Rain City Capital

Rain City Capital Helping real estate investors do more with hard money

Rain City Capital is a leading bridge financing company that serves real estate investors and professionals in Washington State. We help investors acquire residential properties at the foreclosure auction, from financial institutions, at wholesale, or through traditional channels. We offer flexible loans and work diligently with borrowers to facilitate both simple and complex real estate transactions. We are proud to offer excellent customer service and we are always there to help borrowers accomplish all stages of their real estate investment.

09/11/2026

We're STILL talking about it!

Last month, BYRET brought together investors, lenders, wholesalers, agents, and real estate professionals from across the Seattle region for an evening of networking, collaboration, and insight at Paseo S**o.

A special thank you to Vayna Jerabek for sharing her perspective on today's wholesaling landscape and strategies for finding off-market opportunities in a competitive market.

The biggest takeaway? Great things happen when the right people get in a room together.

Here's a quick look back at a great night.

And we're expanding! BYRET (Building Your Real Estate Team) is heading to Houston and Charlotte soon, bringing the community to even more markets. We'll see you there!

"Barbara, Grant and the entire team have been absolutely amazing!"Reviews like this hit different when it's loan number ...
09/10/2026

"Barbara, Grant and the entire team have been absolutely amazing!"

Reviews like this hit different when it's loan number three, not loan number one. Jose's been back with Team Grant three times now, and that says everything about how this team treats repeat borrowers.

Great terms get you in the door. Responsiveness and ease keep you coming back. Grant and his team know that better than anyone.

Ready for a lending team you'll want to work with again and again? Visit our website to get started: www.raincitycapital.com

09/09/2026

Two years. $10,000 to $15,000 in legal fees. That's what one investor's silence cost them.

Unfortunately, we've seen it before. Recently, when a deal started going sideways for a borrower, instead of picking up the phone, they went quiet. By the time anyone was talking again, most of the good options were off the table. The loan spent close to two years winding through the legal process before landing on an outcome that could have been settled a lot sooner, for a lot less.

Most people don't think this way, but a missed payment is a conversation starter. Repayment plans, forbearance, loan modifications, short sales, deed-in-lieu. Lenders have a lot of options to support borrowers in a struggling deal. They just require you to show up before the situation gets decided for you.

Timing is key. The investors who come out fine on a bad deal all do the same thing early: they call.

At Rain City Capital, our mission is Real and Lasting Mutual Success. That means we want you to win, and that means when your deal starts to go sideways (and it eventually happens to us all), we're here to help.

Learn more: https://www.raincitycapital.com/about

09/08/2026

No appraisal. No waiting around.

When timing matters, every day counts.

For eligible loans, Rain City Capital can use our internal valuation process instead of requiring a traditional appraisal, helping qualified investors close in as little as 5 days.

Whether you're purchasing, refinancing, or need capital to keep a project moving, speed can make all the difference.

Learn more about our lending solutions today: www.raincitycapital.com

Disclaimer: Internal valuation may be used in place of an appraisal for qualified loans. Subject to underwriting approval, property eligibility, and lending requirements. Terms and conditions apply. Not all borrowers or properties will qualify.

09/04/2026

How about an inspiring message about appreciating the journey? No? Well, it was a decent effort.

Many new investors focus on finding the lowest rate on every deal. Experienced investors focus on something else entirel...
09/03/2026

Many new investors focus on finding the lowest rate on every deal. Experienced investors focus on something else entirely: reducing friction.

Every time you switch lenders, you're starting from zero. New application. New underwriting team. New process. New relationship.

Over time, that hidden cost can become more expensive than the rate savings you're chasing.

Strong lending relationships create value that compounds:
✅ Faster underwriting
✅ Less back-and-forth
✅ Better context around your projects
✅ More predictable closings
✅ Guidance tailored to your investing strategy

Still, loyalty only makes sense when it's earned. A lender should create more value as the relationship develops, not less.

Whether you're working with your current lender or evaluating a new one, it's worth asking a simple question: Is this relationship becoming more valuable with each transaction?

The most successful investors optimize for efficiency, not convenience.

Full breakdown on our blog: https://bit.ly/4x61sDy

08/28/2026

Everyone knows who's keeping this train on the tracks...

"I truly appreciate their professionalism, responsiveness, and dedication throughout the process."Reviews like this neve...
08/27/2026

"I truly appreciate their professionalism, responsiveness, and dedication throughout the process."

Reviews like this never get old. A huge thank you for the kind words about Michele and Josh. We'd tell them to be humble, but honestly, they earned this one.

Behind every on-time closing is a team working hard to make sure borrowers always know what's happening, what comes next, and when to expect it.

Ready for a lending team that keeps things simple? Visit our website to get started.

🔗 www.raincitycapital.com

The refinance is where a BRRRR strategy either accelerates… or stalls.Most investors spend a lot of time analyzing the p...
08/27/2026

The refinance is where a BRRRR strategy either accelerates… or stalls.

Most investors spend a lot of time analyzing the purchase price, reno budget, and ARV. And they should.

But experienced BRRRR investors are also asking a different question: "How much capital can I pull back out?"

Because that's the number that determines whether you can move on to the next property.

One thing we see often is that investors think of financing as two separate events: The acquisition loan and the refinance. In reality, the best results usually come when they're planned together from the beginning.

That's why Rain City offers both the initial bridge loan and the DSCR refinance. Having one lending partner throughout the process can create a smoother transition, fewer surprises, and a financing strategy that's built around your long-term growth goals.

If you're evaluating a BRRRR opportunity, don't just run the purchase numbers. Run the refinance numbers too.

Read the full guide here: https://bit.ly/4gUYPzy

We're honored to be ranked # 1,188 on the 2026 Inc. 5000 List, with 295% three-year growth, earning: # 96 in Financial...
08/25/2026

We're honored to be ranked # 1,188 on the 2026 Inc. 5000 List, with 295% three-year growth, earning:

# 96 in Financial Services
# 17 in Seattle
# 21 in Washington State

This recognition marks our sixth appearance on the Inc. 5000 list and our strongest ranking since 2017.

Growth like this doesn't happen overnight. It's built one relationship, one loan, and one successful project at a time.

We're grateful to the borrowers, brokers, investors, and team members who continue to trust Rain City Capital and help drive real and lasting mutual success.

Thank you for being part of the journey. We're proud of this milestone, and we're just getting started.

Address

12131 113th Avenue NE Ste 201
Kirkland, WA
98034

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 4pm

Telephone

(425) 434-9009

Website

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