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Rain City Capital

Lender
4.7 stars
120 Reviews

Markets served


Arizona
Arkansas
Colorado
Florida
Georgia
Kansas
Missouri
North Carolina
Ohio
Oklahoma
Oregon
Tennessee
Texas
Washington
Wisconsin

Licenses


Company NMLS
#2577725
Additional info available at the NMLS consumer access website

Additional Licenses & Information

Arizona MB 1051866
OR NMLS ID 1366479, OR ML-5375

About us


Set apart by its seasoned team and creative loan programs, private money lender Rain City Capital partners closely with each borrower to ensure success. Since 2009, we've funded nearly $2 billion in loans for fix-and-flips, cash-flowing rentals, ground-up construction, and auction purchases for thousands of successful investors who choose to partner with us again and again. 

Specialties


Hard/Private/Non-QM

Fix & Flip
DSCR (long-term rental)
Ground Up & Land Dev. Loan
Rehab for Buy & Hold
Bridge Loan
Foreign National Loan
Refinance (investment)

Reviews (120)


4.7 stars
120 Reviews
4.7 stars
120 Reviews
0.0 star
0 Reviews

reviewer image
5.0 stars
|
a month ago
Reviewed by Rachel Bjelke
I’m an agent in OK and worked with Derek, he was absolutely wonderful. My client and I were recommended to him when the lender she chose stopped communicating- and he did not disappoint. Great and fast communication, quick turnaround to get us closed as well. Highly recommend
reviewer image
5.0 stars
|
2 months ago
Reviewed by abey worku
I had an excellent experience working with RainCity Capital, especially Michele and Josh. They made the entire loan process simple, stress-free, and easy to understand. Everything went smoothly, and we closed on time without any issues. I truly appreciate their professionalism, responsiveness, and dedication throughout the process. I would highly recommend RainCity Capital—especially Michele and Josh—to my family and friends, and I look forward to working with them again in the future. Thank you for making the experience such a positive one!
reviewer image
5.0 stars
|
4 months ago
Reviewed by Phillip Jackson
I’ve had a great experience working with Roberto as my lender. He is professional, responsive, and truly willing to help walk through deals to make sure the numbers work before moving forward. As a real estate investor, that level of support is extremely valuable. Roberto is also quick to address any issues that come up and works hard to keep things moving smoothly. I appreciate his communication, attention to detail, and commitment to helping get deals across the finish line. I would highly recommend Roberto to anyone looking for a knowledgeable and reliable lender.
reviewer image
5.0 stars
|
4 months ago
Reviewed by Alexander Ryabinin
Working with Zeb and the Rain City Capital team has been a great experience. Zeb has been knowledgeable, responsive, and always willing to answer my questions throughout the loan process. I especially appreciate how transparent he has been and the time he’s taken to explain different financing strategies. I highly recommend Zeb and Rain City Capital to anyone looking for an experienced and reliable lending team. Looking forward to working together on many more projects!
reviewer image
5.0 stars
|
4 months ago
Reviewed by Andrey Kibukevich
Zeb and Ryan and the whole team are awesome, They were able to get my loan closed within two weeks. Time and time again they come thru to the rescue. By far the best hard money lenders out there. Great rates, communication on point, Fast and easy and most importantly they deliver. I’ve done Multiple transactions with them and have referred business their way because I can trust them to get the job done in little time
reviewer image
5.0 stars
|
4 months ago
I’ve had an excellent experience working with Zeb Zillar at Rain City Capital. Zeb is professional, responsive, and truly understands the needs of real estate investors. Throughout the lending process, he communicated clearly, moved quickly, and made sure everything stayed on track from start to finish. As a house flipper and contractor, having a dependable hard money lender is extremely important, and Zeb has been a great partner to work with. His knowledge, transparency, and commitment to helping investors succeed set him apart. I highly recommend Zeb Zillar and Rain City Capital to anyone looking for reliable hard money financing for fix-and-flips, new construction, or investment properties
reviewer image
5.0 stars
|
5 months ago
Reviewed by Tiff Trader
Cameron was extremely helpful throughout the entire loan process. He was always responsive, patient, and took the time to explain everything clearly to me. I really appreciate all the support and effort he gave to help make the process smooth. I highly recommend him to anyone looking for a reliable and professional lender!
reviewer image
1.0 star
|
5 months ago
Reviewed by Atoofa
I got assigned to a lender named zeb as a first time homebuyer. We had our first call and I asked basic questions and made it clear i'm learning and still in the discovery process. It was difficult to communicate or ask questions as he got triggered easily and shut me down, rather than explaining. He made it clear if I have any questions, he's here, but when I asked further questions such as whether this lending company requires mortgage insurance for the life of the loan (as other lenders that I have spoken too, do not require it after 20% down) his response was "it seems you have more to learn than you made it seem on the phone. I wish you the best of luck." It may be a personal character issue with whom I was assigned too. The simple professional response could have been, let me explain this to you better. This is how our lending company works in terms of requirements. I've never had a professional lending company speak to me like that when asking questions. Requesting to work with another lender that I may potentially have a better experience with. In the meantime, the experience has started off poorly. Their phone line goes directly to voicemail as well. You can't reach anyone live.
reviewer image
5.0 stars
|
8 months ago
Reviewed by Candice Norman
Rain City Capital made our loan process completely painless. From start to finish, their team was responsive, professional, and easy to work with. Communication was clear, expectations were straightforward, and everything moved efficiently. We truly appreciate how smooth they made the entire experience and look forward to working with them again. Highly recommend!
reviewer image
5.0 stars
|
2 years ago
Reviewed by Bryan Gamez
I recently had the pleasure of working with William Guyett at Rain City Capital for a hard money loan on my latest property flip. From the outset, William made the entire process not only smooth but impressively quick, which is crucial in the fast-paced real estate investment world. What stood out to me was the simplicity and efficiency of the rehab draw process. Often, this can be a point of frustration due to complicated procedures and delays, but William ensured everything was straightforward and hassle-free. His professionalism, knowledge, and dedication to customer service significantly contributed to the success of my project. I truly appreciated the personal attention and guidance William provided throughout the loan process. It’s clear that he values his clients and goes above and beyond to meet their needs. If you’re looking for a reliable and supportive hard money lender, I highly recommend William Guyett and Rain City Capital for your next investment project. Working with him was a fantastic experience, and I look forward to future opportunities to collaborate again.
reviewer image
5.0 stars
|
a month ago
Reviewed by Rachel Bjelke
I’m an agent in OK and worked with Derek, he was absolutely wonderful. My client and I were recommended to him when the lender she chose stopped communicating- and he did not disappoint. Great and fast communication, quick turnaround to get us closed as well. Highly recommend
reviewer image
5.0 stars
|
2 months ago
Reviewed by abey worku
I had an excellent experience working with RainCity Capital, especially Michele and Josh. They made the entire loan process simple, stress-free, and easy to understand. Everything went smoothly, and we closed on time without any issues. I truly appreciate their professionalism, responsiveness, and dedication throughout the process. I would highly recommend RainCity Capital—especially Michele and Josh—to my family and friends, and I look forward to working with them again in the future. Thank you for making the experience such a positive one!
reviewer image
5.0 stars
|
4 months ago
Reviewed by Phillip Jackson
I’ve had a great experience working with Roberto as my lender. He is professional, responsive, and truly willing to help walk through deals to make sure the numbers work before moving forward. As a real estate investor, that level of support is extremely valuable. Roberto is also quick to address any issues that come up and works hard to keep things moving smoothly. I appreciate his communication, attention to detail, and commitment to helping get deals across the finish line. I would highly recommend Roberto to anyone looking for a knowledgeable and reliable lender.
reviewer image
5.0 stars
|
4 months ago
Reviewed by Alexander Ryabinin
Working with Zeb and the Rain City Capital team has been a great experience. Zeb has been knowledgeable, responsive, and always willing to answer my questions throughout the loan process. I especially appreciate how transparent he has been and the time he’s taken to explain different financing strategies. I highly recommend Zeb and Rain City Capital to anyone looking for an experienced and reliable lending team. Looking forward to working together on many more projects!
reviewer image
5.0 stars
|
4 months ago
Reviewed by Andrey Kibukevich
Zeb and Ryan and the whole team are awesome, They were able to get my loan closed within two weeks. Time and time again they come thru to the rescue. By far the best hard money lenders out there. Great rates, communication on point, Fast and easy and most importantly they deliver. I’ve done Multiple transactions with them and have referred business their way because I can trust them to get the job done in little time
reviewer image
5.0 stars
|
4 months ago
I’ve had an excellent experience working with Zeb Zillar at Rain City Capital. Zeb is professional, responsive, and truly understands the needs of real estate investors. Throughout the lending process, he communicated clearly, moved quickly, and made sure everything stayed on track from start to finish. As a house flipper and contractor, having a dependable hard money lender is extremely important, and Zeb has been a great partner to work with. His knowledge, transparency, and commitment to helping investors succeed set him apart. I highly recommend Zeb Zillar and Rain City Capital to anyone looking for reliable hard money financing for fix-and-flips, new construction, or investment properties
reviewer image
5.0 stars
|
5 months ago
Reviewed by Tiff Trader
Cameron was extremely helpful throughout the entire loan process. He was always responsive, patient, and took the time to explain everything clearly to me. I really appreciate all the support and effort he gave to help make the process smooth. I highly recommend him to anyone looking for a reliable and professional lender!
reviewer image
1.0 star
|
5 months ago
Reviewed by Atoofa
I got assigned to a lender named zeb as a first time homebuyer. We had our first call and I asked basic questions and made it clear i'm learning and still in the discovery process. It was difficult to communicate or ask questions as he got triggered easily and shut me down, rather than explaining. He made it clear if I have any questions, he's here, but when I asked further questions such as whether this lending company requires mortgage insurance for the life of the loan (as other lenders that I have spoken too, do not require it after 20% down) his response was "it seems you have more to learn than you made it seem on the phone. I wish you the best of luck." It may be a personal character issue with whom I was assigned too. The simple professional response could have been, let me explain this to you better. This is how our lending company works in terms of requirements. I've never had a professional lending company speak to me like that when asking questions. Requesting to work with another lender that I may potentially have a better experience with. In the meantime, the experience has started off poorly. Their phone line goes directly to voicemail as well. You can't reach anyone live.
reviewer image
5.0 stars
|
8 months ago
Reviewed by Candice Norman
Rain City Capital made our loan process completely painless. From start to finish, their team was responsive, professional, and easy to work with. Communication was clear, expectations were straightforward, and everything moved efficiently. We truly appreciate how smooth they made the entire experience and look forward to working with them again. Highly recommend!
reviewer image
5.0 stars
|
2 years ago
Reviewed by Bryan Gamez
I recently had the pleasure of working with William Guyett at Rain City Capital for a hard money loan on my latest property flip. From the outset, William made the entire process not only smooth but impressively quick, which is crucial in the fast-paced real estate investment world. What stood out to me was the simplicity and efficiency of the rehab draw process. Often, this can be a point of frustration due to complicated procedures and delays, but William ensured everything was straightforward and hassle-free. His professionalism, knowledge, and dedication to customer service significantly contributed to the success of my project. I truly appreciated the personal attention and guidance William provided throughout the loan process. It’s clear that he values his clients and goes above and beyond to meet their needs. If you’re looking for a reliable and supportive hard money lender, I highly recommend William Guyett and Rain City Capital for your next investment project. Working with him was a fantastic experience, and I look forward to future opportunities to collaborate again.

Our Team


Madeline Mohn