Insurance companies are very unlikely as their risk profile has to be very very low. 

According to Linkedin and the profile of one of the individuals Rey Grabato, the company was founded in 2006, NRIA has grown to be one of the nation’s leading specialists in institutional-caliber private real estate investment management with over $1.25B AUM*, focusing on luxury townhome, condominium and multifamily acquisition and development in many supply constrained, high barrier-to-entry markets along the east coast.So what could have investors done in this instance?

Welcome to BP Stephen, did you know when you are a Pro member your profile badge in forums makes you stand out as someone who is serious about investing and you’re 3x more likely to receive a colleague request than free members? 

My email is in my profile and we can set up a time.   

They are not great for down payments.When determining which to use, I'd look at the interest rates, return on investments, and your overall risk profile. 

Also, pulled this article from one of @Stuart Udis BP profile page listed projects.

Consider cap rate alignment with the risk profile (opportunistic, value-add, core plus, core). 

My partner works in finance and I have been managing high-profile construction projects for about a decade.

For more reading and sources:https://www.census.gov/quickfa...https://worldpopulationreview....https://censusreporter.org/pro...https://datausa.io/profile/geo...https://datausa.io/profile/uni...https://datausa.io/profile/uni...https://www.neighborhoodscout....https://www.cityofws.org/Docum...https://livingcost.org/cost/un...https://fred.stlouisfed.org/se...https://www.cityofws.org/https://www.ncdot.gov/projects...https://www.redfin.com/city/19...https://www.realtor.com/reales...

That is your opinion and it's obviously the way you have run your appraisal company...and for years, I can tell, even though you didn't fill out your profile.I'd like to see you fill out your profile so that other reading this thread, not necessarily for those commenting in this thread, but for the public to get a better picture of what you are saying and where you are coming from.BP is a social networking site, while it does contain some very good discussions and has some very good information, especially mine (lol), it is not the University of Real Estate where experience and knowledge is the basis for any qualification.