California Private Money Loans
Invest in the Golden State
California remains one of the most dynamic real estate markets in the country. With a diverse economy driven by technology, entertainment, and trade, strong rental demand across its major metros, and a chronic housing shortage that continues to outpace supply, California offers compelling opportunities for investors who know how to navigate it. From urban flips to buy-and-hold plays in high-growth corridors, the market rewards investors who move with confidence and the right lending partner behind them.
Rain City’s top California markets:
Los Angeles
Orange County
San Diego
Sacramento
Your California Real Estate Lending Partner
California real estate investors count on Rain City Capital for reliable financing that fits the pace and complexity of one of the country's most competitive real estate markets. Whether you're flipping a property in Los Angeles or building your rental portfolio in Sacramento, we offer flexible financing for investors who need more speed and support than traditional banks can offer.
We're proud to support California investors with:
DSCR Loans— These 30-year fixed loans are based on the property's income potential rather than your personal income. A smart option for landlords and portfolio investors looking to scale with reliable, long-term financing across California's high-demand rental markets.
Fix-and-Flip Financing— Our short-term fix-and-flip loans come with 12-month terms and interest-only payments on the funds you draw. Designed for speed and flexibility to help you act fast in a market where timing is everything.
Ground-Up Construction — From blueprint to final walkthrough, we provide financing for ground-up construction on eligible single-family and small multifamily projects. Clear terms, quick draws, no unnecessary delays.
Get in touch with an expert
Our Team
All of our Sales Executives can pre-underwrite and originate in California.
California Network
We also have a growing network of local partners, so if you need a referral, let us know!
Where We Lend
Rain City Capital currently lends in 25 states.
Learn more about our markets here.
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Why Choose Rain City Capital
As your dependable hard money lender in California, we provide more than just funding. We deliver partnership, expertise, and unwavering support. Trust us to share your vision for growth, providing you with financing opportunities to achieve your real estate investment objectives. We treat your investments as our own, which is why we’ll never fund a deal we don’t believe in. This commitment to real and lasting mutual success has made us a top-ranking, trusted lending partner for California investors and beyond. It’s why over 80% of our business is from repeat clients.
All loans are for non-owner occupied properties only. Additional terms apply. Contact your loan officer for full details.
Rain City Capital currently lends in Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Florida, Georgia, Indiana, Kansas, Missouri, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Washington State, Washington D.C., and Wisconsin.