Easy Street Capital for Idaho 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.
Idaho context
Idaho high-growth state, especially Boise area. DSCR economics tightened after 2020-22 appreciation. Coeur d'Alene STR active.
How Easy Street Capital positions in Idaho
The Idaho lender pool for DSCR includes Easy Street Capital among the active platforms. Idaho top metros (Boise, Idaho Falls, Coeur d'Alene) see meaningful Easy Street Capital loan volume.
City-level coverage in Idaho
Easy Street Capital provides DSCR coverage across Idaho metros including Boise, Idaho Falls, and Coeur d'Alene. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Easy Street Capital program terms apply uniformly across Idaho 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 |
| Idaho property tax | 0.7% |
| Idaho state income tax | 5.8% |
Easy Street Capital strengths in Idaho
- 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 Idaho. Easy Street Capital is based in Austin, TX and operates nationally.
Boise is the top investor market in Idaho and falls within Easy Street Capital national coverage. Boise property tax follows the Idaho state rate of 0.7 percent. Easy Street Capital typically underwrites Boise acquisitions at standard rate sheets.
Yes. Idaho Falls ranks among the larger Idaho investor metros and sees consistent DSCR loan volume from Easy Street Capital. Submarket variation within Idaho Falls matters for property selection.
Easy Street Capital applies the same rate sheet across Idaho metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Boise, Idaho Falls, and Coeur d'Alene 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.
Idaho high-growth state, especially Boise area. DSCR economics tightened after 2020-22 appreciation. Coeur d'Alene STR active. Easy Street Capital follows standard business-purpose loan structures.
Easy Street Capital funds fix-and-flip, BRRRR, rental, bridge, STR-friendly DSCR in Idaho.
Idaho 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 Idaho 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.