Get quick, simple, and reliable funding.
From Fix & Flip to DSCR rentals and Ground-Up Construction, Rain City Capital delivers responsive funding and a streamlined process for investors, all powered by Real and Lasting Mutual Success.
Approvals in 24-48 hours
Investor-first underwriting
Lending in 20+ states
16+ years in the industry
LOAN PROGRAMS
Trusted capital for every investment strategy
Whether you’re flipping, scaling rentals, or building from the ground up, we provide flexible capital, reliable execution, and fast closings you can count on.
Fix-and-Flip
High-leverage capital, competitive rates, and fast closings to buy, renovate, and resell for profit. Purchase-only bridge loans available.
DSCR Rental
Finance cash-flowing rental properties with flexible terms, low rates, and options for short- or long-term rentals to maximize your income.
Ground-Up Construction
Streamlined construction financing with flexible terms and higher leverage for new and seasoned investors.
OUR MISSION
Real and Lasting Mutual Success
Real means we tell it like it is—clear, honest communication so you can make confident decisions.
Lasting means we make decisions for the long term, not just the next deal.
Mutual success means we’ll never fund a loan we don’t believe in. Because it’s our money going out, we treat our borrower’s investments as our own.
When you win, we win. It’s that simple.
Watch Fred explain it in his own words (plus, see his juggling skills in action) →
TESTIMONIALS
See why investors trust Rain City Capital
OUR TRACK RECORD
Consistent execution, proven results
16+ years, still lending
Market cycles come and go, but we’ve never paused, pulled back, or disappeared when the market shifted.
23 states and growing
We expand where our borrowers are investing. When opportunity opens in a new market, we’re ready.
80%+ repeat borrowers
We build relationships that outlast the loan. That’s why most of our clients choose to work with us again and again.
96% successful exits
The vast majority of our borrowers exit as planned because we underwrite with discipline and structure deals that win.
Find Hard Money Loans Near You
Rain City Capital is a full-service hard money lender headquartered in Seattle with deep experience in the local market. While we got our start providing hard money loans in the Pacific Northwest, we now serve real estate investors nationwide and currently lend in over 20 states, covering nearly 40% of U.S. real estate markets.
Use the map below to explore where we lend and select your state to view available loan programs and connect with our local contacts.
Rain City Capital currently lends in Alabama, Arizona, Arkansas, Colorado, Connecticut, Florida, Georgia, Indiana, Kansas, Missouri, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, Washington State, Washington D.C., and Wisconsin.
(Rain City Capital of Oregon NMLS#136679).
Partner with Rain City Capital for a seamless, stress-free experience. Follow a few steps to get started.
Our Straightforward Process
Spend about seven minutes filling out our online application
Step One: Apply Online
After reviewing your request, our experts can provide same-day approvals within hours and close in days. Based on your experience and loan product, we typically offer 12-month loans with 10-12% interest rates.
Step Two: Hear Back Quickly
Once your hard money loan is in place and funds have been wired, it’s time to get to work. With borrower-controlled draws, you stay in the driver’s seat—pull what you need, when you need it, to keep your project moving. Finish strong, and when you’re ready for your next deal, we’ll be ready too.
Step Three: Receive Your Funds
Learn More About Our Financing for Real Estate Investors
Rain City Capital is a hard money lender for fix-and-flips, short sales, foreclosures, long-term rentals and more. Every loan we fund for you is a commitment to helping you reach your investment goals. Call or contact us to learn more about our financing opportunities.
Ready to get a loan for multifamily, single-family, condos, ground-up construction, and more? Apply online or submit a deal for expert review today.
