Patrick Rigney

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 […]

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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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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

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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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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

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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

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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

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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.