Easy Street Capital for Ohio 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.
Ohio context
Ohio strongest cash flow markets in nation. Cleveland, Akron, Dayton, Youngstown all produce 0.7-1%+ rent-to-price ratios.
How Easy Street Capital positions in Ohio
The Ohio lender pool for DSCR includes Easy Street Capital among the active platforms. Ohio top metros (Columbus, Cleveland, Cincinnati) see meaningful Easy Street Capital loan volume.
City-level coverage in Ohio
Easy Street Capital provides DSCR coverage across Ohio metros including Columbus, Cleveland, and Cincinnati. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Easy Street Capital program terms apply uniformly across Ohio 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 |
| Ohio property tax | 1.6% |
| Ohio state income tax | 3.99% |
Easy Street Capital strengths in Ohio
- 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 Ohio. Easy Street Capital is based in Austin, TX and operates nationally.
Columbus is the top investor market in Ohio and falls within Easy Street Capital national coverage. Columbus property tax follows the Ohio state rate of 1.6 percent. Easy Street Capital typically underwrites Columbus acquisitions at standard rate sheets.
Yes. Cleveland ranks among the larger Ohio investor metros and sees consistent DSCR loan volume from Easy Street Capital. Submarket variation within Cleveland matters for property selection.
Easy Street Capital applies the same rate sheet across Ohio metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Columbus, Cleveland, and Cincinnati 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.
Ohio strongest cash flow markets in nation. Cleveland, Akron, Dayton, Youngstown all produce 0.7-1%+ rent-to-price ratios. Easy Street Capital follows standard business-purpose loan structures.
Easy Street Capital funds fix-and-flip, BRRRR, rental, bridge, STR-friendly DSCR in Ohio.
Ohio 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 Ohio 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.