Rain City Capital: Hard Money Lender for Real Estate Investors
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(425) 434-9009

Hard Money Lending

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.

24-48hrApprovals
96%Successful exits
17+Years in the industry
24+States

Loan Programs

No matter your strategy—fix-and-flip, long-term rental, or ground-up construction—we deliver the trusted capital, flexible terms, and fast closings you can count on.

Fix and Flip program icon

Fix & Flip

Fast bridge loans for purchase and renovation.

High-leverage capital, competitive rates, and fast closings to buy, renovate, and resell for profit.

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DSCR Rentals program icon

DSCR Rentals

Long-term financing based on property cash flow.

Finance cash-flowing rental properties with flexible terms, low rates, and options for short- or long-term rentals to maximize your income.

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Ground-Up Construction program icon

Ground-Up Construction

Draw-based funding for new builds.

Streamlined construction financing with flexible terms and higher leverage for new and seasoned investors.

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24 states and growing

Where We Lend

Find hard money loans near you. Hover over any state to learn more.

Rain City Capital currently lends in Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Florida, Georgia, Idaho, Indiana, Kansas, Maryland, Missouri, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, Washington D.C., Washington State, Wisconsin. DSCR loans available in all states except: Minnesota, Nevada, New Jersey, New York, North Dakota, Pennsylvania, South Dakota, and Utah.

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Our Mission

Real and Lasting Mutual Success

  • Real

    We tell it like it is — clear, honest communication so you can make confident decisions.

  • Lasting

    We make decisions for the long term, not just the next deal.

  • Mutual success

    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) →

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Five-star reviews

What our borrowers say

Real feedback from real estate investors who’ve closed deals with us across 24+ states.

4.7· 106 Google reviews

Rain City Capital made our loan process completely painless. From start to finish, their team was responsive, professional, and easy to work with. Communication was clear, expectations were straightforward, and everything moved efficiently. We truly appreciate how smooth they made the entire experience and look forward to working with them again. Highly recommend!

Candice Norman

2 months ago

Most Reliable Lender yet.. Raincity Capital has really helped me achieve my real estate investing dream! Starting with Brandon, who secured my loan in less than 36 hours, and I was able to close on my very first deal on time when my original lender failed me! Followed by Isaac, who’s my Loan Servicing Relationship Manager, who has been incredible to work with. He consistently kept me informed, stayed on top of every detail, and made this process far easier than I expected. Last but not least, most recently, Lavonna, has been handling the difficult aspects of my loan issues, and has helped me have more peace of mind with certain challenges I’ve come across. All in all, their dedication and reliability really set them apart. Truly exceptional service. Thank you so much!

Elizabeth Sanchez

5 months ago

I’ve bought five houses so far, and Branden Petrangelo and his team, Chris at Rain City Capital, have truly been the best lenders I’ve ever worked with. The first lender couldn’t perform, but Branden and Chris stepped in and closed the deal in just 2 days, something the previous lender couldn’t do in 30 days! Their speed and efficiency were incredible, and their communication was top-notch. Throughout those 2 days, they kept me updated on every single step and movement. Truly an outstanding experience, I couldn’t recommend them more highly! Thank you again!!!

Marjorie Nieto

6 months ago

Our Track Record

Consistent execution, proven results

17+ years

Still lending

Market cycles come and go, but we’ve never paused, pulled back, or disappeared when the market shifted.

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.

24 states

And growing

We expand where our borrowers are investing. When opportunity opens in a new market, we’re ready.

96%

Successful exits

The vast majority of our borrowers exit as planned because we underwrite with discipline and structure deals that win.

Have a project? Tell us about it.

Quick gut-check on whether your deal fits one of our programs. A real person from our team replies within one business day - no chatbots, no obligation.

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