Patrick Rigney

A person handing a contract to another person

Scaling Your Real Estate Portfolio with Hard Money Loans: A Step-by-Step Guide

Expanding a real estate portfolio requires capital, and for many investors, traditional bank loans may not be the best option. Hard money loans provide a faster and more flexible way to secure financing, making them an attractive choice for real estate investors looking to scale quickly. This guide breaks down the process of leveraging hard money […]

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Money next to a miniature house

Smart Strategies for Managing Real Estate Loan Repayments

Managing a real estate loan isn’t just about securing funding—it’s about making smart financial moves throughout the life of the loan. Whether you’re a seasoned investor or just getting started, effectively handling repayment schedules, interest costs, and cash flow can make or break your success. This is especially true in active investment markets like Florida, where

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Woman lounging on her beige sofa

How to Choose the Right Hard Money Lender: Key Factors to Consider

When it comes to real estate investments, securing financing quickly can be a game-changer. Traditional bank loans often take too long and require extensive documentation, making them less ideal for time-sensitive projects. This is where hard money loans come into play. Hard money lenders in Miami, Denver, Cleveland, and beyond provide fast, asset-based financing, making them

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Money lender using a calculator

How New Construction Loans Can Help You Build Faster

In real estate investing and development, time is money. Whether you’re building a custom home, spec property, or multi-unit investment, delays in construction can quickly erode profits. That’s why savvy builders and investors are turning to new construction loans—a financing solution designed to speed up the building process without compromising quality or control. In high-demand

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A rolled wad of dollar bills

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

Investing in real estate requires capital, and choosing the right financing option can significantly impact your success. Two of the most common financing methods are hard money loans and traditional loans. Understanding their differences, advantages, and drawbacks will help you determine which suits your investment goals best. In this guide, we’ll break down both options

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Real estate investor reviewing hard money loan documents

Beyond the Banks: How Hard Money Lenders Are Reshaping Real Estate Financing

Speed and flexibility are the keys to success in real estate deals. Traditional bank loans, while reliable, come with lengthy approval processes, strict credit requirements, and rigid terms that can make them impractical for investors who need quick funding. Enter hard money lenders—an alternative financing solution that is reshaping real estate investing by offering fast,

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A Beginner’s Guide to Hard Money Loan Terms: Rates, Fees, and LTV Explained

Real estate investing can be highly profitable, but securing financing is often a major challenge for new investors. Traditional bank loans are typically slow and rigid, prompting many investors to seek quicker, more flexible solutions, which is where hard money loans come in. Unlike conventional financing, hard money loans prioritize the value of the property itself

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Money lender in his office

How to Get the Best Interest Rates on Private Real Estate Loans

Securing funding is one of the most critical parts of real estate investing. For many investors, especially those working on time-sensitive projects or seeking flexibility, private real estate loans are a preferred option. However, these loans often come with varying interest rates—and if you’re not careful, you could end up paying significantly more over the life

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New Construction Loans Explained: Building Your Investment from the Ground Up

If you’ve ever dreamed of building a property from scratch—whether for personal use or investment—new construction loans can turn that vision into reality. Unlike traditional mortgages, these loans are designed specifically to finance the construction process, covering everything from purchasing land to materials and labor. Plus, understanding bridge loans for real estate can help you navigate financing

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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.