Summary of published terms
- Loan types
- DSCR / rentalFix & flipHard money
- Channel
- Direct to investors
- Min FICO (lowest stated)
- Not published
- Max purchase LTV
- Not published
- Max cash-out LTV
- Not published
- Min DSCR
- Not published
- Loan size
- Not published
- Prepayment penalty
- Not published
- Arizona / Tennessee
- Lends in Arizona; Lends in Tennessee
- Short-term rentals
- —
- Foreign nationals
- —
- Coverage
- Lender's site lists the states it lends in, including Arizona and Tennessee.
Summary fields show the lender’s rental/DSCR program where it has one, otherwise its bridge program. Loan size spans all programs listed.
Terms from the lender’s marketing emails
Pulled from Rain City Capital’s own mass-marketing emails, each with the date it was published. Advertised rates are “starting at” floors unless marked as a range, not quotes. Anything not shown here was not published.
Recent (last 180 days)
| Term | Published value | As of |
|---|---|---|
| Max loan-to-cost | Up to 90% | August 4, 2026 |