Insula Capital Group

What Insula Capital Group does

Insula Capital Group is a U.S. nationwide private real estate lender founded in 2015 and headquartered in Farmingville, NY. The firm originates short-term hard-money and long-term asset-based financing for real estate investors, with a core menu spanning Fix and Flip Loans, Ground Up Construction Loans, Multifamily/Mixed-Use Bridge Loans, Rental Property Loans (DSCR-based, starting at 6.99% on 30-year fixed), and Cash-Out Refinance products. Underwriting is asset-based, prioritizing property value and rental income over borrower tax returns, with stated approval timelines of 24 hours and funding in 5-10 business days. The platform supports construction draw requests through the Tru-pic mobile inspection app and uses TheLoanPost for online application intake.

The business operates a hybrid go-to-market combining direct inside/field sales staffed by lending specialists, a nationwide broker referral program with commissions paid at HUD settlement, and a self-service online pre-qualification funnel. Distribution covers all 50 U.S. states as of November 2025, supported by headquarters plus branch offices in Fort Lauderdale, Ramsey, and Myrtle Beach. Customer segments span SMB fix-and-flip operators, rental portfolio investors, property developers, first-time investors (via the 2026 Fast-Track program), and broker partners.

Revenue mechanics derive from interest income, origination points, and ancillary fees on originated loans funded with in-house private capital. The firm is privately held by founders Edward J. Stock (Managing Partner, 30 years of stated real estate finance experience) and Joe McDowell (Co-Founder), with Nicholas Raimondi as Executive Vice President. Recent strategic cadence has emphasized product expansion into DSCR-based rental financing and portfolio-level consolidation, alongside thought-leadership positioning through 2026 industry media coverage.

Name

Insula Capital Group

Legal name

Insula Capital Group, LLC

Website

https://insulacapitalgroup.com

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

11–50 employees

Short description

Insula Capital Group is a nationwide private real estate lender offering hard-money fix-and-flip, construction, rental (DSCR), and cash-out refinance loans to SMB real estate investors across all 50 U.S. states, distributed through direct sales and a broker referral network.

Ownership category

akta.pro rank

Product category

Private Real Estate Lending (Hard Money)

NAICS

Finance and Insurance (52)

SIC

Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Asset-Based Lending (ABL) (FSANADAD)

akta.pro secondary industry

Direct Lending — Asset-Based Lending (ABL) (FSAHAJAE)

Keywords

• Private real estate lending
• Hard money loans
• Fix and flip financing
• Rental property loans
• Construction financing

Headquarters

HQ city

Farmingville

HQ country

United States

HQ region

North America

Offices4 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Private Money Lending - Fix & Flip Loans: Short-term hard money loans for real estate investors purchasing distressed properties, renovating them, and selling for profit. Loans are interest-only with terms typically up to 12 months. Lending up to 90% of purchase price, 100% of rehab costs, and 65% of ARV.
2. Residential Rental Property Loans: Long-term financing for rental property investors including 5, 7, 10-year ARM products and 30-year fixed options. Starting at 6.99% for 30-year fixed. Provides smooth transition from construction/repair loans into permanent financing.
3. Cash-Out Refinance Loans: Asset-based refinancing allowing investors to access equity in existing properties. Provides competitive rates and flexible terms tailored to investor objectives. Average loan amounts range from $50K-$400K depending on state and property value.
4. New Construction Loans: Financing for ground-up construction projects and property development. Loans cover up to 65% of land acquisition and up to 80% of construction costs. Typical terms of 6-12 months for construction phase.
5. Multifamily / Mixed-Use Bridge Loans: Bridge financing for small-balance multifamily properties (5+ units) and mixed-use properties. Finance up to 80% of purchase price and up to 100% of renovation costs with light or heavy rehab options available.
6. Portfolio-Level DSCR Financing: Consolidated underwriting for investors managing multiple rental properties across markets. Provides portfolio cash-flow analysis and cross-collateralized loan options instead of reviewing each property in isolation.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels7 records

Core offering

Insula Capital Group is a direct private money lender providing short-term and long-term hard money loans to real estate investors across the United States. Its core offerings include Fix and Flip Loans, Ground Up Construction Loans, Multifamily/Mixed-Use Bridge Loans, Rental Property Loans (including DSCR-based products), Cash-Out Refinance Loans, and specialized programs such as Fast-Track financing for first-time investors and Portfolio-Level DSCR Financing. The company emphasizes asset-based underwriting, 24-hour loan approvals, 5–10 day funding, no application/processing/commitment fees, and no prepayment penalties.

Product overview

Insula Capital Group is a nationwide private real estate investment lender offering a comprehensive suite of loan products. The core offering consists of hard money-based financing products including Fix and Flip Loans, Ground Up Construction Loans, Multifamily/Mixed-Use Loans, and Rental Property Loans. Additional products include Cash-Out Refinance Loans for accessing property equity, Hard Money Loans for asset-based short-term financing, and the Residential Rental Program with both individual and portfolio tracks. The company also offers specialized programs including DSCR Loan Programs with portfolio-level consolidation options and a Fast-Track Loan Program for first-time investors. A complementary Fix & Flip Calculator tool supports investor decision-making. These products share common features including minimal documentation requirements, no prepayment penalties, and rapid funding timelines (often within 5-10 business days).

Differentiator

Problem solved

Functional benefit

Products and services

• Fix and Flip Loans Short-term interest-only loans for real estate investors purchasing distressed properties, renovating them, and reselling for profit. Lends up to 90% of purchase price, 100% of rehab costs, and 65% of after-repair value (ARV).
• Ground Up Construction Loans Financing for new residential construction projects. Covers up to 65% of land acquisition and 80% of construction costs with terms typically 6–12 months.
• Multifamily / Mixed-Use Bridge Loans Bridge financing for small-balance multifamily properties (5+ units) and mixed-use properties. Finances up to 80% of purchase price and 100% of renovation costs with light or heavy rehab options.
• Rental Property Loans Long-term financing for rental property investors with 5, 7, 10-year ARM or 30-year fixed options, starting at 6.99% for 30-year fixed. Includes Buy & Hold and Rental Portfolio tracks.
• Cash-Out Refinance Loans Refinancing that allows real estate investors to convert equity built in existing properties into liquid capital. Provides competitive rates and flexible terms tailored to investment objectives. Average loan amounts range from $50K–$400K.
• Hard Money Loans Asset-based private financing using real estate equity as collateral. Provides quick, flexible capital for property acquisition, rehabilitation, and resale with streamlined applications and faster approvals than traditional financing.
• Advanced DSCR Loan Programs DSCR-based financing solutions with flexible coverage thresholds based on asset profile, market-informed rent analysis, and streamlined documentation prioritizing property income over borrower tax returns.
• Fast-Track Loan Program Accelerated financing for first-time property investors with expedited underwriting timelines, flexible loan terms, competitive pricing, and reduced documentation requirements, targeting single-family rental, small multifamily, and select mixed-use properties.
• Portfolio-Level DSCR Financing Consolidated underwriting structure for real estate investors managing multiple rental properties across different markets, providing portfolio cash-flow analysis and cross-collateralized loan options instead of reviewing each property in isolation.

Quantifiable outcome

• Loans approved within 24 hours
• +3 more outcomes

Named customers10 records

Segments6 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature3 records

Partnerships

One partnership is on record.

• Broker Referral PartnerscoreChannel Partner/ Reseller/ DistributorNetwork of real estate brokers and lending specialists who refer clients to Insula Capital Group. Partners receive proof of fund letters on demand, 24-hour client approvals, and commissions paid at HUD settlement. Broker fees are protected in both loan commitment letters and on HUD settlement statements.

Scale indicators4 records

Recent moves7 records

Expansion highlights5 records

Regional players

• Aldridge Mortgage: Regional hard money/private lender focused on Texas real estate investors. Comparable fix-and-flip and rental loan products but limited geographic overlap with Insula's footprint.

Direct peers

• Kiavi: One of the largest online private real estate lenders, originating bridge loans for fix-and-flip and new construction investors. Direct competitor in the asset-based short-term lending space serving real estate investors.
• Lima One Capital: National private lender offering fix-and-flip, new construction, rental, and multifamily loans. Competes head-to-head with Insula on product breadth and geographic reach in the investor lending market.
• RCN Capital: National private lender specializing in fix-and-flip, new construction, and rental property loans. Similar asset-based underwriting model targeting the same SMB real estate investor base as Insula.
• CoreVest Finance: Private lender focused on residential real estate investors, offering fix-and-flip bridge loans and rental portfolio loans. Directly overlaps Insula's rental and bridge products with similar underwriting philosophy.
• Patch of Land: Online marketplace/private lender for fix-and-flip and rental real estate investors. Competes with Insula in the asset-based, fast-approval segment for individual and SMB investors.
• Groundfloor: Real estate investment platform providing short-term financing for fix-and-flip investors. Operates with a similar asset-based, technology-enabled underwriting approach targeting smaller investors.
• Visio Lending: Specializes in rental portfolio and DSCR loans for real estate investors — directly comparable to Insula's DSCR and rental property loan products.

Broad incumbents

• Angel Oak Mortgage Solutions: Broader non-QM and investor-focused lender offering DSCR and rental loans. Larger balance sheet lender with overlapping investor-lending products but a wider portfolio.
• NewRez (Shellpoint Mortgage): Large-scale mortgage lender offering non-QM and investor loan products including DSCR. Represents scaled institutional competition in the investor financing segment.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/insulacap
• Facebookfacebook.com/InsulaCapital
• LinkedInlinkedin.com/company/insulacapitalgroup
• Instagraminstagram.com/insulacapitalgroup

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Insula Capital Group