Patrick Rigney

4 black and 1 pink model houses can be seen with a key, money, and a calculator

Hard Money vs Traditional Loans: Which Is Right for Your Real Estate Investment Strategy

When it comes to securing the right financing solution, real estate investors often find themselves stuck between hard money and traditional loans. These are the two most popular loan types among investors, catering to different needs and investments. The type of loan you choose will have a direct impact on the speed, flexibility, and profitability of your […]

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Multifamily Bridge Loans and the Art of the Exit Strategy: Planning from Day One

Bridge loans are the caffeine shot of multifamily real estate. They move fast, close faster, and help you grab opportunities before the other guy can even sharpen his pencil. But here’s the kicker: if you don’t plan your way out, that quick shot of adrenaline can turn into a headache. That’s why nailing your exit

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Beyond Renovations: Unexpected Uses for Multifamily Bridge Loans

When most people hear “bridge loan” in multifamily real estate, they immediately think about renovation budgets. And sure, that’s a big one—but it’s not the whole story. There are far more uses for multifamily bridge loans than just upgrading kitchens or installing new HVAC systems. These flexible, short-term tools are lifesavers in complex, time-sensitive situations.

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Bridge Loan Timing Secrets: Why the First 90 Days Can Make or Break Your Multifamily Deal

When it comes to closing on a multifamily property using short-term capital, most investors breathe a sigh of relief once the ink dries. But hold that exhale! The real pressure kicks in right after closing. In fact, the first 90 days are absolutely critical. If you get this window wrong, your deal could veer off

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Rental Property Loans by State: What Investors Need to Know in NY, CA, FL & TX

Not all rental markets are created equal—and neither are the financing rules that go with them. If you’re investing in New York, California, Florida, or Texas, understanding the rental property loan requirements and lending climate in each state can make or break your deal. From lender preferences and approval timelines to property types and local risks,

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A large house put up for rent.

Hard Money Loans for Rental Properties: Fast Funding When You Need It Most

Timing is everything in real estate. Opportunities disappear in hours, not days. That’s why when you find the right rental property—especially one that needs work or isn’t bank-financeable—you need capital, fast. This is where hard money loans for rental properties become a game-changer. Unlike traditional financing, hard money rental loans are built for speed and flexibility. You’re

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What You Need to Know About Property Development Loans in New York

Is it even possible to get a property development project off the ground in New York without running into a wall of red tape and financial hurdles? If you’ve asked yourself that recently, you’re not alone. Between sky-high land costs, complex zoning laws, and drawn-out permitting processes, building anything in New York is no small task.

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The Ultimate Guide to Rental Property Financing: Options, Requirements & Smart Strategies

If you’re serious about growing a rental portfolio, mastering rental property financing isn’t optional—it’s essential. Whether you’re buying your first duplex or expanding a 20-door empire, the right funding strategy can mean the difference between scaling fast and staying stuck. The truth is, loans for rental property aren’t one-size-fits-all. There are countless ways to structure financing—traditional loans,

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Florida’s Booming Market: Your Guide to Development Financing in the Sunshine State

What do developers see in Florida that makes it one of the most active property development regions in the U.S.? The answer isn’t just sunshine and coastline. Florida’s strong population growth, business-friendly environment, and consistent demand for residential and commercial space have pushed property development activity to new highs. According to U.S. Census data, Florida had the

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First-Time Investor? Here’s How to Finance Your First Property Like a Pro

So, you’re ready to dive into the exciting world of real estate investing. Congratulations! Whether your goal is to build long-term wealth, earn passive income, or flip properties for profit, purchasing your first investment property is a huge milestone. However, for first-time investors, navigating the maze of financing options can be intimidating. This is where

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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.