Our Year-End Special Loan Terms are officially here to stay!
New Year, New Terms
Lower Rates, Higher Leverage, and Faster Closings
Start the year strong with Rain City
New in 2026: Updated pricing and leverage designed to help you scale faster and keep more margin on every deal:
Rates as low as 9% for experienced borrowers
Up to 95% LTC on select loan programs
Up to 90% LTC on Ground-Up Construction for experienced builders (3+ SREOs)
Ground-Up Construction now open to first-time builders
No appraisal required on loans under $1 million
Get in touch to learn more
All loans are for non-owner-occupied properties only. Additional terms apply. Contact your loan officer for full details.
Q&A: Lesa Answers Your Year-End Special Questions
With a 1% rate reduction on most programs, you’ll get better returns and stronger cash flow on every loan. Plus, get up to 90/100 financing for experienced investors (3+ SREOs) and 90% LTC options for qualified builders. Whether you’re building or buying, this special helps your money go further.
Skip the wait: No appraisals on loans under $1MM (just internal photos). That means faster approvals, quicker draws, and more deals done before year-end.
From Ground-Up Construction for first-time builders (with vetted contractors) to free appraisals for new DSCR borrowers, this offer expands what’s possible. More flexibility, lower upfront costs, and more ways to grow your portfolio.
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 thousands of 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.
Get In Touch
Interested in working together? Fill out some info and we will be in touch shortly! We can’t wait to hear from you!
Please note: This is not a loan application. To submit a loan application, click here.
Rain City Capital currently lends in Alabama, Arkansas, Arizona, Colorado, Connecticut, Florida, Georgia, Idaho, Indiana, Kansas (Kansas City Only), Missouri, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, Washington, and Wisconsin. (Rain City Capital of Oregon NMLS #136679)