Patrick Rigney

Stacks of hundred-dollar bills

Bridge Loans vs. Traditional Financing: When Speed and Flexibility Matter Most

In the fast-paced world of real estate investment, timing can be everything. Whether you’re looking to purchase a new property, renovate an existing one, or bridge a temporary financing gap, choosing the right funding option is crucial. Two common paths investors consider are bridge loans for real estate and traditional financing. Understanding the differences between these […]

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a couple consulting an agent.

How Savvy Investors Use Bridge Loans to Scale Their Multifamily Portfolio in 24 Months or Less

In the dynamic world of real estate, opportunities often demand speed and strategic capital deployment. For aggressive investors looking to rapidly expand their multifamily portfolio, traditional financing can be a bottleneck. This is where multifamily bridge loans emerge as a powerful tool, enabling swift acquisitions, value-add renovations, and rapid repositioning to achieve significant growth in a

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A black miniature house on a person’s palm

How to Choose the Right Development Loan Lender: Questions Every Borrower Should Ask

Securing funding for real estate development isn’t just about getting capital—it’s about getting it from the right source. With high stakes, tight timelines, and substantial risks, choosing the right development loan lender can be the difference between a successful build and a stalled site. However, many borrowers make the mistake of accepting the first offer that

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House under construction

Why Albany Builders Are Choosing New Construction Loans

funded fast Albany’s real estate market is heating up, and new construction loans are the go-to for builders chasing big opportunities. From single-family homes to multifamily units, these loans fuel projects in New York’s capital. Construction loans offer the speed and flexibility Albany builders need to stay ahead. At Insula Capital Group, we’re seeing why

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A group of real estate investors reviewing property documents together

Fractional Ownership: Unlocking Rental Investments with Collaborative Financing Models

Fractional ownership is reshaping the way real estate investors build portfolios—especially in the rental market. By pooling funds, investors can collectively acquire income-generating assets that might otherwise be financially out of reach. This shared approach is gaining traction fast, fueled by the availability of private money for rental properties and asset-based lending models that support flexibility

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A residential property being constructed

Avoiding Common Pitfalls in NY Property Financing: A Developer’s Guide

In New York, real estate development isn’t just expensive—it’s unforgiving. In 2023, the average construction cost per square foot in NYC hit $506, the highest in the U.S. But beyond rising costs, developers face a web of regulations, historical overlays, and lender scrutiny. One wrong step can stall financing—or stop your project entirely. Securing real

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Construction of a house

Construction Loan Trends and Tips for Los Angeles Builders

Los Angeles’ real estate market is booming, and new construction loans are powering bold projects from downtown condos to Hollywood homes. With sky-high demand, securing the right construction loans can make or break your build. At Insula Capital Group, we’re seeing fresh trends shaping new construction loans in Los Angeles. This guide dives into what’s

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US dollar notes

The Fast Lane to Closing: Why Bridge Loans Are a Must-Have in Hot Real Estate Markets

In today’s fast-paced real estate environment, especially in highly competitive markets like California, Florida, and New York, buyers and investors often find themselves in a race against time. Properties sell fast, sometimes within hours of being listed, and multiple offers are the norm rather than the exception. This environment demands not only strategic thinking but

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Investor holding a miniature house model representing a short-term rental property opportunity.

2025 Guide to Short-Term Rental Investing with Private Money Loans

In the ever-evolving world of real estate, short-term rental investing continues to attract new and seasoned investors alike—especially in vacation destinations like Hawaii, Colorado, and Florida. With rising interest in Airbnb and VRBO-style properties, securing the right financing has become just as crucial as choosing the right location. For many, traditional bank loans present obstacles, from

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A raised beach house with hurricane-resistant windows and solar panels

Climate-Resilient Rentals: Financing Properties to Withstand Rising Insurance Costs

Extreme weather events are no longer rare—they’re the new normal. From wildfires in California to hurricanes in Florida and Texas, climate risks are driving up insurance premiums and changing how lenders evaluate investment properties. If you’re an investor looking to grow your portfolio in these high-risk zones, you need to think beyond location and layout.

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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.