Patrick Rigney

Close-up of an agent pointing at mortgage rates on a document.

Navigating Interest Rates for Single-Family Rental Mortgages: What Investors Should Know

Interest rates play a critical role in shaping the financial viability of single-family investment loans. Whether you’re purchasing your first single-family rental property loan or expanding your portfolio financing, knowing how interest rates work can help you make smarter investment decisions. In this guide, we’ll explore factors that influence mortgage rates, how to lock in the […]

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The Role of Debt-to-Income Ratio in Single-Family Rental Loans

When applying for single-family rental loans, lenders assess various financial metrics to determine eligibility. One of the most critical factors is the debt-to-income ratio (DTI). Whether you are a first-time investor or an experienced landlord, understanding how DTI impacts loan approvals can help you secure favorable financing terms. This guide explores the role of DTI

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Woman holding a small wooden house.

Creative Financing for Single-Family Rentals: Alternative Lending Solutions

Traditional bank loans are not the only way to finance single-family rental properties. Investors looking for flexibility and fast approvals are turning to creative financing for single-family rentals. Whether you are new to real estate or expanding your rental portfolio, alternative lending options provide diverse solutions to suit your financial needs. This article explores various

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A modern high-rise building.

How to Build a Winning Application for Your Commercial Real Estate Loan

Securing a commercial real estate loan is an essential step for many investors, developers, and business owners looking to acquire or refinance commercial properties. Whether you’re applying to purchase office space, retail buildings, or multifamily units, crafting a strong application can significantly increase your chances of success. A solid commercial real estate loan application can demonstrate your

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The Advantages of Private Money Loans in Florida’s Real Estate Market

Florida’s real estate market is one of the hottest in the country. In January 2025, home prices in Florida were up 1.4% compared to the previous year, and the demand for investment properties continues to rise. With this level of competition, traditional financing methods often fall short, leaving investors looking for faster and more flexible

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Unlocking Real Estate Opportunities with Private Money Lenders in Alabama

Alabama’s real estate market is thriving. Home values in the state have increased by around 6.1% in January 2025 as compared to the past year. However, for many real estate investors, securing funding through traditional banks can be a long and frustrating process. Private money lenders offer flexible financing solutions that allow investors to move quickly. They

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Top 8 Myths About Private Money Lending in Virginia (And the Truth Behind Them)

Private money lending is a popular financing option for real estate investors in Virginia. However, misinformation often prevents people from taking full advantage of these loans. Some believe private loans are only for those with bad credit, while others assume they come with sky-high interest rates. The reality is that private money lenders in Virginia offer

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Bridge loans facilitating residential property upgrades

Bridging the Gap: How Bridge Loans Enable Seamless Residential Property Upgrades

For homeowners looking to transition to their dream homes, the gap between selling an existing property and purchasing a new one can present significant financial and logistical challenges. This is where bridge loans for residential property upgrades come into play, offering a flexible and effective solution. These loans provide homeowners with the liquidity needed to navigate

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Investor reviews blueprints, symbolizing fast approvals and dynamic hard money lending.

The Ultimate Guide to Hard Money Lending: Accelerate Your Real Estate Investments

If you’re like most people, you understand that navigating the world of real estate investments can sometimes feel like a race against time. Traditional bank loans can take weeks—or even months—to secure, leaving you wondering if you’ll ever catch that golden opportunity. That’s where hard money lending comes in, offering a faster, more flexible solution

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How to Get Approved for a Fix and Flip Loan: A Step-by-Step Guide

Fix and flip investments can be highly profitable, but securing financing is often one of the biggest challenges investors face. A fix and flip loan is designed specifically for purchasing, renovating, and reselling properties quickly. However, getting approved requires a strong understanding of lender expectations, financial qualifications, and property assessments. This guide will walk you through

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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.