Patrick Rigney

a woman holding a placard that says “for sale” with furniture covered in plastic behind her

Lending Beyond the MLS: Financing Off-Market Rentals in 2025

In a market where speed and exclusivity often define success, investors are increasingly turning to off-market rental property loans to seize opportunities that never hit the public listings. Off-market properties, whether distressed, tenant-occupied, or acquired through auction, can offer significant upside, but these deals require fast decisions and faster financing. Traditional lenders, burdened by lengthy underwriting […]

Lending Beyond the MLS: Financing Off-Market Rentals in 2025 Read More »

a woman holding a clipboard with a rental property paper on it, standing next to a man by the window

Rent Roll Ready: How to Use Lease Agreements to Secure Faster Funding

When investors pursue rental property loan approval, a well-organized rent roll often becomes one of their most persuasive tools. In the fast-moving world of real estate financing, executed lease agreements, detailed payment records, and forecasted rental income are more than just paperwork—they serve as financial proof points. Lenders want evidence of cash flow, and nothing

Rent Roll Ready: How to Use Lease Agreements to Secure Faster Funding Read More »

Bundles of Cash

Loan Structuring for Maximum ROI: A Smart Investor’s Blueprint

Building wealth through real estate is about more than just buying and holding properties. To achieve long-term profitability, smart investors pay close attention to how their loans are structured. From the interest rate and repayment schedule to loan type and leverage, each component of a loan can dramatically affect your return on investment (ROI). Working

Loan Structuring for Maximum ROI: A Smart Investor’s Blueprint Read More »

A house on a pile of coins

The Real Cost of Delayed Funding: Why Every Day Counts in Real Estate Deals

Timing is everything in real estate. Whether you’re flipping houses, buying rentals, or competing for a prime property in a hot market, the speed at which your financing is approved and disbursed can make or break your deal. While many investors focus on interest rates and loan terms, fewer account for the real cost of

The Real Cost of Delayed Funding: Why Every Day Counts in Real Estate Deals Read More »

A house and keys on a contract

How to Scale from One to Ten Properties with Strategic Investment Financing

Scaling a real estate portfolio from a single property to ten may sound daunting, but with the right strategy, it’s entirely achievable. Many successful investors use a combination of disciplined budgeting, thorough market analysis, and most importantly, investment strategic financing to grow their holdings sustainably. Whether you’re a new investor or looking to take your

How to Scale from One to Ten Properties with Strategic Investment Financing Read More »

A person holding a wad of cash.

Build Your Rental Empire: Private Money Lenders For Buy & Hold Investors

Owning a rental property is one thing; building a profitable, long-term portfolio is another. Successful buy-and-hold investing requires the right properties, the right management strategy, and, perhaps most importantly, the right financing. That’s where our residential rental program changes the game. At 5.99% for a 30-year fixed option, we make it easier for investors to

Build Your Rental Empire: Private Money Lenders For Buy & Hold Investors Read More »

a house with white walls and wooden doors, under renovation

Navigating Fix & Flip Loans: From Approval to Funding in 5 Days or Less

Real estate investors seeking rapid funding to purchase and renovate properties know that speed is often the difference between closing a profitable deal and losing it to a competitor. With a fix and flip loan, investors can secure the capital they need in as little as five days, ensuring projects stay on track and profits

Navigating Fix & Flip Loans: From Approval to Funding in 5 Days or Less Read More »

a man sitting in a meeting with other people holding a document with graphs

Why Private Hard Money Lenders Outpace Banks for Modern Investors

In recent years, modern investors have started favoring private hard money lenders over traditional banks. The reason is simple — speed, flexibility, and a streamlined process that aligns with the fast pace of today’s real estate market. While banks remain a common source of financing, their rigid approval structures, prolonged underwriting, and strict lending criteria

Why Private Hard Money Lenders Outpace Banks for Modern Investors Read More »

two men standing next to each other, signing a form placed on a wooden table

Is Your Value-Add in Florida on Hold Due to Renovation Delays? Try This Funding Route

Multifamily investors in Florida often face unexpected renovation delays, especially during value-add projects. Whether due to contractor shortages, material price hikes, or permitting issues, these setbacks can derail a project’s timeline and threaten financial returns. When delays occur, capital needs don’t stop. Loan payments continue, holding costs increase, and timelines stretch. For these reasons, many

Is Your Value-Add in Florida on Hold Due to Renovation Delays? Try This Funding Route 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.