Overview
Easy Street Capital has one of the more flexible non-QM platforms in the market, with particular strength in short-term rental DSCR underwriting (counting projected nightly revenue rather than long-term lease income). Excludes North Dakota, South Dakota, Minnesota, Nevada, and New York; offers same-day term sheets.
Easy Street Capital is based in Austin, TX and was founded in 2018. They operate nationally and offer fix-and-flip, BRRRR, rental, bridge, STR-friendly DSCR financing. Their loan amount range runs from $75K to $2.0M.
Key terms at a glance
| Loan type | Hard money / non-QM institutional |
|---|---|
| Products | fix-and-flip, BRRRR, rental, bridge, STR-friendly DSCR |
| Geographic coverage | National |
| Loan size | $75K – $2.0M |
| Interest rate range | 5.75% – 11.5% |
| Origination points | 1 – 3 |
| Minimum credit score | 640 |
| Max LTV | 80% of ARV |
| Max LTC | 90% of cost |
| Term lengths | 12-18 months (hard money) / 30-year (rental) |
| Typical close time | 7-14 days typical |
Strengths
- STR-DSCR program with projected income underwriting
- fast tech-driven origination
- experienced borrower programs
Ideal borrower
Investor with STR or BRRRR focus needing flexible underwriting
How Easy Street Capital compares
As an institutional non-QM lender, Easy Street Capital's underwriting is templated and predictable. That is fast for a borrower who fits the box and inflexible for one who does not.
Coverage is the constraint most investors hit first. Easy Street Capital serves National, and lender licensing changes often enough that it is worth confirming your state before you get far into a file. Our state-by-state pages for Easy Street Capital cover the rules that differ by state — prepayment penalties, entity vesting and foreclosure mechanics.
Other lenders investors compare against
- The full lender directory — every lender we track, with terms side by side
- How DSCR qualification works — the ratio every one of these lenders underwrites to
- DSCR calculator — check coverage before you apply anywhere
Easy Street Capital FAQ
Easy Street Capital is based in Austin, TX and serves National. Coverage changes as licensing changes, so confirm your state directly with the lender before relying on it.
Easy Street Capital's indicative rate range is 5.75%–11.5% with 1–3 points. Pricing depends on credit, leverage, coverage ratio and experience, and moves with the market.
Easy Street Capital's typical minimum loan is $75K, with maximum loan size up to $2.0M.
Easy Street Capital's typical close timeline is 7-14 days typical. Fast-close depends on documentation quality, title clarity, and underwriting load.
Easy Street Capital offers fix-and-flip, BRRRR, rental, bridge, STR-friendly DSCR financing. They also do DSCR rental refinance, which makes them a one-stop shop for BRRRR strategies.
Investor with STR or BRRRR focus needing flexible underwriting
This review is an independent directory listing. DSCR Loan Program is not affiliated with Easy Street Capital, receives no payment for placement, and does not rank lenders in exchange for compensation. Rates, terms, and eligibility are determined by the lender and subject to change. Always verify current pricing directly with the lender before relying on any specifics.