Patrick Rigney

House after renovation

How to Secure Fix and Flip Loans in Alabama’s Growing Property Market

Flipping a home can be one of the most profitable strategies in real estate if it’s done right. In a market like Alabama, where property prices are still relatively accessible, and neighborhoods are quickly changing, more investors are jumping into the fix and flip space. However, success often depends on one key factor: financing. If […]

How to Secure Fix and Flip Loans in Alabama’s Growing Property Market Read More »

Close-up of a one-hundred-dollar bill

Why DSCR Loans Are a Game-Changer for New York Real Estate Investors

New York’s real estate market is known for its fast pace and high demand. Investors are always searching for reliable financing options that match the market’s complexity. For those focused on income-producing rental properties, DSCR loans in New York have become a popular choice. These loans focus on property income rather than personal income, offering flexibility

Why DSCR Loans Are a Game-Changer for New York Real Estate Investors Read More »

Calculator, stack of cash, and pen on a desk

How Understanding DSCR Loan Requirements Can Unlock Florida’s Real Estate Market

Real estate investors in Florida often face a familiar hurdle: traditional loan approvals based on personal income or tax returns. But DSCR loans (Debt Service Coverage Ratio loans) offer a different path. Instead of focusing on your income, these loans assess your property’s cash flow. That makes understanding DSCR loan requirements in Florida not just helpful, but

How Understanding DSCR Loan Requirements Can Unlock Florida’s Real Estate Market Read More »

Businessman holding a miniature house model over charts and money

Why DSCR Rental Loans Are Essential for Real Estate Investors in California

California’s real estate market is competitive, fast-moving, and one of the most expensive in North America. With high home prices, rising interest rates, and growing demand for rentals, real estate investors need flexible financing options to succeed. That’s where DSCR rental loans in California come into the picture. Debt Service Coverage Ratio (DSCR) rental loans are designed

Why DSCR Rental Loans Are Essential for Real Estate Investors in California Read More »

Woman lounging on her beige sofa

Commercial Loan vs. Residential Loan: What’s the Difference?

When it comes to financing property, understanding the distinction between commercial loans and residential loans is essential. Whether you are an investor, a business owner, or a homeowner, knowing the differences can help you make informed decisions, secure better terms, and meet eligibility criteria. This article breaks down the key differences between commercial loans and

Commercial Loan vs. Residential Loan: What’s the Difference? Read More »

A woman browsing commercial property listings

Is Now the Right Time to Invest in Commercial Property?

Investing in commercial property has long been a solid strategy for building wealth and generating consistent income. But with global markets shifting and economic uncertainty lingering, many potential investors are asking: Is now the right time to invest in commercial property? The answer depends on several key factors, including loan rates, market trends, and eligibility

Is Now the Right Time to Invest in Commercial Property? Read More »

A miniature home next to wooden blocks with stacks of coins

Closing the Funding Gap for New Home Builders with Private Lending

Building new homes is incredibly rewarding, but securing reliable funding can quickly become one of the biggest challenges. With constantly fluctuating material costs, unexpected project delays, and the strict requirements of traditional bank loans, many builders find their projects stalled before they even pour the foundation. That’s where private lending for home builders makes a difference.

Closing the Funding Gap for New Home Builders with Private Lending Read More »

Distressed woman holding her head with both hands

Top Mistakes to Avoid When Applying for a Commercial Loan

Securing a commercial loan is a vital step for many businesses looking to expand, purchase property, or manage cash flow. However, many applicants make costly errors during the loan process that can delay approval or even result in rejection. Understanding what to avoid can significantly improve your chances of success. 1. Ignoring Your Credit Profile

Top Mistakes to Avoid When Applying for a Commercial Loan Read More »

A bird’s eye view of a residential area with several houses

Construction Loans for Infill Projects: What Urban Investors Should Know

In the heart of America’s cities, infill construction is transforming forgotten lots into profitable, livable spaces. But as attractive as these urban projects are, they can come with a major challenge—financing. That’s where construction loans for infill projects come into play. Whether you’re redeveloping a vacant parcel in downtown Columbia, SC or building ground-up in Fort Collins,

Construction Loans for Infill Projects: What Urban Investors Should Know Read More »

A paper cutout of a house next to stacks of coins

Understanding Points, Interest, and Term Structures in Private Money Lending

f you’re exploring private money lending terms, you’re likely ready to dive into the fast-moving world of real estate investing. But before you close your next deal, let’s talk about something that doesn’t always get the spotlight—how much borrowing really costs. Whether you’re partnering with private lenders for real estate or working with hard money lenders,

Understanding Points, Interest, and Term Structures in Private Money Lending 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.