In a cast iron pot or stainless steel pot, melt two tablespoons of butter over medium heat.
Add onion and sauté until soft.
Add red pepper, jalapeño pepper and garlic and cook for another minute.
Add flour and black pepper and stir to coat the vegetables.
Slowly add the milk, stirring constantly to avoid lumps. Heat and stir until thickened. Reduce heat
Stir in sour cream and cheese.
Stir in ham, peas and rice.
Transfer mixture to casserole, if using.
Smooth out top and sprinkle with breadcrumbs.
Bake for 30 minutes at 400°F or until bubbly and golden brown.
Let stand for five minutes before serving.