Private Lender · Real Estate Investment Capital

Private Lending
Done Right.

The leading nationwide private lender for real estate investments — low-cost capital delivered as short-term loans at competitive rates.

Nationwide: Lending footprint, all 50 states
5 Days: Close in as little as five days
$0: Application, processing & commitment fees
None: Prepayment penalties

Who we are

Insula Capital Group

We are a leading nationwide private lender and real estate investment company. We provide low-cost capital to real estate investors in the form of short-term loans at competitive rates.

Seamless loan approvals
Minimal documentation required
Private debt fund — we lend our own capital
No application, processing or commitment fees
No prepayment penalties

What we offer

All loan programs

Four core programs, one underwriting team, and capital that closes on schedule.

Fix & Flip Loans

Turn distressed properties into profits with tailored fix & flip financing for purchase or refinance.

Up to 90% loan-to-cost and 75% of after-repair value
Funds for both acquisition and rehab costs
Interest-only payments during the rehab period
No income verification required

New residential construction framing at golden hour

Ground Up Construction

Start your property project with construction loans structured around your draw schedule and build timeline.

Financing for land, vertical construction and soft costs
Draw schedules aligned to build milestones
Experienced builders and first-time developers considered
Single-family through small-scale subdivisions

Rental Property Loans

Diverse and flexible rental property loans for investors building long-term cash-flowing portfolios.

30-year terms and interest-only options
Single asset or portfolio financing
DSCR-based qualification, not personal income
Purchase, refinance and cash-out available

Multifamily

Quick, flexible multifamily loans for value-add acquisitions, repositioning and stabilized holds.

Bridge and stabilized multifamily financing
Value-add and repositioning business plans
Fast diligence with certainty of close
Available nationwide

Flagship program

Purchase or refinance.
Structured to the deal.

No two real estate deals are the same. Our fix and flip financing is tailored to both property purchases and refinances, with the speed, flexibility and simplicity investors need.

Purchase

Fix & Flip Purchase Loans

For investors acquiring distressed or undervalued properties with quick closings.

Use case scenarios

Purchasing a bank-owned foreclosure with tight deadlines
Acquiring a rundown single-family home at auction
Buying off-market properties needing cosmetic or structural renovations

Loan highlights

Up to 90% loan-to-cost (LTC) and up to 75% of after-repair value (ARV)
Funds available for both acquisition and rehab costs
Close in as little as 5 days
Interest-only payments during the rehab period
No income verification required · Available nationwide

Refinance

Fix & Flip Refinance Loans

For projects mid-flip or nearing completion that need more capital, better terms, or extra time.

Use case scenarios

Extending your timeline after contractor delays
Replacing an original lender's restrictive or expensive terms
Tapping equity after adding significant value to the property
Consolidating multiple short-term loans

Loan highlights

Cash-out available against created value
Rehab holdback for remaining scope of work
Interest-only during the extended term
Streamlined diligence on in-progress projects
Available nationwide

Track record

Just funded projects

A leading nationwide private lender and real estate investment company — recent closings across the country.

March 2026Fix & Flip
$632,025
Loan amount
After repair value
$926,000
Purchase price
$465,000
Renovation budget
$236,775
Located in
Gallatin, TN
August 2026Fix & Flip
$1,055,000
Loan amount
After repair value
$1,750,000
Purchase price
$1,300,000
Renovation budget
$80,000
Located in
New York, NY
July 2026Fix & Flip
$282,800
Loan amount
After repair value
$404,000
Purchase price
$189,000
Renovation budget
$128,100
Located in
Albany, NY
July 2026Fix & Flip
$2,010,000
Loan amount
Located in
Destin, FL
June 2026Fix & Flip
$720,000
Loan amount
After repair value
$1,380,000
Purchase price
$848,000
Renovation budget
$88,975
Located in
Atlanta, GA
May 2026Fix & Flip
$167,950
Loan amount
After repair value
$225,000
Purchase price
$146,000
Renovation budget
$36,550
Located in
Cullman, AL
April 2026Fix & Flip
$906,605
Loan amount
After repair value
$1,350,000
Purchase price
$1,075,000
Renovation budget
$94,605
Located in
Brooklyn, NY
April 2026Fix & Flip
$1,180,500
Loan amount
After repair value
$1,650,000
Purchase price
$670,000
Renovation budget
$577,500
Located in
Franklin Square, NY

How it works

From scenario to funded

01
Submit your scenario
Share the property, budget and exit strategy. Minimal documentation — no application fee.
02
Term sheet
Receive pricing, leverage and structure quickly, direct from the people who approve the loan.
03
Diligence
Valuation, title and scope review run in parallel so nothing waits in a queue.
04
Funding
Close in as little as five days, with draws released as your project hits milestones.

Why Insula

Built for investors who move first

Speed that wins deals

Approvals in days, not weeks. Closings in as little as five days when the deal demands it.

Certainty of close

We underwrite in-house and commit early, so your term sheet is a decision — not a maybe.

Balance-sheet capital

A private debt fund lending its own capital. No broker chain, no third-party approval.

Nationwide footprint

Active lending across the country, from single-family flips to multifamily repositioning.

Have a deal on the clock?

Start a conversation with our lending team. No application fee, no obligation — just a straight answer on structure, leverage and timing.

Private LendingDone Right.