Irby Capital is a private real estate investment firm with roots on the Alabama Gulf Coast in the United States. Its core offerings include Private Lending and the Jubilee Opportunity Fund. It is not a payment or acquiring service provider; rather, it offers private real estate fixed-income products for accredited investors as defined by the SEC, with capital primarily deployed into new home construction in Mobile, Alabama.
The Jubilee Fund uses a pooled-capital model, spreading investments across multiple new home construction projects. Investors choose the investment amount, term, and distribution frequency, receive fixed interest monthly or quarterly, and get their principal back at maturity. Private Lending is more focused on short-term, single-project construction loans with 6-12 month terms, offering investors returns of 8%-10%. Funding methods include wire transfer and self-directed IRA/401(k). Private Lending interest can be paid via ACH or check.
The minimum investment is $50,000. The Jubilee Fund is tiered by amount and term: $50,000-$199,999 earns 10%-12%, $200,000-$499,999 earns 11%-13%, and $500,000+ earns 12%-14%, with terms of 1-3 years. The website states that it does not charge investors management fees, subscription fees, or performance fees, and that returns are net returns. However, its revenue comes from project construction and sales by its affiliated builder, Blueprint Community Homes.
The product is labeled as a Reg D Rule 506(c) offering, available only to verified accredited investors, and it discloses the risk of principal loss. On risk controls, Private Lending claims to use first-lien deeds of trust and 65%-75% LTV. The fund seeks to diversify risk across multiple construction projects, with underwriting based on collateralized real estate, local comparable transactions, and cost budgets. Founder Jared Irby claims more than 20 years of real estate experience, involvement in 2,500+ transactions, and co-investment alongside investors.
The positives are relatively straightforward disclosures on yield, term, minimum investment, and fees, along with clear underlying assets. It may suit U.S. accredited investors who want real-estate-backed cash flow and can tolerate a lock-up period. The drawbacks are heavy geographic concentration, weak liquidity, no early exit option, and the lack of stronger third-party evidence on the website, such as audits, custody arrangements, or historical repayment details.
Access from mainland China is not disclosed, so it should be considered unknown. The product is primarily governed by U.S. securities regulations. Chinese investors who are not U.S. accredited investors and cannot complete the required compliance verification will likely face a high barrier to participation. Comparable alternatives include Fundrise, RealtyMogul, Yieldstreet, and CrowdStreet, among other real estate alternative investment platforms.
β This review is compiled from public sources and does not constitute a purchase recommendation. Verify all facts on the vendor's official site. Verify on irbycapital.com official site.
irbycapital.com is an United States Payments provider. TG4G tracks its product information, with monthly pricing from $50,000.00, an overall rating of 5.0/10, and a China-accessibility score of Unknown. Click "Visit Official Site" to reach irbycapital.com directly.