Bank CDs pay under 5%. The stock market keeps you up at night. Your money could be building a home for an Alabama family and earning you 9-11% annualized returns, secured by the property itself.
How Private Lending Works
You fund one house build at a time. Your investment is secured by the property.
We Identify a Build
Blueprint acquires a lot and selects a floor plan for construction in Mobile or Baldwin County.
You Review the Deal
We present the property, expected build cost, timeline, and projected sale price. You decide if you want to fund it.
You Fund the Build
You wire $50,000+ to fund the construction. Your investment is secured by a promissory note and first-lien deed of trust, administered by Irby Capital LLC.
Construction Begins
Blueprint builds the home (typically 60-120 days). You receive fixed monthly interest payments during construction.
Home Sells
The completed home goes on the market. Average days on market in our price range is under 60 days.
Principal Returned
When the home closes, your full principal is returned. Total cycle: typically 6-12 months from funding to payoff.
Investment Details
What to expect when you lend with Blueprint through Irby Capital.
The Numbers
| Interest Rate | 9-11% annualized, paid monthly |
| Minimum Investment | $50,000 |
| Typical Term | 6-12 months |
| Security | First-lien position on the property |
| Payment Frequency | Monthly interest; principal at sale |
| IRA/401(k) Eligible | Yes, through self-directed IRA custodians |
Protections
- Secured by real property in Mobile or Baldwin County
- Loan-to-value typically 65-75% of projected sale price
- Each deal is an individual note with specific collateral
- Irby Capital LLC administers all documentation and payments
- Jared Irby invests his own capital alongside every private lender in the program
- Homes in our price range average under 60 days on market in Mobile County
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 |
The Jubilee Capital Fund offers a higher rate to reflect the longer commitment period and built-in diversification across multiple properties.
Want more diversification? Learn about the Jubilee Capital Fund
Who Manages Your Investment
Private lending through Blueprint 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 Private Lending Information
Tell us about yourself and your investment goals. We will follow up within one business day with available opportunities.
No commitment. We'll send you current opportunities to review.
Prefer to talk? Call 251-322-BLUE.
What Is Private Lending for Home Construction?
Private lending for home construction means you personally fund the building of a specific home and earn fixed interest on your money. Your loan is secured by a first-lien deed of trust on the property. You choose each deal, earn 9-11% annualized interest paid monthly, and receive your principal back when the home sells.
Frequently Asked Questions
Common questions about private lending for home construction.
What is private lending for home construction?
Private lending means you personally fund the construction of a specific home by lending money at a fixed interest rate. Your loan is secured by the property being built. It works like being the bank on a single deal, except you earn a much higher interest rate than a bank CD or savings account.
How is my investment secured?
Each private loan is secured by a first-lien position on the property being built. Loan-to-value ratios typically stay between 65-75% of the projected sale price. If something went wrong, you would have a claim on real property worth more than your loan amount.
When do I receive interest payments?
Interest is paid monthly, starting from the month your funds are deployed. Payments arrive on a fixed schedule through the life of the loan. When the finished home sells, your principal is returned in full.
Can I use my IRA or 401(k)?
Yes. Private lending through Irby Capital is compatible with self-directed IRAs and Solo 401(k) accounts. You will need a self-directed custodian that allows alternative investments. We can point you to custodians that other investors in the program use.
What happens if the home takes longer to sell?
You continue earning monthly interest until the home sells and your principal is repaid. Homes in our price range average under 60 days on market in Mobile County, but extended timelines mean more interest for you, not less.
Who is Irby Capital LLC?
Irby Capital LLC is the entity that administers the private lending program. It handles all promissory notes, deeds of trust, payment processing, and investor reporting. Irby Capital is part of the Irby Group family of companies, which also includes Blueprint Community Homes (the builder).
What is the difference between private lending and the Jubilee Capital Fund?
Private lending lets you pick individual deals and fund one house at a time. The Jubilee Capital Fund pools your money with other investors to fund groups of homes, offering more diversification and longer terms. Both are administered by Irby Capital LLC.
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. Private lending involves risk, including the potential loss of principal. Past performance is not indicative of future results. All investments are subject to the terms of individual loan agreements administered 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.