September 2025

One person handing a home key to another

Top Signs You’re Eligible for a Cash-Out Refinance Mortgage

In 2025, many homeowners are turning to a cash-out refinance mortgage as a strategic way to access their home equity and improve their financial situation. Whether you’re looking to consolidate high-interest debt, fund a major renovation, or invest in another property, cashing out some of your equity can give you the flexibility you need—without selling your […]

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House model and blueprints under magnifying glass representing project eligibility for new construction loans

What Types of Projects Qualify for a New Construction Loan?

Securing financing for a building project isn’t as simple as walking into a bank with blueprints in hand. Lenders carefully evaluate which developments are worth funding, and not every idea makes the cut. From single-family homes to large-scale commercial complexes, only certain types of projects qualify for a new construction loan. Knowing what lenders prioritize

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New construction loan expert at office working on improving loan approval chances

How to Improve Your Approval Odds for a New Construction Loan

Securing a new construction loan can feel like a daunting process, especially for first-time builders or investors aiming to fund a residential or commercial project. Unlike traditional mortgages, construction loans are short-term financing solutions that lenders view as higher risk. Because of this, they tend to apply more stringent approval requirements. If you’re planning to build from

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Calculator with miniature house symbols and a key representing home financing options

Is Cash-Out Refinance Right for You? Know the Eligibility First

If you’re a homeowner looking to tap into your home’s equity, a cash-out refinance loan might be the ideal solution. But before you jump in, it’s important to understand one crucial detail: cash-out refinance eligibility. Not everyone qualifies, and even those who do might find varying terms based on what lenders look for. In this post, we’ll

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Real estate agent sitting at a table discussing paperwork with a client.

How Commercial Loan Brokers Help You Get the Best Rates

Getting the right financing for your commercial real estate deal isn’t easy. You want strong terms, low fees, and a rate that makes your investment worth it. That’s where commercial loan brokers step in. These professionals know the lending landscape inside and out. They match you with the right lenders and negotiate deals you couldn’t get

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Happy agent shaking hands with a young couple after a successful meeting.

Commercial Real Estate Loan Requirements: What Lenders Expect in 2025

If you’re thinking about buying a commercial property, you need to understand the loan process first. Lenders don’t make decisions lightly. They follow specific standards to approve or deny commercial real estate loans in Florida and across the country. In 2025, getting approved means meeting tighter rules. Lenders expect clean documentation, strong credit, reliable income, and

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a woman holding a clipboard with a rental property paper on it, standing next to a man by the window

Rent Roll Ready: How to Use Lease Agreements to Secure Faster Funding

When investors pursue rental property loan approval, a well-organized rent roll often becomes one of their most persuasive tools. In the fast-moving world of real estate financing, executed lease agreements, detailed payment records, and forecasted rental income are more than just paperwork—they serve as financial proof points. Lenders want evidence of cash flow, and nothing

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Best Commercial Property Loans: How to Choose the Right Option in 2025

Investing in commercial real estate can be a smart move. But finding the best commercial property loans in 2025 is key to making that investment pay off. Whether you want to grow your portfolio or finance your first property, choosing the right loan affects your cash flow, risk, and long-term return. Let’s break down the main

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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.