Texas Private Money Loans

    • Competitive rates from 10%

    • Up to 95% LTC

    • Exterior values allowed for qualifying deals

    • Close in as few as 48 hours

    • Non-Dutch Interest—don’t pay interest on undrawn reno funds

    • 12-month terms with extension options (no prepayment penaly)

    • Competitive rates from 6.375%

    • Up to 80% LTV

    • Refi out in 90 days

    • No income verification or DTI required

    • Portfolio loans up to $6.5MM

    • Competitive rates from 12%

    • Up to 85% LTC with 1 verified SREO

    • SFH, MFH, 1-4 units

Build wealth in Texas

Texas continues to attract and retain a growing population and remains one of the best states to invest and build wealth over the short term. Since entering the market in 2020, Rain City has financed properties all over the state in nearly every major metro area.

Our Loan Programs

Our Team

We have local teams in Dallas and Austin, but all of our Sales Executives can pre-underwrite and originate in the state of Texas and beyond.

Texas 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 17 states.

Learn more about our markets here.

Are you a Texas Loan Officer? We’d love to work with you!

Enjoy great pay, flexibility, and a unique company culture with Rain City Capital’s team. Learn more about the job and how you can apply here.

Get in touch with an expert

CONTACT US

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Our Process

80% of our business comes from repeat customers. Here's our proven process for how we make it happen again and again.

  • Rain City's mission is 'Real and Lasting Mutual Success', which means we’ll never fund a deal we don’t believe in—because it’s our money going out, we treat your investments as our own. That's why your loan officer will get to know you and your business so that when you send us a property, we can quickly run the numbers to see if you have a deal on your hands.

  • If the deal looks good, it's time to apply! Our online loan application takes about 7 minutes to complete. We'll get you a pre-approval amount based on your credit and available assets. You will have 24/7 access to proof of funds letters.

    Here's what we need to begin the review process: An online app for each borrower, a recent bank statement, purchase contract, proof of insurance, and if applicable, an operating agreement for your LLC and your budget and scope for any renovation.

  • Our underwriters have years of experience in figuring out which properties are good investments and which will cause you to lose money. The review team quickly gathers all the property details, history, title information and potential value. Once that's complete, most loans are reviewed within two days.

  • Your loan officer will get in touch to go over the final terms. From there, we work with escrow to complete your loan signing, collect your down payment, and wire your funds!

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.

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