Patrick Rigney

Reviewing warehouse and retail property plans

Financing Warehouses, Retail Stores & Offices with a Commercial Property Loan

When it comes to expanding or upgrading your commercial real estate portfolio, understanding how to secure the right financing is critical. At Insula Capital Group, we work closely with investors to structure loans for different asset types — including warehouses, retail stores, and office spaces. A commercial property loan for warehouse or other business property comes with […]

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Filling out a commercial property loan application

Balloon Payments in Commercial Property Loans: What You Should Know

When you’re exploring financing for commercial real estate, one feature you might encounter is the balloon payment commercial property loan. At Insula Capital Group, we’ve helped countless investors navigate this repayment structure, and we know how it can shape your overall investment strategy. A balloon payment is a larger-than-usual balance due at the end of a

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Bridge Loans in a High-Interest Rate Era: Is It Still Worth It?

The real estate market is no stranger to change, and the recent shift to a high-interest rate environment has put every financing decision under a magnifying glass. For many investors, bridge loans remain an essential tool for seizing time-sensitive opportunities, funding construction projects, or bridging the gap between buying and selling property. However, with borrowing costs

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Risks vs. Rewards: Is a Fix and Flip Loan Right for You?

Navigating real estate flipping can feel exciting as the possibility of transforming a rundown property into a profitable investment is tempting. But if you’re like many investors, the big question arises: how will you fund the project? That’s where fix and flip loans come in. These short-term financing options are designed for investors who need quick capital to

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Navigating Short-Term Real Estate Financing: How Bridge Loans Fit into a Modern Investment Portfolio

In the fast-paced world of real estate investment, timing is everything. Investors often need access to quick funding to secure properties, cover gaps between transactions, or start development projects before long-term financing is in place. This is where short-term real estate financing tools like bridge loans, hard money loans, mezzanine financing, and equity partnerships come into

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Market Timing and Money: Using Fix and Flip Loans to Seize Opportunities

In real estate investing, timing is everything. The right property at the right moment can turn into a profitable success story, but miss that window, and someone else will. This is where fix and flip loans become a powerful tool. They allow investors to act quickly, secure financing, and move on hot deals without missing a

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Scaling Beyond State Lines: Building Multi-Market Portfolios with Private Capital

For many investors, the journey starts local. They buy a property in their hometown, manage it hands-on, and grow slowly from there. But the real scale — the kind of growth that builds long-term wealth — comes when investors expand across state lines. The challenge? Financing multi-market growth isn’t easy. Banks often treat each new

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Smarter Builds, Bigger Returns: How Real Estate Development Financing Drives Value in Mixed Markets

In today’s evolving real estate landscape, successful investors leverage strategic financing to extract maximum value, whether they’re building multi‑unit complexes in New York or converting suburban sites in Texas and Florida. The right development loans can transform raw potential into profitable projects efficiently and predictably. This blog explores how construction and development loans, tailored to both commercial

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Timing the Market: How Private Money Speeds Up Real Estate Deals in Competitive Cities

In real estate, timing is everything. Nowhere is that more true than in competitive urban markets like Los Angeles, Miami, and Chicago, where properties attract multiple bids within hours of hitting the market. Traditional banks often move at a pace that just doesn’t match the urgency of these deals. Lengthy approval processes, rigid underwriting, and

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The Private Capital Advantage: A Complete Guide to Real Estate Lending in Every Market

The U.S. real estate market is deeply regional, with each state offering unique opportunities and challenges. While banks remain part of the financing landscape, private capital has grown into a preferred option for investors. Whether it’s a fix-and-flip in California, a short-term rental in Florida, or a multifamily acquisition in Texas, private money lenders bring

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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.