Easy Street Capital for Tennessee 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.
Tennessee context
Tennessee no state income tax. Memphis among deepest cash flow markets. Nashville STR contested. Smoky Mountains STR (Pigeon Forge, Gatlinburg) major market.
How Easy Street Capital positions in Tennessee
For Tennessee specifically, Easy Street Capital fits investors who match the hard money approach. The medium cash flow profile of Tennessee aggregate makes it workable for Easy Street Capital.
City-level coverage in Tennessee
Easy Street Capital provides DSCR coverage across Tennessee metros including Nashville, Memphis, and Knoxville. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Easy Street Capital program terms apply uniformly across Tennessee 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 |
| Tennessee property tax | 0.7% |
| Tennessee state income tax | None |
Easy Street Capital strengths in Tennessee
- 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 Tennessee. Easy Street Capital is based in Austin, TX and operates nationally.
Nashville is the top investor market in Tennessee and falls within Easy Street Capital national coverage. Nashville property tax follows the Tennessee state rate of 0.7 percent. Easy Street Capital typically underwrites Nashville acquisitions at standard rate sheets.
Yes. Memphis ranks among the larger Tennessee investor metros and sees consistent DSCR loan volume from Easy Street Capital. Submarket variation within Memphis matters for property selection.
Easy Street Capital applies the same rate sheet across Tennessee metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Nashville, Memphis, and Knoxville 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.
Tennessee no state income tax. Memphis among deepest cash flow markets. Nashville STR contested. Smoky Mountains STR (Pigeon Forge, Gatlinburg) major market. Easy Street Capital follows standard business-purpose loan structures.
Easy Street Capital funds fix-and-flip, BRRRR, rental, bridge, STR-friendly DSCR in Tennessee.
Tennessee 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
Tennessee 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.