Grow your business the Rain City way
With competitive loan programs and customizable technology, our broker program helps brokers win—and keep their clients.
MAKE IT RAIN CITY
Fast, transparent, common-sense lending. Built for long-term success.
Founded on the belief that lending should be transparent and human-centered, RCC brings together responsive service, deep industry knowledge, and common-sense underwriting. Our model is built for those who need more than funding — they need a strategic partner.
We Protect Brokers
Your clients stay yours. We bring the capital so you can run your business your way.
Reduced Lender Fee
Competitive broker pricing structure, with preferred pricing based on volume.
White-Label Broker Portal
Your clients, your brand, all in one smart portal built to give you control.
WHAT YOU CAN OFFER YOUR CLIENTS
Built for brokers who want an edge
We offer business-purpose loans for residential non-owner-occupied assets. Our core product lines include:
Fix-and-Flip: Rehab-to-sell loans, with or without holdbacks
Purchase Only: Straight acquisition financing
Ground-Up Construction: For new and experienced investors
Bridge-to-Rent: Short-term loans with long-term refi exit plans
Cash-Out Refi: Available on turnkey assets
DSCR: Rental financing for single assets and portfolios.
Key Loan Terms:
12-month interest-only terms (up to 18 months with approval)
Minimum loan amount is $75K
No prepayment penalties
30-year term for DSCR product with fixed-rate and interest-only options
Special Programs
Ground-Up for New Builders
No experience required with a vetted contractor.
Why It Matters:
Most lenders require 5+ new construction exits—Rain City opens the door to builders earlier.
No-Appraisal Closings
At no charge to your client, complete internal valuations within 48 hours of submission.
Why It Matters:
Speeds up funding significantly for clean purchase/reno and purchase-only scenarios.
95% LTC Cosmetic Program
95% LTC financing for cosmetic rehab deals.
Why It Matters:
Exceptionally high leverage available for qualified, experienced flippers.
WHERE WE LEND
Lending in key U.S. markets
Actively lending in major markets across the West, Midwest, Southeast, and Northeast, with DSCR availability in most states.
For specific state eligibility, our team will walk you through the details.
Apply to become a Broker Partner
Ready to move? Submit your information and our broker team will reach out to activate your access, review programs, and help you get deals submitted quickly.
Why brokers choose Rain City
Protection for your client relationships
Clear, transparent fee structure
Preferred pricing opportunities
Flexible, common-sense underwriting
Programs designed to scale
Broker Rewards Program
Contact our broker team: info@raincitycapital.com