Patrick Rigney

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Commercial Loan Rates by State: California, Florida, Texas, and New York Compared

When you’re planning a major real estate investment, one of the first things you’ll want to understand is how commercial loan rates vary from state to state. Even small changes in rates or loan terms can significantly affect long-term profitability, so knowing what to expect in different markets is critical. In this post, we’re breaking down […]

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The Complete Guide to Commercial Real Estate Loans: Rates, Requirements, and Options

For many businesses and investors, commercial real estate is one of the most reliable ways to build wealth and expand operations. But to unlock those opportunities, you need access to the right financing. Navigating the world of commercial real estate loans can feel overwhelming at first—different lenders, varying loan terms, and state-specific trends all play a

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Unlocking Passive Income with DSCR Loans for Single-Family and Portfolio Rentals

Building a steady stream of passive income through rental properties is a smart way to grow wealth, especially in high-demand markets like Florida. Debt Service Coverage Ratio (DSCR) loans make this easier by focusing on a property’s cash flow instead of your personal income, and bridge loans for real estate can help you act fast to secure

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Secrets to Flipping Distressed Properties with Lightning-Fast Funding in Competitive Markets

Flipping distressed properties using fast bridge loans can be a profitable way to build wealth in real estate, especially in competitive markets like California. You can buy low, renovate, and sell high, but success hinges on speed, strategy, and securing the right financing. This guide shares detailed, practical strategies to help you find undervalued properties, act

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Private Credit vs. Banks – Competing Models in Multifamily Bridge Financing

The multifamily sector is navigating one of its most complex financing environments in decades. Rising interest rates, stricter regulations, and declining risk tolerance among banks are reshaping how owners and sponsors refinance properties. Traditionally, commercial bridge loans for multifamily have been provided by regional and national banks, offering stability but often with rigid structures. Now, private

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Person reviewing financial data with a laptop and calculator, analyzing debt maturities and refinancing strategies

Debt Maturities and Distressed Assets: The Role of Multifamily Bridge Loans in 2025 Workouts

The multifamily sector is entering a critical juncture. Between 2024 and 2026, an estimated $940 billion in commercial real estate loans are set to mature, with multifamily assets accounting for nearly 30% of that total (Moody’s Analytics, 2024). Rising interest rates, tighter credit conditions, and compressed operating margins have created refinancing gaps for borrowers who once relied on

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Multifamily Bridge Financing in Transition – Market Volatility, Rate Shifts, and Institutional Moves

The multifamily sector, once defined by stable financing and predictable underwriting, is undergoing a profound transformation. Rising interest rates, capital markets volatility, and regulatory scrutiny have altered access to liquidity across the United States. As traditional lenders scale back, demand for multifamily bridge loans is expanding, supported by new entrants in private credit and institutional funds.

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The Fix and Flip Playbook: From Purchase to Profit Across America

Across the United States, real estate investors are turning distressed homes into profitable, high-demand listings. With limited housing supply, rising home values, and strong buyer competition, the fix and flip model has become one of the most reliable strategies for generating short-term profits and building long-term portfolios. But successful flipping is about more than buying low and

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Rust Belt Revivals: Fix and Flip Opportunities in Ohio, Pennsylvania, and Michigan

The Rust Belt has always been a region defined by grit, resilience, and the ability to rebuild after major economic shifts. From Cleveland’s industrial backbone to the storied neighborhoods of Pittsburgh and Detroit, these cities are experiencing a quiet but powerful resurgence. Real estate investors are noticing the momentum, and one strategy is proving especially

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Coastal Edge: Why Fix and Flip Investors Are Flocking to Virginia, North Carolina, and South Carolina

The Southeast coastline has become one of the most active real estate corridors in the country, attracting investors who recognize the region’s unique mix of affordability, tourism, job growth, and long-term development potential. From the historic neighborhoods of Virginia to the booming metros of North Carolina and the fast-growing coastal communities of South Carolina, fix

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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.