Joel is an insurance and financing advisor who helps individuals and business owners manage risk through Starisks Insurance, and provides fast, flexible hard money loans to fund real estate deals, renovations and investments through HMMB Funder LLC.
In today’s market, getting a traditional bank loan can feel impossible. Recent reports show that small business loan approval rates at big banks dropped below 15% in early 2025
Builder’s Risk Insurance protects construction and renovation projects from storms, theft, vandalism, and costly delays. Learn what it covers—and what it doesn’t.
Commercial property insurance protects buildings, contents, and income, but exclusions like floods, earthquakes, and wear-and-tear mean custom coverage is key.
Not sure when to call your insurance broker? From big purchases to life changes, claims, and business growth—timing is everything for the right coverage.
