Real Estate Lender in Texas
Real estate investors need a lender who understands the market and moves at the speed of opportunity. Rain City Capital provides hard money loans that Texas investors rely on for fix-and-flip projects, rental properties, and ground-up construction. We bring years of lending experience and a commitment to your success on every deal.
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Buy and renovate properties with confidence. Our fix-and-flip loans offer competitive rates starting at 10% with up to 95% loan-to-cost (LTC) coverage. With non-Dutch interest, you only pay interest on funds you've actually drawn. Twelve-month terms with extension options and no prepayment penalties give you the flexibility to complete your project on your timeline.
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Build long-term wealth with income-generating properties. Our 30-year DSCR loans have competitive rates from 6.375%, up to 80% loan-to-value (LTV), and no income verification or debt-to-income requirements. You can refinance out in just 90 days, and we offer portfolio loans up to $6.5 million for investors ready to scale.
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Our ground-up construction loans provide rates starting at 12% with up to 85% LTC for borrowers with one verified schedule of real estate owned (SREO). We fund single-family homes and multifamily properties with one to four units.
Our Real Estate Lending Solutions
As a trusted hard money lender in Texas, we provide loan programs designed for real estate investors:
Texas continues to attract new residents and businesses, creating strong opportunities for real estate investors. We've financed properties in nearly every major metro area, including Dallas, Austin, Houston, San Antonio, and Fort Worth. Here's what sets us apart from other private money lenders in Texas:
Local market expertise: Our teams in Dallas and Austin understand real estate norms, from pricing and permitting to state regulations. We know your market because we work in it every day.
Fast approvals and funding: We can approve loans within 10 days of application, helping you secure time-sensitive deals before the competition.
Proven track record: We've funded billions across thousands of loans, with 80% of our business coming from repeat borrowers who trust us, deal after deal.
Why Investors Choose Rain City Capital
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Our Simple Lending Process for Real Estate Investors
We've streamlined our process so you can focus on finding great deals while we handle the financing:
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Share your property details with your loan officer. We'll run the numbers and let you know if you have a solid investment opportunity.
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Complete our brief application. We'll provide a preapproval amount based on your credit and available assets, plus 24/7 access to proof-of-funds letters.
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Our underwriters review your property details, title information, and potential value. Most loans are reviewed within two days.
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Once approved, we work with escrow to complete your loan signing and wire your funds so you can get started.
Start Your Next Real Estate Investment Today
Rain City Capital is the Texas hard money lender that's ready to help you succeed. Contact our team to discuss your project, and when you're ready to move forward, apply online to get started.
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)