Easy Street Capital for Kansas 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.
Kansas context
Kansas strong cash flow.
How Easy Street Capital positions in Kansas
Within Kansas, Easy Street Capital competes alongside other DSCR lenders. Easy Street Capital strengths: STR-DSCR program with projected income underwriting, fast tech-driven origination. The high aggregate DSCR economics of Kansas create demand for Easy Street Capital programs in Wichita and Kansas City KS particularly.
City-level coverage in Kansas
Easy Street Capital provides DSCR coverage across Kansas metros including Wichita, Kansas City KS, and Topeka. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Easy Street Capital program terms apply uniformly across Kansas 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 |
| Kansas property tax | 1.5% |
| Kansas state income tax | 5.7% |
Easy Street Capital strengths in Kansas
- 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 Kansas. Easy Street Capital is based in Austin, TX and operates nationally.
Wichita is the top investor market in Kansas and falls within Easy Street Capital national coverage. Wichita property tax follows the Kansas state rate of 1.5 percent. Easy Street Capital typically underwrites Wichita acquisitions at standard rate sheets.
Yes. Kansas City KS ranks among the larger Kansas investor metros and sees consistent DSCR loan volume from Easy Street Capital. Submarket variation within Kansas City KS matters for property selection.
Easy Street Capital applies the same rate sheet across Kansas metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Wichita, Kansas City KS, and Topeka 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.
Kansas strong cash flow. Easy Street Capital follows standard business-purpose loan structures.
Easy Street Capital funds fix-and-flip, BRRRR, rental, bridge, STR-friendly DSCR in Kansas.
Kansas 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 Kansas 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.