Easy Street Capital for New York 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.
New York context
New York City DSCR rarely pencils. Upstate metros (Buffalo, Rochester, Syracuse) produce strong cash flow. NYC strict rent stabilization.
How Easy Street Capital positions in New York
New York 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 New York
Easy Street Capital provides DSCR coverage across New York metros including New York City, Buffalo, and Rochester. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Easy Street Capital program terms apply uniformly across New York 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 |
| New York property tax | 1.7% |
| New York state income tax | 10.9% |
Easy Street Capital strengths in New York
- 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 New York. Easy Street Capital is based in Austin, TX and operates nationally.
New York City is the top investor market in New York and falls within Easy Street Capital national coverage. New York City property tax follows the New York state rate of 1.7 percent. Easy Street Capital typically underwrites New York City acquisitions at standard rate sheets.
Yes. Buffalo ranks among the larger New York investor metros and sees consistent DSCR loan volume from Easy Street Capital. Submarket variation within Buffalo matters for property selection.
Easy Street Capital applies the same rate sheet across New York metros. Pricing variation comes from property-specific factors rather than metro location within the same state. New York City, Buffalo, and Rochester 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.
New York City DSCR rarely pencils. Upstate metros (Buffalo, Rochester, Syracuse) produce strong cash flow. NYC strict rent stabilization. Easy Street Capital follows standard business-purpose loan structures.
Easy Street Capital funds fix-and-flip, BRRRR, rental, bridge, STR-friendly DSCR in New York.
New York has some restrictions on prepayment penalty structures; Easy Street Capital typically uses 3-5 year step down.
Easy Street Capital typical close: 7-14 days typical.
Bottom line
New York investors considering Easy Street Capital should verify current rate sheets directly and confirm specific submarket coverage.
Independent directory listing. DSCR Loan Program is not affiliated with Easy Street Capital.