Patrick Rigney

Woman in a button-down calculating her finances

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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A person handing over a loan agreement

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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laptop displaying financial data

Cash-Out Refinance vs. HELOC: Which Option Fits Your Financial Goals?

In a city like New York, where owning property is not just a milestone but a major financial accomplishment, understanding how to leverage the value of your house can open several financial opportunities. Whether you’re based in Brooklyn, Queens, or Westchester, the equity your property has built is more than just locked-in value; it’s an

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Real estate investors reviewing documents and discussing plans for build-to-rent developments

The New Wave of Build-to-Rent: Private Money Lending Opportunities in Horizontal Multifamily

In recent years, the real estate market has seen a paradigm shift. Traditionally, build-to-rent (BTR) communities were dominated by large institutional investors. However, in 2025, small-to-mid-sized investors are gaining ground, particularly in suburban areas where demand for rental properties is booming. With the shift towards single-family rental communities, also known as horizontal multifamily, private money

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Real estate investors in a conference room discussing investment strategies for manufactured housing

Inside the Investor Surge: Why Private Lending is Fueling America’s Manufactured Housing Revival

As demand for affordable housing continues to outpace supply, manufactured homes are gaining attention as a viable solution. With property prices soaring and construction costs rising, small investors are increasingly looking to manufactured housing as a way to generate reliable income at a lower initial investment. In areas like Texas, Alabama, and Arizona, the ability

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Laptop and calculator on a desk used for analyzing risk-adjusted real estate loans

Lending on the Edge: How Private Money is Powering Wildfire and Climate-Resilient Real Estate Projects

From California’s wildfire zones to Florida’s hurricane paths and Colorado’s flood-prone valleys, climate risk is becoming a central factor in real estate investment. As weather patterns grow more extreme and insurers tighten coverage, developers and investors are adjusting their strategies—and their capital sources. In 2025, private money is playing a crucial role in financing resilient

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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.