Most fixed-income options either lock you in for decades or barely beat inflation. The Jubilee Opportunity Fund offers 10-14% annualized returns, backed by real homes, with terms you can plan around.
How the Jubilee Opportunity 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 Opportunity Fund. Your investment is pooled with other accredited and qualified investors through Irby Capital.
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 10-14% 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 Opportunity Fund.
The Numbers
| Interest Rate | 10-14% annualized (based on investment size & term) |
| 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 |
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
- Online investor portal to track your capital, payments, and fund performance
Rate Schedule
Your interest rate is determined by your investment amount and term length.
| Investment Amount | 1 Year | 2 Year | 3 Year |
|---|---|---|---|
| $50,000 – $199,999 | 10% | 11% | 12% |
| $200,000 – $499,999 | 11% | 12% | 13% |
| $500,000+ | 12% | 13% | 14% |
Rates are annualized and paid monthly or quarterly (your choice). Longer commitments and larger investments earn higher rates. See Important Disclosures below.
Private Lending vs. Jubilee Opportunity Fund
Two ways to earn fixed returns on Alabama real estate. Choose the option that fits your goals.
| Feature | Private Lending | Jubilee Opportunity Fund |
|---|---|---|
| Interest Rate | 8-10% annualized | 10-14% annualized (based on size & term) |
| 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 | Irby Capital |
| 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 Opportunity Fund is administered by Irby Capital.
Jared Irby
Founder & CEO, Blueprint Community Homes | Managing Member, Irby Capital
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
Track Your Investment in Real Time
Every fund investor gets access to our online portal where you can monitor your capital deployment, track interest payments, download quarterly statements, and see the properties your investment is funding.
Request Jubilee Opportunity 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 Opportunity Fund?
The Jubilee Opportunity Fund is a pooled real estate investment fund that deploys capital across multiple new home construction projects in Mobile, Alabama. Investors earn 10-14% annualized interest, paid monthly or quarterly, with 1-3 year terms. The fund is administered by Irby Capital and backed by the homes it finances.
Frequently Asked Questions
Common questions about the Jubilee Opportunity Fund.
What is the Jubilee Opportunity Fund?
The Jubilee Opportunity 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 Opportunity 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 Opportunity 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 Opportunity Fund is $50,000. There is no maximum.
Have questions? Contact us directly at 251-313-EARN or email invest@irbycapital.com.
Important Disclosures: This page does not constitute an offer to sell or a solicitation of an offer to buy any security. An offer can only be made by means of the Fund's Private Placement Memorandum and related subscription documents. Investment in Jubilee Opportunity Fund LLC involves risk, including the potential loss of principal. The Notes bear fixed interest rates as specified in each investor's individual Promissory Note; however, the Fund's ability to make interest payments and return principal depends on the performance of the Fund's underlying real estate investments. There is no guarantee that the Fund will be able to meet its payment obligations. The Notes are illiquid and there is no public market for them. Any illustrative scenarios showing potential earnings are based on the assumption that all payments are made as scheduled. Past performance is not indicative of future results. This offering is made pursuant to Rule 506(c) of Regulation D and is available only to verified accredited investors. Neither the SEC nor any state securities regulator has approved or disapproved these securities or passed upon the accuracy of any information provided. Prospective investors should consult with their own legal, tax, and financial advisors before making any investment decision. The Fund is administered by Irby Ventures LLC (d/b/a Irby Capital LLC). Construction is managed by BPCH Builders LLC (d/b/a Blueprint Community Homes). These are separate legal entities under common ownership. Not FDIC insured. No bank guarantee.