LAKE CHARLES, LA. — Raintree Investment Corp. Thirteen has borrowed a $4.53 million refinance loan for its 172-unit Whispering Pines Apartments in Lake Charles. The loan carries a 6.25 percent interest rate and a 40-year amortization. With the loan, Raintree made $90,000 worth of upgrades to the 127,680-square-foot property. Love Funding secured the HUD loan.