June 2025

A picture of a brown property under the blue sky

How to Secure Development Financing in California’s Competitive Market

In April 2025, California remained one of the most expensive states for residential real estate, with the median home price reaching $855,300. While demand continues to surge, especially in urban centers and high-growth suburbs, breaking into the market is no small feat. First-time and seasoned developers alike face steep property prices, lengthy permitting processes, and fierce […]

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House being constructed

Step-by-Step Guide to Securing a Construction Loan in Florida

Building in Florida’s booming real estate market? New construction loans can turn your vision into reality, whether it’s a dream home in Miami or a condo in Tampa. These loans fund your project from groundbreaking to completion, but the process can feel daunting. At Insula Capital Group, we’ve helped countless Florida builders navigate construction loans.

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Person handing over cash, representing fast funding through private money lenders in a competitive housing market.

Bridge the Gap: Using Private Money Loans to Compete in a High-Rate, Low-Inventory Housing Market

In today’s turbulent real estate landscape, competition is fierce, interest rates are high, and inventory is limited. For many would-be investors and buyers, traditional financing is proving too slow and rigid to keep up with the demands of the current housing market. This is especially true in red-hot areas like Los Angeles, Miami, and Denver—cities

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Abstract representation of artificial intelligence in a digital brain

AI-Driven Underwriting: Revolutionizing Rental Property Loan Approvals in 2025

Securing financing for investment properties has traditionally been a complex and time-consuming process. In 2025, however, artificial intelligence (AI) is changing that landscape. By analyzing non-traditional data sets and automating underwriting decisions, AI is making rental property financing faster, more accurate, and more accessible—especially for first-time investors. Insula Capital Group is among the leading private lenders

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Top Benefits of Using Hard Money for Real Estate Investments

In the fast-moving world of real estate investing, access to quick and reliable funding is essential. Traditional financing can be a slow, document-heavy process, making it challenging for investors looking to close deals quickly. That’s where hard money lenders come in. For investors in Illinois and Indiana, using hard money for real estate investments offers several advantages that

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Hard Money vs. Traditional Loans: Which Is Right for You?

When seeking financing for real estate or business ventures, borrowers often find themselves comparing hard money vs. traditional loans. Both offer unique benefits, but choosing the right one depends on your specific needs, financial situation, and timeline. Understanding the core differences is essential for making an informed decision, especially if you’re investing in active markets

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Graphic illustration of a property design

Interest-Only, Bridge, and Draw Schedules: Choosing the Right New Construction Loan Structure

When financing a new construction project, real estate investors often face various loan options. Navigating these choices can feel overwhelming, especially for those new to the industry. However, understanding the different new construction loan structures—interest-only loans, bridge loans, and draw schedules—can help investors make informed decisions that align with their specific project goals. In this blog,

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People exchanging dollar bills

What Is Hard Money and How Does It Work?

When it comes to real estate investing, securing traditional financing can be time-consuming and full of hurdles. That’s where hard money loans come into play. These alternative financing options offer fast funding and greater flexibility, making them popular among property flippers and real estate developers in states like Alabama and Arizona. But what exactly is hard money,

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Private lender handing a real estate contract to an investor for fast funding approval

Private Lending in 2025: How State-Level Real Estate Trends Are Shaping Loan Demand

The real estate landscape in 2025 is anything but uniform. While national housing markets tell one story, the real movement is happening at the state level. Shifts in population, job growth, and housing policy have created unique microclimates across the country, particularly in states like Florida, Texas, Arizona, and North Carolina. These state-level real estate

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Ed Stock

Managing Partner/Founder

With 30 years of real estate finance and investing experience, I have come across most of what the real estate and mortgage arena has to offer. As a full time real estate investor, I am always looking for new projects in the Fix and Flip market as well as the holding of long term rentals. At Insula Capital Group, I have successfully placed many new investors on the course to aquiring and managing their own real estate portfolios.