Patrick Rigney

Hard Money vs. Traditional Loans: Which Is Right for You?

When seeking financing for real estate or business ventures, borrowers often find themselves comparing hard money vs. traditional loans. Both offer unique benefits, but choosing the right one depends on your specific needs, financial situation, and timeline. Understanding the core differences is essential for making an informed decision, especially if you’re investing in active markets […]

Hard Money vs. Traditional Loans: Which Is Right for You? Read More »

People exchanging dollar bills

What Is Hard Money and How Does It Work?

When it comes to real estate investing, securing traditional financing can be time-consuming and full of hurdles. That’s where hard money loans come into play. These alternative financing options offer fast funding and greater flexibility, making them popular among property flippers and real estate developers in states like Alabama and Arizona. But what exactly is hard money,

What Is Hard Money and How Does It Work? Read More »

Private lender handing a real estate contract to an investor for fast funding approval

Private Lending in 2025: How State-Level Real Estate Trends Are Shaping Loan Demand

The real estate landscape in 2025 is anything but uniform. While national housing markets tell one story, the real movement is happening at the state level. Shifts in population, job growth, and housing policy have created unique microclimates across the country, particularly in states like Florida, Texas, Arizona, and North Carolina. These state-level real estate

Private Lending in 2025: How State-Level Real Estate Trends Are Shaping Loan Demand Read More »

Two people looking at graphs on laptop and papers

Capitalizing on Market Cycles: How Fix and Flip Loans Enable Investors to Thrive in Any Economy

The real estate market is a dynamic landscape, constantly shifting through economic cycles that impact property values, interest rates, and investment opportunities. For real estate investors, understanding these market cycles is crucial to making informed decisions and maximizing profits. However, no matter the market conditions—whether booming or in decline—there is always an opportunity for savvy

Capitalizing on Market Cycles: How Fix and Flip Loans Enable Investors to Thrive in Any Economy Read More »

A loan agent shaking a client's hand

How to Scale a Single Family Rental Portfolio Fast Without Bank Headaches

Are traditional lenders slowing down your portfolio growth? You’re not alone. According to a 2024 report by the National Rental Home Council, individual investors own over 70% of all single-family rental homes in the U.S.—and many are actively seeking to grow. Yet despite the opportunity, seasoned investors often hit a common wall: banks. Banks demand full documentation.

How to Scale a Single Family Rental Portfolio Fast Without Bank Headaches Read More »

People at a construction site

Risk vs. Reward in Real Estate Development: The Essential Guide to Structuring New Construction Loans

Balancing risk and reward is at the core of every real estate development project. While the potential for high returns is enticing, the uncertainties of construction costs, market fluctuations, and regulatory hurdles can pose significant financial risks. The key to navigating these challenges successfully lies in structuring new construction loans wisely. For developers and investors, securing

Risk vs. Reward in Real Estate Development: The Essential Guide to Structuring New Construction Loans Read More »

Professional loan agent consulting with a client

State-by-State Breakdown: Best Single Family Rental Loan Options in California, Florida, New York & Texas

Have you ever lost a promising single-family rental deal because the financing just didn’t come through fast enough—or worse, came with terms that didn’t match your project’s scale or timeline? You’re not alone. Across California, Florida, New York, and Texas, demand for single-family rentals (SFRs) continues to surge. In fact, 44 million U.S. households are now renters—an all-time

State-by-State Breakdown: Best Single Family Rental Loan Options in California, Florida, New York & Texas Read More »

A tablet screen with text “financial freedom” written on it and some coins

The Hard Money Advantage: Why Experienced Investors Prefer Private Lending Over Traditional Banks

Real estate investors understand that securing the right financing can make or break a deal. In a fast-moving market, waiting weeks or months for traditional bank loan approvals can result in missed opportunities. That’s why many experienced investors prefer hard money loans vs. banks, leveraging the speed, flexibility, and accessibility that private lenders offer. Whether you’re

The Hard Money Advantage: Why Experienced Investors Prefer Private Lending Over Traditional Banks Read More »

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.