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Closing the Funding Gap for New Home Builders with Private Lending

Building new homes is incredibly rewarding, but securing reliable funding can quickly become one of the biggest challenges. With constantly fluctuating material costs, unexpected project delays, and the strict requirements of traditional bank loans, many builders find their projects stalled before they even pour the foundation. That’s where private lending for home builders makes a difference. […]

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Construction Loans for Infill Projects: What Urban Investors Should Know

In the heart of America’s cities, infill construction is transforming forgotten lots into profitable, livable spaces. But as attractive as these urban projects are, they can come with a major challenge—financing. That’s where construction loans for infill projects come into play. Whether you’re redeveloping a vacant parcel in downtown Columbia, SC or building ground-up in Fort Collins,

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A paper cutout of a house next to stacks of coins

Understanding Points, Interest, and Term Structures in Private Money Lending

f you’re exploring private money lending terms, you’re likely ready to dive into the fast-moving world of real estate investing. But before you close your next deal, let’s talk about something that doesn’t always get the spotlight—how much borrowing really costs. Whether you’re partnering with private lenders for real estate or working with hard money lenders,

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Why Hard Money Loans Are Gaining Popularity with Property Developers

If you’ve been around the real estate scene lately, you’ve probably heard whispers (or full-blown conversations) about hard money loans for real estate. These fast, flexible loans are becoming a go-to solution for property developers who need capital quickly—without getting buried in traditional bank red tape. So what’s the buzz really about? Let’s look into

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From Single-Family to Multi-Unit: How Hard Money Supports Property Scale-Up

Real estate investing isn’t just about acquiring properties—it’s about building wealth, and that often means scaling from single-family homes to multi-unit complexes. But there’s one major hurdle: access to fast, flexible capital. That’s where hard money for property scale-up makes all the difference. If you’re ready to grow your real estate portfolio but don’t have the

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The Multi-State Playbook: Using Bridge Loans to Grow Across Texas, Florida, and New York

Real estate investors looking to scale quickly and strategically often hit one major obstacle—traditional financing. Standard bank loans come with lengthy approval processes, rigid requirements, and limited adaptability. That’s where bridge loans for real estate offer a powerful alternative, especially when operating across multiple states like Texas, Florida, and New York. With private bridge loans, investors

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DSCR Loans Explained: The Smarter Way to Finance Rental Properties

If you’re a real estate investor looking to grow your portfolio without jumping through hoops to prove your income, DSCR loans for rental properties might just be your new best friend. These innovative loans base approval on rental income instead of your personal income—making them an ideal tool for savvy investors who want flexibility. What Is a

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Bridge Loans vs. Hard Money

Bridge Loans vs. Hard Money: What’s Best for Your Multifamily Strategy?

In the dynamic world of multifamily real estate, investors often face situations that demand speed and flexibility when it comes to financing. Whether you’re acquiring a distressed property, undertaking a significant renovation, or bridging a gap in traditional financing, understanding your loan options is crucial. Two prominent short-term financing solutions that frequently come into play

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The Benefits of Stated Income Loans for Self-Employed Investors

Being your own boss definitely has its perks—flexible schedule, unlimited income potential, and control over your destiny. But when it comes to securing traditional real estate loans? That’s when things can get… complicated. If you’re self-employed, you already know that conventional loans tend to ask for a mountain of paperwork—tax returns, pay stubs, W-2s, profit-and-loss

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Multifamily Market Trends 2025: Why Multifamily Bridge Financing Is More Relevant Than Ever

The multifamily real estate market in 2025 continues to evolve with interest rate trends, fluctuating capital availability, and persistent housing demand. While the market has shown resilience, particularly with strong demand offsetting new supply, investors are facing a high-barrier lending environment. In this dynamic scenario, multifamily bridge financing has emerged as an increasingly valuable and strategic tool for

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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.