Easy Street Capital for Georgia investors
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.
Georgia context
Georgia strong Sunbelt growth. Atlanta dominant DSCR market. Savannah historic district STR active. Strong investor-friendly state laws.
How Easy Street Capital positions in Georgia
Georgia is well covered by national DSCR lenders, with Easy Street Capital as one option. Where Easy Street Capital differentiates: STR-DSCR program with projected income underwriting. Where it competes: rates 5.75 to 11.5 percent against peer programs.
City-level coverage in Georgia
Easy Street Capital provides DSCR coverage across Georgia metros including Atlanta, Savannah, and Augusta. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Easy Street Capital program terms apply uniformly across Georgia metros; the specific deal characteristics determine final pricing.
Terms and pricing
| Loan type | DSCR non-QM institutional |
|---|---|
| Products | fix-and-flip, BRRRR, rental, bridge, STR-friendly DSCR |
| Loan size | $75K - $2.0M |
| Rates | 5.75%-11.5% |
| Points | 1 - 3 |
| Max LTV | 80% of ARV |
| Term lengths | 12-18 months (hard money) / 30-year (rental) |
| Typical close time | 7-14 days typical |
| Georgia property tax | 1% |
| Georgia state income tax | 5.4% |
Easy Street Capital strengths in Georgia
- 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
FAQ
Yes, operates nationally including Georgia. Easy Street Capital is based in Austin, TX and operates nationally.
Atlanta is the top investor market in Georgia and falls within Easy Street Capital national coverage. Atlanta property tax follows the Georgia state rate of 1 percent. Easy Street Capital typically underwrites Atlanta acquisitions at standard rate sheets.
Yes. Savannah ranks among the larger Georgia investor metros and sees consistent DSCR loan volume from Easy Street Capital. Submarket variation within Savannah matters for property selection.
Easy Street Capital applies the same rate sheet across Georgia metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Atlanta, Savannah, and Augusta all qualify for the same Easy Street Capital program.
Easy Street Capital indicative DSCR rate range is 5.75 to 11.5 percent with 1 to 3 points.
Georgia strong Sunbelt growth. Atlanta dominant DSCR market. Savannah historic district STR active. Strong investor-friendly state laws. Easy Street Capital follows standard business-purpose loan structures.
Easy Street Capital funds fix-and-flip, BRRRR, rental, bridge, STR-friendly DSCR in Georgia.
Georgia allows standard DSCR prepay structures; Easy Street Capital typically uses 3-5 year step down.
Easy Street Capital typical close: 7-14 days typical.
Bottom line
For Georgia DSCR borrowers, Easy Street Capital is one option among many. Compare against 2-3 lender programs before committing.
Independent directory listing. DSCR Loan Program is not affiliated with Easy Street Capital.