Ready to work with a lender that’s as invested as you are?

Your hard money experts

Resources

BRRRR Calculator

Enter a few quick details about your deal to explore what your estimated cash flow, equity, and overall return could look with the BRRRR method.

Download Calculator

ONE-PAGER

See examples of how Non-Dutch interest and Cash Collateral maximize profits in the long-term

DOWNLOAD pdf

Why Rain City

  1. Non-Dutch Interest: When you partner with Rain City Capital on your fix-and-flip project, you only pay interest on disbursed funds, which can add up to significant monthly savings.

  2. BRRRR Program (Cash as Collateral): With Rain City, you can use the equity in a property you already own to purchase a new property. No seasoning period and your collateralized cash is returned at payoff!

  3. Cross Collateral: Use the equity in a property you already own to purchase a new property, minimizing your cash into the deal.

Ready to talk deals? Get in touch.

Make It Rain City

Learn more about our loan programs, current rates, and benefits of a Rain City loan.

Where we lend

Rain City Capital currently lends in 22 states and counting. Check out our interactive map below to learn more.

Our Process

Over 80% of our business comes from repeat customers. Make your next deal easier with a dependable, knowledgeable partern. 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 funding within days. When you’re ready to start your next project, we’ll be ready to help.

About Rain City Capital

Rain City Capital offers quick, simple hard money loans for real estate investors in the PNW and beyond. Since 2009, our team of industry experts has put the interest of our borrowers first and partnered closely with each borrower to ensure success. Together, we've funded more than $2 billion in over 7,000 fix-and-flip and rental loans for investors who choose to work with us again and again, just by keeping it simple and lending with integrity.

apply now

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, Colorado, Connecticut, Florida, Georgia, Indiana, Kansas (Kansas City Only), Missouri, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, Wisconsin, and Washington state. (Rain City Capital of Oregon NMLS #136679)