Terms Update for Fix and Flip
Higher leverage, no-access funding, and more.
95% LTC - Experienced borrowers may qualify for 5% down payment.
No-access funding - We're funding deals even faster for qualifying borrowers without requiring access or an external opinion of value for qualifying borrowers.
Soft credit pulls - Our credit pulls no longer show on your credit report.
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Terms Overview and Eligibility
95% LTC Loan Program
Min. FICO: 700
Loan amount: $150,000-$500,000
Min. SREOs (Flips completed within 36 months): 8
12% Interest Rate
Can include 100% of construction costs
Non-Dutch Interest – you don’t pay interest on the construction funds until you draw them
Additional terms apply, all loans are for non owner-occupied properties only. Contact your loan officer for full details.
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.
Hard Money Made Easier
Why Rain City?
Close Fast
You need fast turnaround. Rain City gets it. We can approve fix and flip loans in a matter of hours and close in days.
Expert Review
We’ve been in the trenches, so we know what a good deal looks like. Let’s put that industry experience to work on your deal.
Personalized
We’re flexible. Tell us what you need and we’ll find creative solutions to help you achieve your investment goals.
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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 Arkansas, Kansas, Oklahoma, Oregon, Nebraska, Tennessee, Texas, and Washington. (Rain City Capital of Oregon NMLS #136679).