Fix-and-Flip Loans

Whether you need to refresh the paint or go down to the studs, Rain City Capital is ready to help you transform a property. Our company is committed to helping local investors achieve their real estate goals and maximize profits. We're the partner you can count on for flexible financing options that suit your renovation requirements and project timeline.

Your Trusted Fix-and-Flip Lender

Rain City Capital is the full-service lender you can count on for real estate investment projects. Our local presence allows us to provide accurate appraisals and expertise. We can review your loan offers and let you know if they're a good deal. If you'd like to explore your financing options with us, we'll respond quickly and help you feel confident making informed decisions. 

As your financing partner, our loan officers get to know you and your business. We build a trusting, long-lasting relationship with you and provide flexible terms that suit your needs. Our exceptional communication, services and support have earned us positive praise. Explore our latest Google reviews to see what local real estate investors say about our funding solutions. 

Depending on your scope of work, our fix-and-flip loans could offer an ideal financing option for your project. We offer:

Benefits of Fix-and-Flip Loans

  • Fast funding: Compared to traditional financing, our hard money loans offer a quick way to secure properties. Our faster approval process means you can act on time-sensitive opportunities, like distressed property sales. 

  • Flexible terms: At Rain City Capital, we understand that every flip is different. Tell us what you need, and we'll do our best to find creative solutions that suit your unique goals. 

  • Focus on after-repair value (ARV): When you request a real estate quote from us, we'll factor in a property's potential value. Focusing on the ARV can make it easier to get financing for investments that need extensive renovations. 

  • Renovation funding included: Unlike conventional loans that only cover the purchase price, our hard money loans support rehab and renovations. With our all-in-one approach, you won't need to find separate financing for those expenses. 

  • Non-Dutch interest: We'll order an inspection to establish a baseline for your project. From there, the draws are based on reimbursement for work completed, verified by a third-party inspection that uses your budget and scope. You only pay interest on disbursed funds, which can add up to significant monthly savings.

  • Lower credit score requirements: Hard money loans can offer accessibility to a wider range of investors, including people who are just starting their careers and building their portfolios. Instead of focusing on an applicant's credit score and history, we evaluate a project's potential profits.

Our Fix-and-Flip Financing Process

Make your next flip easier with a dependable, knowledgeable partner. We provide a straightforward way to learn about your financing options and see if you qualify for hard money loans.

  • Spend about seven minutes filling out our online application. Let us know your plan so we can review your request and provide creative solutions that suit your financing needs. 

    We typically offer flexible loan terms for 12 months with 10%-12% interest rates based on your experience and loan product. 

  • Upon approval, you'll receive a loan agreement to sign. If you need more information, speak with one of our experts or check our frequently asked questions. 

  • Once you accept the terms, you can receive financing within days. Then, enjoy fixing and flipping a property. When you're ready to start your next project, we'll be ready to help. 

    Interested in a ground-up construction loan? When you apply for a construction loan, we'll request an outlined budget and set up a third-party inspection to verify the requested draw amount. Upon approval, you'll receive funding as your project progresses. 

  • Comprehensive solutions: Expand your investment portfolio with a lender that offers financing for various projects, from property flips to ground-up construction. We provide loans for non-owner-occupied properties.

  • Award-winning service: As you grow, we grow with you. For several years, we've been listed as one of Inc. 5000's fastest-growing private companies in America.

  • Multiple markets: We're proud to work with real estate investors across the United States. Explore our list of locations to find the closest area we serve near you.

  • Easy online payments: We work with Tandem Servicing to offer convenient online payment options. You can set up recurring monthly payments or make one-time payments from your computer or phone. 

  • Insurance options: You can get and manage your own insurance policy, or you can consider our insurance options. Our insurance provider works directly with us and offers coverage for properties that wouldn't qualify for insurance otherwise.

Why Partner With Rain City Capital? 

Rain City Capital is a trusted lender for real estate investors. Our company goes the extra mile to help you overcome market challenges, scale your growth and maximize your profits. When you partner with us, you receive:

Let's Explore Your Financing Options

Ready to flip a property? Rain City Capital has worked with real estate investors since 2009. So far, we've funded thousands of loans and helped clients secure billions in financing opportunities. Call or contact us to learn more about our hard money loans. 

If you're ready to request funds, submit your application today.