Fund finances two strategies in the Mobile, Alabama housing market.
Build-to-Sell
- New construction homes sold to individual buyers
- FHA, VA, USDA, and conventional buyer financing
- Typical cycle: 4-8 months from lot acquisition to sale
- Strong demand in Mobile's affordable housing market
Build-to-Rent
- New construction rental homes built and held
- Generates long-term cash flow for the fund
- Properties secured in high-demand rental areas
- Adds diversification beyond build-to-sell projects with steady rental income
Fund Terms
What to expect when you invest in the Jubilee Capital Fund.
The Numbers
| Interest Rate | 10-12% annualized |
| Minimum Investment | $50,000 |
| Term Options | 1 year, 2 years, or 3 years |
| Payment Frequency | Monthly or quarterly (your choice) |
| Collateral | Pool of properties (build-to-sell + build-to-rent) |
| IRA/401(k) Eligible | Yes, through self-directed IRA custodians |
| Administered By | Irby Capital LLC |
Why a Pooled Fund?
- Diversification: Your capital is spread across multiple properties instead of a single deal
- Hands-off investing: We select and oversee every project in the fund
- Longer terms: Earn interest for 1-3 years without deal-by-deal reinvestment
- Flexible payments: Choose monthly or quarterly interest payments
- Same security: Every dollar is backed by real homes under construction or already built in Mobile, Alabama
What Your Investment Could Earn
Projected returns at current fund rates. For illustration purposes only.
$50,000 at 10%
Year 1: $5,000 earned
Year 2: $10,000 earned
Year 3: $15,000 earned
$100,000 at 11%
Year 1: $11,000 earned
Year 2: $22,000 earned
Year 3: $33,000 earned
$250,000 at 12%
Year 1: $30,000 earned
Year 2: $60,000 earned
Year 3: $90,000 earned
Projections are for illustration only and assume interest is paid, not compounded. Actual returns depend on fund performance and are not guaranteed. See Important Disclosures below.
Private Lending vs. Jubilee Capital Fund
Two ways to earn fixed returns on Alabama real estate. Choose the option that fits your goals.
| Feature | Private Lending | Jubilee Capital Fund |
|---|---|---|
| Interest Rate | 9-11% annualized | 10-12% annualized |
| Minimum | $50,000 | $50,000 |
| Term | 6-12 months | 1-3 years |
| Collateral | Single property (1st lien) | Pool of properties |
| Payment | Monthly interest | Monthly or quarterly |
| Deal Selection | You review each deal | Fund manager selects |
| IRA/401(k) Eligible | Yes | Yes |
| Administered By | Irby Capital LLC | Irby Capital LLC |
| Best For | Hands-on investors who want to pick individual deals | Passive investors who want diversified exposure |
Private Lending offers a lower rate for shorter, deal-by-deal commitments where you select each property.
Want to pick individual deals? Learn about Private Lending
Who Manages the Fund
The Jubilee Capital Fund is administered by Irby Capital LLC.
Jared Irby
Founder & CEO, Blueprint Community Homes | Managing Member, Irby Capital LLC
Jared Irby has spent over 20 years building and leading companies across real estate, finance, and construction. He has personally overseen more than 2,500 residential real estate transactions and built one of the top-volume real estate operations in the United States before founding Blueprint Community Homes in 2024 to focus on affordable housing in South Alabama. He lives in Coastal Alabama with his wife Kristen and their five children. Jared invests his own capital alongside every lender and fund investor in the program.
- Administers all private lending and fund documentation
- Handles investor payments, reporting, and compliance
- Part of the Irby Group family of companies
- Based in Mobile, Alabama
Request Jubilee Capital Fund Details
Tell us about your investment goals and we will send you the fund overview and current terms.
No commitment. We'll send you the fund overview and current terms.
What Is the Jubilee Capital Fund?
The Jubilee Capital Fund is a pooled real estate investment fund that deploys capital across multiple new home construction projects in Mobile, Alabama. Investors earn 10-12% annualized interest, paid monthly or quarterly, with 1-3 year terms. The fund is administered by Irby Capital LLC and backed by the homes it finances.
Frequently Asked Questions
Common questions about the Jubilee Capital Fund.
What is the Jubilee Capital Fund?
The Jubilee Capital Fund is a pooled real estate investment fund that deploys investor capital across multiple new home construction projects in Mobile, Alabama. Investors earn 10-12% annualized interest paid monthly or quarterly, with 1-3 year terms. The fund is administered by Irby Capital LLC.
How is the fund different from private lending?
Private lending lets you pick and fund individual home builds. The Jubilee Capital Fund pools your money with other investors and spreads it across multiple projects, so you get built-in diversification without reviewing each deal. The fund also offers longer terms (1-3 years vs. 6-12 months) and the option of quarterly payments.
Is my money locked up for the full term?
Yes, fund investments are committed for the selected term (1, 2, or 3 years). This allows the fund manager to plan capital deployment across multiple building cycles. At the end of your term, you can withdraw your principal or reinvest.
What secures the fund?
The fund's assets include properties under construction, completed homes for sale, and completed rental properties. These are real, physical assets in the Mobile, Alabama market. The fund maintains conservative loan-to-value ratios across its portfolio.
Can I invest through a self-directed IRA?
Yes. The Jubilee Capital Fund is compatible with self-directed IRA and Solo 401(k) accounts. You will need a custodian that allows alternative investments. We can refer you to custodians used by other investors in the fund.
Who manages the fund?
Irby Capital LLC manages the fund and handles all investor documentation, payments, and reporting. Jared Irby, the founder of both Irby Capital and Blueprint Community Homes, serves as managing member with direct oversight of every construction project the fund finances.
What is the minimum investment?
The minimum investment in the Jubilee Capital Fund is $50,000. There is no maximum.
Have questions? Call Jared directly at 251-533-4726 or email [email protected].
Important Disclosures: This page is for informational purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any security. Investment in the Jubilee Capital Fund involves risk, including the potential loss of principal. Past performance is not indicative of future results. Fund investments are illiquid and subject to the terms of the fund's offering documents. This is not a public offering. Offers are made only to accredited and qualified investors through official fund documentation provided by Irby Capital LLC. Prospective investors should consult with their own legal, tax, and financial advisors before making any investment decision. Irby Capital LLC and BPCH Builders LLC are separate legal entities under common ownership. Not FDIC insured. No bank guarantee. May lose value.