July 2025

Top Reasons Why DSCR Loans Are Perfect for Commercial Real Estate Investors

Commercial real estate isn’t for the faint of heart—it’s high stakes, high reward, and packed with variables that can either build legacies or burn capital. In a world where traditional lending often feels like a fortress guarded by red tape, DSCR loans (Debt Service Coverage Ratio loans) have quietly become the MVPs for savvy commercial investors. […]

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A loan agreement document

How to Qualify for SFR Financing Without Tax Returns or W-2s

What if we told you that owning or expanding your single family rental portfolio doesn’t require traditional income documentation like W-2s or tax returns? In today’s lending environment, this isn’t wishful thinking—it’s a growing reality, especially for self-employed real estate investors and business owners. Roughly 17 million Americans are self-employed, according to the U.S. Bureau of

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How to Use Hard Money Loans to Finance Commercial Properties

Financing commercial real estate can be a complex process, especially for investors who need fast funding or don’t qualify for traditional loans. In such cases, hard money loans for commercial properties offer a practical and flexible solution. This blog explores how these loans work, their advantages, and how investors in states like Nebraska and New Hampshire can benefit

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a house with a lawn and a palm tree

Before You Refinance, Read This: What Interest Rate Drops Mean for Your Equity

In Florida, where real estate remains one of the most valuable assets, homeowners are always on the lookout for financial opportunities tied to their property. Whether you’re in the suburbs, along the coast, or holding onto a family home, understanding how interest rates impact your mortgage and home equity is key to building long-term wealth.

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Construction site

Why Every Smart Investor Should Understand Construction Financing

If you are serious about real estate investing, there is one area you cannot afford to overlook: construction financing. Whether you are flipping homes, building from scratch, or adding to a rental portfolio, understanding how construction loans work gives you a major edge. The truth is, many investors miss out on bigger opportunities simply because

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The Role of Hard Money Loans in Fix-and-Flip Projects

Real estate investors aiming to turn quick profits through property flipping often need fast, flexible financing. Traditional mortgage routes can be slow and rigid, which is why hard money loans for fix and flip projects have become a preferred choice in markets like Phoenix and Philadelphia. These loans offer a lifeline to investors needing immediate capital, allowing

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Why More Investors Are Locking In Fixed-Rate SFR Loans in 2025

What if your growing rental portfolio suddenly became unaffordable to manage—just because interest rates jumped by 1% overnight? That’s the uncomfortable scenario many real estate investors faced over the past two years. Since 2022, the Federal Reserve’s rate hikes have sent shockwaves through borrowing costs, forcing many landlords to reassess their strategies. And while some are still

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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.