Accredited investors only / Private offering under Reg D, Rule 506(c)
(602) 833-2127
/
info@athbincomefund.com
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Andrew The Home Buyer Income Fund

Monthly income, secured by residential real estate.

A private credit fund making short-term loans backed by first-position liens on homes in high-demand Arizona markets — built on a decade of disciplined lending.

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See how it works

● Target 9–10% net annual return · Distributions paid monthly · $25K minimum

First-lien
secured by real property
$100M+
Funded to date
500+
Deals funded
10+
Years lending
9–10%
Target net return
65–75%
Target LTV
85%
Net earnings to investors
Why the Fund

A disciplined approach to real estate–secured income.

The Fund originates and holds short-term (1–3 year) loans secured by residential property across high-demand markets, primarily greater Phoenix — where our team has built relationships and underwriting expertise over more than 15 years.

Secured by hard assets

Loans are primarily backed by first-position liens on real property — a tangible layer of capital security at the core of the strategy.

Monthly income

Distributable cash is paid to investors monthly, with a target net return of 9–10% and 85% of net earnings allocated to investors.

Proven operators

Led by a team that has funded 500+ deals and acquired and resold 5,000+ homes across multiple market cycles.

How It Works

From your capital to monthly distributions.

1

You invest

Accredited investors fund the pool with a minimum of $25,000.

2

We underwrite

Rigorous underwriting at a target 65–75% LTV on every transaction.

3

Capital is deployed

The Fund funds short-term loans secured by first-position liens on homes.

4

You earn monthly

Net earnings are distributed to investors on the first of each month.

The Offering

Terms at a glance.

Full terms, distribution and liquidation rights are detailed in the Private Placement Memorandum.

Minimum investment
$25,000 per investor
Target net return
9–10% annually
Distributions
Monthly
Investor / manager split
85% / 15%
Early-investor bonus
1% (up to $2,500)
Minimum hold
1 year (waivable)
Maximum offering
$100,000,000
Eligibility
Accredited investors · Reg D 506(c)

MINIMUM INVESTMENT

$25K

per investor

EARLY-INVESTOR BONUS

$2,500

1% bonus, up to

MAXIMUM OFFERING

$100M

total raise

Market Context

A structural shortage of housing.

The case for residential real estate credit is grounded in supply.

“In 2025, new home construction fell short of household formations, widening the U.S. housing supply gap to an estimated 4.03 million homes.”

— Realtor.com Research

“Real estate remains very attractively priced on a relative basis… creating one of the most attractive entry points for disciplined investors in recent years.”

— Blackstone, January 2026

Leadership

The team behind the Fund.

The Manager is ATHB Fund Management LLC, an Arizona limited liability company.

James Rosebrough

CHIEF INVESTMENT OFFICER

James A. Rosebrough Jr. is the manager of the Fund, where he holds the roles of manager, loan committee chair, and lead underwriter. As a seasoned finance professional and the pioneering force behind the Fund, he is well known in the industry for his expertise in real estate secured debt placements. With a degree in finance and extensive studies in economics, James furthered his education with a master’s degree from the Institute of Business and Finance, a specialty school dedicated to the finance sector. His career began in Ohio, where he contributed to Edward Jones and Liberty Investment Services before his tenure at National City Bank. In 2009, seeking a change from Ohio’s climate, James moved to Arizona, continuing his trajectory in finance by establishing the Strategic Financial Group in 2010. This venture showcased his credentials with specialist certifications in tax, income, annuities, trust and estate planning, and funds.

The period between 2013 and 2017 was marked by diversification into home flipping and rental property management, through which he still retains ownership of four rental properties. The pivot to debt lending in 2017 was a strategic shift, motivated by the profitability and scalability it presented over traditional real estate flipping. James has funded over 500 deals totaling more than $100,000,000, with over $10,000,000 in payouts to investors over nearly a decade of operation. James is committed to professional growth, holding two securities licenses and licensed in insurance, real estate, and mortgage, each requiring ongoing continuing education to ensure his knowledge remains current and comprehensive.

Outside of his professional endeavors, James enjoys travelling, both domestically and internationally, finding relaxation in deep-sea fishing and recently taking up pickleball as a leisure activity. James A. Rosebrough Jr. exemplifies a balance between professional excellence, continuous learning, and community engagement, making significant contributions to both the finance industry and his local community.

15+ yrs real estate
2 securities licenses
RE · Mortgage · Insurance

Kyle Wyloge

PRESIDENT

Kyle Wyloge is a real estate investor and entrepreneur with nearly two decades of experience in residential real estate. As a Manager of the Fund, Kyle helps underwrite investment opportunities, source and evaluate investments, and oversee the deployment of capital.

Kyle is the founder and operator of Andrew The Home Buyer, a multi-state real estate investment company that has acquired and resold more than 5,000 homes. Kyle oversees the company’s operations across five states, managing everything from long-term strategy to day-to-day execution.

Kyle’s real estate career began in 2006. Between 2009 and 2013, Kyle was heavily involved in acquiring properties through trustee sales and foreclosure auctions. That experience gave Kyle firsthand insight into navigating high-pressure, fast-moving markets and laid the foundation for the disciplined investment approach he continues to apply today.

In addition to operating Andrew The Home Buyer, Kyle owns a licensed residential real estate brokerage in Arizona and has built his career around creating scalable, results-driven businesses. Kyle has successfully operated through multiple real estate market cycles and understands how to adapt in dynamic and evolving environments.

In 2025, Kyle launched W Capital, a hard money lending company focused on providing fast, reliable financing to real estate investors while delivering strong, consistent returns to investors. Kyle’s passion is building efficient, well-run businesses that solve meaningful problems, create long-term value, and generate attractive risk-adjusted returns.

Outside of the real estate industry, Kyle was a founding partner of Harvest Health & Recreation, an Arizona-based cannabis company that went public in 2018.

~20 yrs experience
5,000+ homes
Licensed AZ broker
Investor Questions

Frequently asked questions.

Is my investment secure?

Loans are secured by real estate, primarily through first-position liens on residential property.

We target 65–75% loan-to-value for managed risk.

We begin a foreclosure process to recover principal from sale at auction, or after auction.

The fund pays out 85% of excess distributable cash to investors (above the 80% payouts of many funds). Target is 9%-10% net to investors.
Yes, IRA, 401k, pensions and other retirement accounts are eligible. Employer sponsored 401ks are not accepted.
An investment in the fund is an illiquid investment. Members may request redemption 1year after purchase of said membership interest. Members can request withdrawal earlier but it may be subject to a penalty at the managers discretion. Membership interests are paid back once capital is available, subject to the Manager’s discretion. The usual redemption request may be paid back over four quarters. Please refer to the withdrawal policy in the PPM for more information.
Request Access

Ready to review the full offering?

Complete the form and our team will follow up with access to the Private Placement Memorandum, the SEC filing, and answers to any questions about the Fund.

Email
info@athbincomefund.com

Phone
(602) 833-2127

REG D · RULE 506(c)
ACCREDITED INVESTORS
FIRST-POSITION LIENS

Request the Offering

For accredited investors who meet SEC guidelines.

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To participate in this investment you will need to be an accredited investor that meets SEC Guidelines.

Accredited Verification Requirements

Regulation D Rule 506(c) Investor Verification Standards and Protocols

In purchasing securities through a 506(c) Offering, the Company is obligated to verify any participating investor’s status as an accredited investor in accordance with Rule 501(a) of Regulation D. Most issuers use third party verification letter from a broker-dealer, attorney, CPA, or a third party speciality services like verifyinvestor.com) to obtain proper and suitable verification. It is possible for the investor to provide bank statements and/or IRS tax forms; however, most issers do not want the responsibility of reviewing those types of records and forms.

Reliance on Determination by Specified Third Parties to Provide Verification: The Company may satisfy the verification requirement if it obtains a written confirmation from a registered broker-dealer (who the investor has had an account with longer than 6 months), an SEC-registered investment adviser, a licensed attorney, or a certified public accountant that within the prior three months such person or entity has taken reasonable steps to verify that the purchaser is an accredited investor and has determined that the purchaser is an accredited investor. Third party services, such as verifyinvestor.com (managed by an attorney) are also qualified third party providers of verifications.

Proper verification must be submitted with the subscription for securities in order for the Company to verify the investor’s suitability for investment and accept the subscription.

 
Accredited Investor Qualifications:
  • a bank, savings and loan association, insurance company, registered investment company, business development company, or small business investment company or rural business investment company
  • an SEC-registered broker-dealer, SEC- or state-registered investment adviser, or exempt reporting adviser
  • a plan established and maintained by a state, its political subdivisions, or any agency or instrumentality of a state or its political subdivisions, for the benefit of its employees, if such plan has total assets in excess of $5 million
  • an employee benefit plan (within the meaning of the Employee Retirement Income Security Act) if a bank, insurance company, or registered investment adviser makes the investment decisions, or if the plan has total assets in excess of $5 million
  • a tax exempt charitable organization, corporation, limited liability corporation, or partnership with assets in excess of $5 million
  • a director, executive officer, or general partner of the company selling the securities, or any director, executive officer, or general partner of a general partner of that company
  • an enterprise in which all the equity owners are accredited investors
  • an individual with a net worth or joint net worth with a spouse or spousal equivalent of at least $1 million, not including the value of his or her primary residence
  • an individual with income exceeding $200,000 in each of the two most recent calendar years or joint income with a spouse or spousal equivalent exceeding $300,000 for those years and a reasonable expectation of the same income level in the current year or
  • a trust with assets exceeding $5 million, not formed only to acquire the securities offered, and whose purchases are directed by a person who meets the legal standard of having sufficient knowledge and experience in financial and business matters to be capable of evaluating the merits and risks of the prospective investment
  • an entity of a type not otherwise qualifying as accredited that own investments in excess of $5 million
  • an individual holding in good standing any of the general securities representative license (Series 7), the investment adviser representative license (Series 65), or the private securities offerings representative license (Series 82)
  • a knowledgeable employee, as defined in rule 3c-5(a)(4) under the Investment Company Act, of the issuer of securities where that issuer is a 3(c)(1) or 3(c)(7) private fund or
  • a family office and its family clients if the family office has assets under management in excess of $5 million and whose prospective investments are directed by a person who has such knowledge and experience in financial and business matters that such family office is capable of evaluating the merits and risks of the prospective investment

To participate in this investment you will need to be an accreditated investor that meets SEC Guidelines.