Loan Officer · Hard Money & Investment Lending
Closing Fast. Every Time.
Your direct line to Rain City Capital — the Pacific Northwest's leading hard money lender. Fix & flip, DSCR, ground-up construction, BRRRR, and cross collateral strategies. Backed by $2B+ funded since 2009.
The Rain City Difference
Rain City Capital was built on a simple idea: put borrowers first. That means honest communication, smart decisions, and partnerships that outlast a single deal. I bring that philosophy to every conversation.
Loan Programs
Every program below is backed by Rain City Capital's 15+ years of hard money lending expertise — with rates, terms, and leverage built specifically for investors, not homeowners.
High-leverage capital for buy-renovate-resell projects. Up to 95% LTC with non-Dutch interest — you only pay on funds drawn, not the full commitment.
Qualify on rental income, not your personal tax returns. No income verification, no DTI requirements. Scale your portfolio without W2 hurdles.
Streamlined financing from lot acquisition through vertical construction. Higher leverage for new and seasoned builders on spec homes and small infill multifamily.
Buy, Rehab, Rent, Refinance, Repeat. I structure the full cycle — from the initial bridge loan through the DSCR cash-out refinance — to keep capital recycling and your portfolio growing.
Use the equity sitting idle across your portfolio to unlock larger loan amounts on your next acquisition. A powerful strategy for experienced investors ready to scale up.
Proud member of the Rain City Capital team — a lender founded in 2009 with $2B+ funded and a mission of Real and Lasting Mutual Success.
My Story
I became a loan officer because I was tired of watching good deals die at the hands of lenders who didn't understand the investor mindset. Long timelines, vague communication, last-minute surprises at the closing table — it wasn't acceptable. There's a better way to lend.
At Rain City Capital, I found a company that shares that belief. Founded in Seattle in 2009, Rain City was built on the idea of putting borrowers first — and since then has funded over $2 billion across 7,000+ transactions nationwide. We're not a quick-buck operation. We make decisions for the long term.
"Real means we tell it like it is — clear, honest communication so you can make confident decisions. Lasting means we make decisions for the long term, not just the next deal."
That philosophy is exactly how I operate. I work with investors on fix & flip, DSCR, ground-up construction, BRRRR strategies, and cross collateral situations. I speak your language — ARV, rehab draws, DSCR ratios. I don't need you to explain why your income looks the way it does on paper.
My rule is simple: straight answers, fast timelines, and closings you can count on. If a deal works, we move. If it doesn't, I'll tell you why — and often help you restructure it so it does.
Investor Resources
Market trends, lending strategy, and investor insights — written specifically for active real estate investors.
Build-to-rent is booming, the Midwest is the new value play, and SFR demand is structural. Here's where smart money is moving in 2026 — and which Rain City programs position you to act.
The conventional mortgage market was never built for investors. Here's a side-by-side breakdown of today's rate environment — and why DSCR financing is outperforming for rental portfolio growth.
Fix & flip financing, BRRRR deep dives, market-by-market analysis, and more. Check back regularly or reach out directly to talk strategy.
Ready to Move on a Deal?
Send me your deal summary and I'll respond with straight answers — usually same business day. No runaround, no bait-and-switch.
Apply directly at raincitycapital.com · Mention Joshua Randall as your loan officer
Rain City Capital, LLC · NMLS #2577725 · All loans are for non-owner-occupied, business-purpose properties only. Additional terms apply. Equal Housing Lender. Lending in 20+ states — contact for availability in your state.