Patrick Rigney

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Bridge Loan Timing Secrets: Why the First 90 Days Can Make or Break Your Multifamily Deal

When it comes to closing on a multifamily property using short-term capital, most investors breathe a sigh of relief once the ink dries. But hold that exhale! The real pressure kicks in right after closing. In fact, the first 90 days are absolutely critical. If you get this window wrong, your deal could veer off […]

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Rental Property Loans by State: What Investors Need to Know in NY, CA, FL & TX

Not all rental markets are created equal—and neither are the financing rules that go with them. If you’re investing in New York, California, Florida, or Texas, understanding the rental property loan requirements and lending climate in each state can make or break your deal. From lender preferences and approval timelines to property types and local risks,

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Hard Money Loans for Rental Properties: Fast Funding When You Need It Most

Timing is everything in real estate. Opportunities disappear in hours, not days. That’s why when you find the right rental property—especially one that needs work or isn’t bank-financeable—you need capital, fast. This is where hard money loans for rental properties become a game-changer. Unlike traditional financing, hard money rental loans are built for speed and flexibility. You’re

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What You Need to Know About Property Development Loans in New York

Is it even possible to get a property development project off the ground in New York without running into a wall of red tape and financial hurdles? If you’ve asked yourself that recently, you’re not alone. Between sky-high land costs, complex zoning laws, and drawn-out permitting processes, building anything in New York is no small task.

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The Ultimate Guide to Rental Property Financing: Options, Requirements & Smart Strategies

If you’re serious about growing a rental portfolio, mastering rental property financing isn’t optional—it’s essential. Whether you’re buying your first duplex or expanding a 20-door empire, the right funding strategy can mean the difference between scaling fast and staying stuck. The truth is, loans for rental property aren’t one-size-fits-all. There are countless ways to structure financing—traditional loans,

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Florida’s Booming Market: Your Guide to Development Financing in the Sunshine State

What do developers see in Florida that makes it one of the most active property development regions in the U.S.? The answer isn’t just sunshine and coastline. Florida’s strong population growth, business-friendly environment, and consistent demand for residential and commercial space have pushed property development activity to new highs. According to U.S. Census data, Florida had the

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First-Time Investor? Here’s How to Finance Your First Property Like a Pro

So, you’re ready to dive into the exciting world of real estate investing. Congratulations! Whether your goal is to build long-term wealth, earn passive income, or flip properties for profit, purchasing your first investment property is a huge milestone. However, for first-time investors, navigating the maze of financing options can be intimidating. This is where

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Your Ultimate Guide to Real Estate Development Loans in Texas

Have your site plans ready and team in place—but still can’t move forward on your real estate project? You’re not alone. Even in a development-friendly state like Texas, finding the right financial backing can be more challenging than managing construction timelines or design approvals. With property values surging across major markets and rural areas alike,

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Investment Property Loans: What You Need to Qualify and Secure the Best Rates

Investing in real estate is one of the most time-tested ways to build long-term wealth. Whether you’re eyeing your first rental property or expanding an existing portfolio, investment property loans are essential tools to fuel your real estate ambitions. However, qualifying for these loans—and securing the best possible rates—requires a deep understanding of investment property loan

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Real Estate Investment: How DSCR Loans Enable Growth in the Commercial Property Market

The commercial real estate game is evolving—and fast. Gone are the days when traditional bank loans were the only route to scaling your portfolio. Today, savvy investors are embracing alternative financing tools that offer flexibility, speed, and better alignment with rental income goals. One of the hottest tools in the playbook? DSCR loans. These babies

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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.