Fix-and-Flip Loans
Your fix-and-flip projects deserve financing that helps you stay competitive. Rain City Capital provides short-term fix-and-flip loans with fast closings, clear communication, and flexible structures for both straightforward and outside-the-box deals. When the numbers make sense, we help you move confidently and support your momentum from one project to the next. Let’s get started.
MAKE IT RAIN CITY
Your Trusted Fix-and-Flip Lender
Rain City is built for investors who need dependable guidance, flexible solutions, and steady execution. Our team works with you to evaluate how each project aligns with your goals, identify the strongest path forward, and keep your timeline on track from purchase to resale.
Quick Closings
When a great deal shows up, you need certainty. Our team reviews deals quickly and communicates clearly so you can close with confidence.
Flexible Terms
We understand that every flip is different. We tailor loan structures using investor-first underwriting to support a wide range of strategies. Tell us what you need, and we’ll find a creative solution that suits your unique goals.
Scalable Growth
We’ve spent over 16 years lending consistently across multiple markets and supporting investors through every cycle. Over 80% of our business comes from repeat clients because scaling is simpler with consistent support.
Benefits of Fix-and-Flip Loans
Fast, transparent, common-sense lending. Built for long-term success.
Depending on your scope of work, our fix-and-flip loans could offer an ideal financing option for your project. We offer:
Fast access to investor-focused capital
Secure funding quickly for time-sensitive or distressed properties. Our team can review your deal and help you close within days, so you can act when strong opportunities arise.
Focus on after-repair value (ARV)
We evaluate your deal based on the property’s after-repair value, giving you more buying power and the support needed to take on value-add renovations.
Renovation funding included
Fund both the purchase and the renovation through a single loan so you can keep your project moving without coordinating multiple sources of financing.
Non-Dutch Interest
You only pay interest on the funds you draw, not the full loan amount upfront. This keeps early payments lighter and can create significant monthly savings as your project progresses.
Lower credit score requirements
We focus on the strength of the deal rather than traditional credit barriers, giving newer investors and experienced flippers alike a clearer path to getting funded.
Key Loan Terms:
12-month interest-only terms (up to 18 months with approval)
Minimum loan amount is $75K
No prepayment penalties
Up to 95% LTC
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 our hard money loans.
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Spend about seven minutes filling out our online application. Let us know your scope of work, budget, and exit plan so we can review your request and provide creative solutions that suit your financing needs.
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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.
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Once you accept the terms, you receive financing within days to secure the property and start renovations. As your flip progresses, our team stays available to support your draws and keep the process moving smoothly. When you’re ready to start your next project, we’ll be ready to help.
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.
Special Programs
Cash As Collateral (BRRRR)
Use cash as a deposit to purchase a property (instead of requiring a down payment) to retain liquidity.
Why It Matters:
Allows you to accelerate your portfolio growth by buying multiple properties without tying up cash in a single deal, all while leveraging smart financing solutions.
No-Appraisal Closings
At no charge to you, 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.
The "Non-Dutch Interest" Advantage
Non-Dutch interest keeps your payments tied to real progress. You pay interest only on the funds that have been drawn, not the full loan amount on day one. Early payments stay lower while work ramps up, cash flow stays steadier during renovations, and total interest can be reduced on projects that fund in stages. It’s a practical structure that helps new and seasoned investors keep more capital working in the deal.
When to Use a Fix-and-Flip Loan for Your Real Estate Investments
In many situations, a fix-and-flip loan is the most effective way for real estate investors to acquire, renovate, and resell a property for profit. Because these loans are built around the project’s condition, scope of work, and after-repair value (not traditional income requirements), they give investors the speed, flexibility, and leverage needed to compete in fast-moving markets. Whether you’re targeting distressed homes, planning a full value-add renovation, or aiming to scale your flipping strategy, fix-and-flip financing provides a streamlined path to taking on profitable projects.
Let’s look at some of the most common scenarios where a fix-and-flip loan makes sense:
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Fix-and-flip loans are ideal when you’re purchasing a home that needs immediate work or won’t qualify for traditional financing. You can secure the property fast, complete the renovation, and bring it to market in stronger condition.
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Speed matters when strong deals hit the market. Fix-and-flip loans allow you to close in days, giving you an advantage over buyers who depend on slow, traditional loan approvals.
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Use after-repair value to unlock more buying power on properties with clear upside.
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Access capital that prioritizes deal strength, making it easier to complete your first project or run multiple flips per year.
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Finance the purchase and renovations in one loan so you can execute structural, mechanical, or layout updates with confidence.
Frequently Asked Fix-and-Flip Questions
Fix-and-flip financing can come with a lot of questions, especially if you’re new to renovating and reselling investment properties. To help you feel confident in your next steps, we’ve gathered clear answers to some of the most common questions asked about fix-and-flip loans, renovation funding, and working with Rain City Capital. If you don’t see what you’re looking for, our team is always here to provide straightforward, personalized guidance.
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Any investor who is purchasing a non-owner-occupied property may qualify, regardless of personal employment status.
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Fix-and-flip loans can be used for single-family homes, duplexes, triplexes, fourplexes, and even larger multifamily properties. We fund non-owner occupied investment properties only.
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With Rain City Capital, the approval process is streamlined and efficient, often taking under 10 days from application to funding.
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Draws are released after a third-party inspection verifies completed work against your budget. You only pay interest on funds that have been disbursed, which helps you manage monthly costs.
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Credit is considered, but the project’s potential profit carries more weight.
Connect with a Fix-and-Flip
Loan Specialist
The right lending partner can transform your business. Connect with our team today to see how Rain City can help you borrow smarter, move faster, and build real and lasting mutual success.
We’ll review your message and respond within one business day.
Ready to talk now?
Call us directly at 425-434-9009