Patrick Rigney

a realtor placing a sold sign over a home for sale sign placed on grass

Need to Close in 10 Days? Multifamily Deals Don’t Wait for Banks

Speed matters when competing for real estate opportunities, especially in the multifamily sector. Traditional financing methods often can’t keep up with tight deadlines or aggressive competition. In fast-moving markets, securing funding quickly can be the deciding factor between winning a deal or missing out entirely. A multifamily bridge loan provides the flexibility and speed investors need […]

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A home located near a wildfire-prone area

Climate-Proof Investments: Financing Rentals in Flood & Fire Zones with Hard Money

In the world of real estate investing, location is everything, but what if that “prime” location is also a climate risk zone? Coastal properties in Florida face flood threats. Homes near California’s forests live under the shadow of wildfires. These areas promise high returns, but they also come with high risk. So how do savvy

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Algorithmic Lending for Rentals: How AI Is Reshaping Loan Eligibility in 2025

The real estate lending landscape is changing—and fast. What used to require paperwork, in-person assessments, and weeks of underwriting is now handled by intelligent systems that make decisions in minutes. In 2025, rental property loan eligibility no longer depends solely on your credit score or W-2 income. Instead, the most forward-thinking lenders, especially private and hard money

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Investor reviewing real estate documents with a calculator

The Debt-Light Investor: Hybrid Strategies for Rental Portfolios Without Over-Leveraging

In 2025, savvy investors are rethinking the role of debt. With recent Fed policy shifts tightening lending conditions, overly leveraged portfolios are increasingly risky. Yet, relying solely on cash reserves limits growth. The sweet spot? A hybrid approach that combines rental property loan options with partial self-funding. This strategy reduces your interest burden and increases your control,

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Understanding Debt Service Coverage Ratio (DSCR) for Single-Family Rental Loans: Why It’s Key for Your Investment Strategy

Investing in single-family rental properties can be a lucrative way to build wealth and generate steady income. However, securing the right financing is essential to ensure the viability and profitability of such investments. One of the most critical financial metrics that lenders scrutinize during the loan approval process is the Debt Service Coverage Ratio (DSCR). This ratio

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This image shows a photo of a house during the day

One Roof, One Renter, One Loan: Building Wealth with Just One SFR Property

For many aspiring real estate investors, the idea of building wealth often comes with visions of owning multiple properties, managing a large portfolio, and spending years saving for the next big purchase. But here’s the truth: you don’t need ten doors to start creating lasting financial security. With just one SFR property—a single-family rental—you can set

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This image shows a lender discussing a rental loan

How to Use Single-Family Rental Loans for Property Flipping: Maximizing Profit in a Competitive Market

Flipping houses has long been seen as an exciting way to generate quick profits in real estate. However, one of the biggest challenges investors face is securing the right financing to purchase, renovate, and resell properties efficiently. Single-family rental loans for property flipping are increasingly being recognized as a flexible solution for this challenge. These loans allow

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How Private Money Lenders Help Investors Build Faster and Smarter

In today’s hot real estate market, investors don’t just want speed, but need it. With rising material costs, tighter timelines, and fierce competition for prime lots, new construction isn’t just about pouring concrete anymore. It’s a race to build smart, stay ahead, and actually profit. Enter: private money lenders. These financial partners are rewriting the rules of

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a house shaped figurine placed on a bunch of documents

Everything You Need to Know About Hard Money Loans in Massachusetts

In the ever-evolving Massachusetts real estate market—spanning the dense streets of Boston to the quiet rural stretches of the Berkshires—hard money loans in Massachusetts have emerged as a powerful tool for both new and seasoned investors. Whether you’re flipping a colonial home in Worcester or developing multifamily units in Cambridge, hard money lenders offer faster financing with

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Everything Real Estate Investors Need to Know in 2025

The real estate game in 2025 is fast-paced, competitive, and full of potential—if you know how to move quickly and strategically. And that’s exactly where hard money lending comes into play. Whether you’re a seasoned investor flipping your tenth house or a first-timer diving into your first renovation project, understanding how hard money loans work can give

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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.