Insula Capital Group LLC

  Acquiring capital can be a difficult process for many aspiring investors. They may not get approved for the exact loan amount they need, or the conditions may be unsatisfactory for them. Often, the waiting period for loan approval and issuing is so long that the investor loses many time-sensitive opportunities. A practical solution for these problems is a short-term financing option such as a business bridge loan . It allows you to make timely investment decisions despite having limited financial capital. Companies often opt for commercial bridge loans to resolve their liquidity issues and keep the organization functional. Homebuyers may also acquire these loans when operating in a seller’s market. Here are some reasons you should consider this financing option  for your borrowing needs as well. 1. Property Auction People with financial restrictions often pass up bidding opportunities at home auctions. But with the help of a bridge loan, you can take part in any auction with...

Hard money loans can offer timely financial relief to investors in many situations. It has helped business owners meet operational deadlines. It has relieved the stress for many store owners struggling to stay open during the pandemic. And it widens the investment options for those with a lower credit score. But acquiring a   hard money loan for a real estate  purchase involves many intricate steps. Borrowers have to be careful about their choice of   hard money lenders,  or they may end up in distressing situations. Here are some things you should watch out for when acquiring capital through a private lender.   1. Don’ t C onnect with Private Lenders Directly It can be tempting to borrow funds from a lender that offers flexible terms. But the lack of a mediator will make this transaction highly risky for the borrower. You may not understand the terminologies of the contract you sign, and end up paying for this mistake. I nsula Capital Group ’s loan offic...

  Foreclosures are undoubtedly every homeowner's nightmare. Just the thought of it is enough to scare every homeowner. Unfortunately, homeowners are often clueless about this process and tend to make some mistakes. Here, we’ve prepared a detailed guide on foreclosures  to help you out. What is a Foreclosure? Lenders and borrowers often sign a contract while using the property as collateral in case they default. If the borrower fails to pay their dues, the lender can sell the property to compensate for the payments and recover their losses. This process is called foreclosure. These properties are then available for real estate investors and interested buyers  to purchase at agencies, banks, auctions, etc. Foreclosure Timeline Though the foreclosure process is typically the same in every state, but here’s what a general foreclosure timeline looks like. First Missed Payment The initial step that causes foreclosure is a missed payment. Most lenders tend to offer grace periods...

  The real estate market is one of the most profitable ones, but it isn't for the faint hearted! The investment opportunities out here are vast, but you need to be able to make some quick decisions to close deals. Moreover, you need capital to invest in real estate properties. Well, that explains why real estate loans are extremely popular with various options available for investors. If you're considering investing in a property but need financing, here's a list of some real estate loans you can opt for. Fix and Flip Loans A popular real estate loan type is fix and flip loans . Short-term loans designed for real estate investors are known as fix and flip loans. They only assist investors in purchasing and renovating properties to resell them for a profit after a span of 12 to 18 months. While some investors use standard loans and lines of credit to support their businesses, the vast majority of fix and flip loans are obtained by individuals or private investors. Fix and fl...

  Previously, most individuals often obtained loans from banks. However, numerous private lenders have turned that around by offering flexible loan terms to borrowers. Hard money lenders have become a popular option for most investors. But the question is: “Are they worth it? “ Well, read on to find out! Save Your Capital One of the top benefits of hard money loans is that you save up. Financing isn’t an easy step for any investment , especially if you don't have enough or you're just trying to save up. Luckily, hard money lenders come in to rescue you. Hard money  lenders offer you financing, ensuring you get the financing you need without spending your own money. That's one of the main reasons that makes hard money lenders worth it. Leverage As an investor, leverage is crucial. Hard money lenders allow you to use this principle to the fullest. How? By securing a loan from hard money lenders, you can invest in huge and profitable investments without paying large payments. ...

The approval process for a construction project can be a bit more stringent than regular mortgages or loans as there's no security involved. In addition to the typical borrower criteria, lenders will analyze and approve your budget, the estimated construction period, and the architectural drawings of your project before authorizing the loan. This article will walk you through the requirements for obtaining a construction loan. A Low Debt-To-Income Ratio The debt-to-income (DTI)  ratio is the ratio of all your monthly loan repayments to your monthly gross income. A lower DTI score is preferred by lenders as that indicates you have sufficient money to pay off your debts each month and that you won't default on this loan too. Moneylenders aim for a DTI ratio of less than 45% when approving construction loans to maximize the likelihood of borrowers making their payments. Reasonable Credit Score As there's no collateral involved, the lenders will only accep...