PRIVATE LENDING

for real estate investment projects

Rafael A. Rivera JR.

VP of Business Development

10+ years’ executive management experience in B2B services including sales, sales coaching and training, sales management, operations management, and business development among others. The primary focus right now is helping Real Estate Investors reach their financial freedom through Fix and Flip, and Buy and Hold Rentals.

I am passionate about coaching, training and inspiring individuals of all skill levels as well as developing and implementing the best practices to maximize growth.

When I’m not training and motivating sales agents or helping companies grow their business, you can find me building forts with my kids, rehabbing old homes, exploring new foods with family & friends, DIY projects, Olympic weight lifting, or enjoying a day on the outer beaches of Long Island, NY with my family. ... see more


Insula Capital Group, LLC is a direct private money lender focused on 1-4 family fix and flip and buy and hold rental transactions. We pride ourselves on the fastest closings in the business as we realize execution and service are truly what separates us from the competition.


I can always be reached via LinkedIn, Instagram, email at rrivera@insulacap.com or direct at 631-203-8522

Loan Amount: 

$134,787

Fix & Flip
Little Egg Harbor Township, NJ

Loan Amount: 

$164,400

Fix & Flip
Townsend, DE

Loan Amount: 

$189,800

Fix & Flip
Bellport, NY

THE INSULA DIFFERENCE

As a direct lender we have the ability to make a lending decision quickly with approvals issued in 24 hours, and loans funded in as fast as 5 business days. 

WHERE WE LEND

We will consider all lending opportunities nationwide across the United States, including Washington D.C., with the exception of Rural Properties. 

our INNOVATIVE suite of loan products

FIX AND FLIPS

Fix and Flip loans are available to both experienced and first time flippers. 

Insula will lend up to 90% of purchase price, 100% of the rehab cost, and 65% of the After-Rehab-Value (ARV).  

Loan terms can be customized to fit your project.  All loans are interest-only and feature no prepayment penalty. Our Rates and Points are dependent on your experience level and credit profile.

 

NEW CONSTRUCTION

New Construction Loans are available to experienced builders only. 

 

This program allows you to finance up to 65% of Land Acquisition and up to 80% of the Construction Costs. 

 

Loan terms are typically available from six to twelve months, but we will consider each scenario individually and provide rates and terms in accordance with the financial strength of the borrower and their experience level.  

 

BUY & HOLD

Permanent Financing is available for borrowers who may be unable to obtain conventional financing through a bank. 

 

Insula offers low to no documentation loans, at varying loan-to-cost ratios, depending on the borrowers credit score and experience level.  

This program offers lower rates than our short term bridge loan products, and is great for cash-flowing.

 

SMALL BALANCE

MULTIFAMILY

BRIDGE LOANS

The Small Balance MultiFamily Bridge Loan Program permits Real Estate Investors to Purchase or Refinance Multifamily Residential Properties with 5 or more units - or even Mixed Use Properties.

Property Types: 5+ Unit Multifamily Residential or Mixed Use Properties

Loan Term: 12 Months - Up to 24 Months w/ Extension.

Eligible Loan Size: $500K - 2.5MM (Insula will evaluate projects above $2.5MM on a case-by-case basis). 

Finance 80% of the Purchase Price, Up to 100% of the Renovation Costs. 

Light or Heavy Rehab Options Available. 

 

get prequalified

 

RESIDENTIAL

RENTAL

PORTFOLIO

PROGRAM

We are now offering investors the opportunity to obtain no-income, no-asset check loans on rental prperties - at rates as low as 6% 

The Program Has Two Tracks: 

The first track allows for individual rental properties to be purchased or refinanced (even with cashout) on loan sizes starting at $250K. 

The second track allows investors to buy or refinance portfolios of rental properties in one closing, with one mortgage. 
The portfolio program requires a minimum loan amount of $1million, with each individual property required to be worth at least $50K.  

Borrowers must have at least 6 months of property management experience.  
Open to US citizens, and Foreign Nationals.

Rates start at 6% for 30-Year Fixed Program

Choose from 10 Year Interest Only or Fully Amortizing Payments. 

Choose from 30-Year Fixed for rate stability, or a 5/1, 7/1 or 10/1 ARM for max cash-flow. 

Property Types: SFR, 2-4 Family, Condos, Townhouses & PUDs. Warrantable & Non Warrantable Condos are OK. NO Coops or Manufactured Housing. 

Maximum Loan to Cost (LTC): 

  • Purchases: 80%

  • Refis: 80% if owned < 90 days

  • Refis: 100% if owned > 90 days

Maximum Loan to As-Is Value (LTV): 

  • 80% for US Citizens

  • 70% Foreign Nationals

LTC vs LTV: 

  • Purchases: lower of LTC & LTV

  • Refis: lower of LTC and LTV if owned less than 90 days

  • Refis: LTV only if owned more than 90 days

 

Investors Welcome:

Insula Capital Group's Real Estate Investment Fund is based on sound underwriting and expert management. 

 

If you would like more information on how Insula Capital Group can serve you best please contact me.