July 2025

The Ultimate Guide to Rental Property Financing: Options, Requirements & Smart Strategies

If you’re serious about growing a rental portfolio, mastering rental property financing isn’t optional—it’s essential. Whether you’re buying your first duplex or expanding a 20-door empire, the right funding strategy can mean the difference between scaling fast and staying stuck. The truth is, loans for rental property aren’t one-size-fits-all. There are countless ways to structure financing—traditional loans, […]

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Florida’s Booming Market: Your Guide to Development Financing in the Sunshine State

What do developers see in Florida that makes it one of the most active property development regions in the U.S.? The answer isn’t just sunshine and coastline. Florida’s strong population growth, business-friendly environment, and consistent demand for residential and commercial space have pushed property development activity to new highs. According to U.S. Census data, Florida had the

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First-Time Investor? Here’s How to Finance Your First Property Like a Pro

So, you’re ready to dive into the exciting world of real estate investing. Congratulations! Whether your goal is to build long-term wealth, earn passive income, or flip properties for profit, purchasing your first investment property is a huge milestone. However, for first-time investors, navigating the maze of financing options can be intimidating. This is where

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Your Ultimate Guide to Real Estate Development Loans in Texas

Have your site plans ready and team in place—but still can’t move forward on your real estate project? You’re not alone. Even in a development-friendly state like Texas, finding the right financial backing can be more challenging than managing construction timelines or design approvals. With property values surging across major markets and rural areas alike,

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Investment Property Loans: What You Need to Qualify and Secure the Best Rates

Investing in real estate is one of the most time-tested ways to build long-term wealth. Whether you’re eyeing your first rental property or expanding an existing portfolio, investment property loans are essential tools to fuel your real estate ambitions. However, qualifying for these loans—and securing the best possible rates—requires a deep understanding of investment property loan

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Real Estate Investment: How DSCR Loans Enable Growth in the Commercial Property Market

The commercial real estate game is evolving—and fast. Gone are the days when traditional bank loans were the only route to scaling your portfolio. Today, savvy investors are embracing alternative financing tools that offer flexibility, speed, and better alignment with rental income goals. One of the hottest tools in the playbook? DSCR loans. These babies

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The Ultimate Guide to Investment Property Financing in Texas, New York, and Florida

For real estate investors, understanding how investment property financing across the states works is crucial for long-term success. While some investors limit themselves to one region, the most profitable opportunities often lie across state lines—especially in real estate hotbeds like Texas, New York, and Florida. These states each have unique market dynamics, regulations, and investment property

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Exploring the DSCR Loan Process: From Application to Funding

Getting a commercial rental property off the ground takes hustle—and the right kind of financing. For real estate investors who want to scale smarter without the headache of traditional bank red tape, DSCR loans are the answer. Unlike conventional loans, these aren’t tied to your personal income or tax returns. Instead, they rely on your property’s

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Why Portfolio Financing Is Becoming Standard for Repeat SFR Buyers

Is managing multiple single-family rental mortgages starting to feel like a full-time job? If you’re scaling your rental property investments, you’re not alone. This is exactly where portfolio financing is gaining traction. Investors who own several single-family rental homes—or plan to acquire more—are increasingly turning to portfolio financing to consolidate their loans under a single structure. At Insula Capital

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Common Risks and Pitfalls of Hard Money Lending to Avoid

Hard money lending has become a popular alternative to traditional financing for both borrowers and private investors, especially in real estate. With faster approvals, fewer requirements, and asset-based collateral, it offers attractive benefits. However, it also comes with significant risks that can be costly if not carefully managed. Whether you’re an investor or a borrower,

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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.