with Steven Cera


If you are an Investor, Real Estate Professional, or Contractor then you've come to the right place.


Now let me take this moment to introduce myself: I'm Steven, Loan Specialist at Insula Capital Group, and your direct connection to obtaining fast, reliable financing to fund your next real estate investment project.

Whether you need cash quick to fund that next fix and flip, or permanent financing to max out your cash flow on a rental, I couldn't be more excited to talk to you all about the innovative suite of financing solutions Insula has to offer. 


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. 


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

our suite of loan products

fix and flip

new construction

buy & hold


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


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

Loan terms can be customized to fit your project, from 12 to 36 months.  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 Loans are available to experienced builders.

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. 



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

We offer low to no documentation loans, at varying loan-to-cost ratios depending on the credit score and qualifications of the borrower.

This program offers lower rates and customized loan terms dependent on borrower qualifications, and is great for cash-flowing.