Easy Street Capital for Missouri 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.
Missouri context
Missouri strong Midwest cash flow. St. Louis and KC dominant. Branson STR market.
How Easy Street Capital positions in Missouri
Within Missouri, 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 Missouri create demand for Easy Street Capital programs in St. Louis and Kansas City particularly.
City-level coverage in Missouri
Easy Street Capital provides DSCR coverage across Missouri metros including St. Louis, Kansas City, and Springfield. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Easy Street Capital program terms apply uniformly across Missouri 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 |
| Missouri property tax | 1% |
| Missouri state income tax | 4.95% |
Easy Street Capital strengths in Missouri
- 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 Missouri. Easy Street Capital is based in Austin, TX and operates nationally.
St. Louis is the top investor market in Missouri and falls within Easy Street Capital national coverage. St. Louis property tax follows the Missouri state rate of 1 percent. Easy Street Capital typically underwrites St. Louis acquisitions at standard rate sheets.
Yes. Kansas City ranks among the larger Missouri investor metros and sees consistent DSCR loan volume from Easy Street Capital. Submarket variation within Kansas City matters for property selection.
Easy Street Capital applies the same rate sheet across Missouri metros. Pricing variation comes from property-specific factors rather than metro location within the same state. St. Louis, Kansas City, and Springfield 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.
Missouri strong Midwest cash flow. St. Louis and KC dominant. Branson STR market. Easy Street Capital follows standard business-purpose loan structures.
Easy Street Capital funds fix-and-flip, BRRRR, rental, bridge, STR-friendly DSCR in Missouri.
Missouri 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
Easy Street Capital in Missouri works for the right borrower-deal combination. Match the lender to your deal characteristics.
Independent directory listing. DSCR Loan Program is not affiliated with Easy Street Capital.