Patrick Rigney

Calculator with miniature house symbols and a key representing home financing options

Is Cash-Out Refinance Right for You? Know the Eligibility First

If you’re a homeowner looking to tap into your home’s equity, a cash-out refinance loan might be the ideal solution. But before you jump in, it’s important to understand one crucial detail: cash-out refinance eligibility. Not everyone qualifies, and even those who do might find varying terms based on what lenders look for. In this post, we’ll […]

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Real estate agent sitting at a table discussing paperwork with a client.

How Commercial Loan Brokers Help You Get the Best Rates

Getting the right financing for your commercial real estate deal isn’t easy. You want strong terms, low fees, and a rate that makes your investment worth it. That’s where commercial loan brokers step in. These professionals know the lending landscape inside and out. They match you with the right lenders and negotiate deals you couldn’t get

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Happy agent shaking hands with a young couple after a successful meeting.

Commercial Real Estate Loan Requirements: What Lenders Expect in 2025

If you’re thinking about buying a commercial property, you need to understand the loan process first. Lenders don’t make decisions lightly. They follow specific standards to approve or deny commercial real estate loans in Florida and across the country. In 2025, getting approved means meeting tighter rules. Lenders expect clean documentation, strong credit, reliable income, and

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Best Commercial Property Loans: How to Choose the Right Option in 2025

Investing in commercial real estate can be a smart move. But finding the best commercial property loans in 2025 is key to making that investment pay off. Whether you want to grow your portfolio or finance your first property, choosing the right loan affects your cash flow, risk, and long-term return. Let’s break down the main

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a closeup shot of a loan agreement

How to Qualify for a Bridge Loan in Today’s Market: Requirements, Tips & Pitfalls

In the fast-paced world of real estate, timing is everything. Whether you’re a homeowner navigating a new purchase before your current home sells or an investor seizing a lucrative opportunity, qualifying for a bridge loan can mean the difference between a missed opportunity and a successful deal. In today’s tightening credit markets, understanding bridge loan eligibility,

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a loan lender holding a key ring in his hand

Bridge Loans vs. Traditional Financing: Choosing the Right Option for Your Property Deal

In the landscape of real estate investing, financing plays a central role in determining the success or failure of a deal. Whether you’re flipping a residential property in California, developing a commercial site in Texas, or seizing a last-minute investment opportunity in Florida, choosing the right financial tool is crucial. This brings us to the

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a distant view of luxurious commercial real estate

Bridge Loans Demystified: What Homeowners and Investors Must Know in California, Texas & Florida

Speed, flexibility, and access to short-term capital can mean the difference between securing a lucrative property and watching it slip away. This is where bridge loans step in—and for many homeowners, real estate investors, and developers in California, Texas, and Florida, understanding how these loans work is essential. In this comprehensive guide, we offer bridge loans

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people discussing a multifamily flip

Bridge Loans for Multifamily Flips: A Smarter Way to Grow Your Portfolio in 2025

Multifamily property flips have long been a key strategy for real estate investors looking to boost rental income or generate quick equity gains. But between acquisition, renovation costs, and unpredictable market shifts, liquidity challenges can stall even the most promising deals. That’s where a multifamily bridge loan for flip projects proves to be a smarter tool, especially

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A man looking into an empty wallet while facing renovation delays

Stuck with a Half-Renovated Multifamily Property? Bridge Loans Can Keep You Moving

Renovating a multifamily property is a high-stakes venture. Whether you’re upgrading kitchens, adding new amenities, or resolving structural issues, the goal is always the same: increase value and improve rental income. But what happens when your capital dries up halfway through construction? Rather than halting progress or scrambling for long-term refinancing, bridge loans for multifamily

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A young couple meets with a lender

Multifamily Bridge Lending in Q4 2025: How to Navigate New Underwriting Trends

The final quarter of 2025 presents a challenging environment for real estate investors. As multifamily bridge lenders grow increasingly cautious, adapting to new underwriting standards has become essential. From fluctuating property values to a cooling debt market, investors must be proactive in understanding these shifts to continue leveraging multifamily bridge loans for quick acquisitions and portfolio expansion. Despite

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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.