Easy Street Capital for Texas 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.
Texas context
Texas no state income tax. Property tax burden among highest in nation. Strong investor activity statewide. Houston no zoning unique. Hurricane consideration on Gulf Coast.
How Easy Street Capital positions in Texas
The Texas lender pool for DSCR includes Easy Street Capital among the active platforms. Texas top metros (Houston, Dallas-Fort Worth, Austin) see meaningful Easy Street Capital loan volume.
City-level coverage in Texas
Easy Street Capital provides DSCR coverage across Texas metros including Houston, Dallas-Fort Worth, and Austin. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Easy Street Capital program terms apply uniformly across Texas 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 |
| Texas property tax | 1.9% |
| Texas state income tax | None |
Easy Street Capital strengths in Texas
- 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 Texas. Easy Street Capital is based in Austin, TX and operates nationally.
Houston is the top investor market in Texas and falls within Easy Street Capital national coverage. Houston property tax follows the Texas state rate of 1.9 percent. Easy Street Capital typically underwrites Houston acquisitions at standard rate sheets.
Yes. Dallas-Fort Worth ranks among the larger Texas investor metros and sees consistent DSCR loan volume from Easy Street Capital. Submarket variation within Dallas-Fort Worth matters for property selection.
Easy Street Capital applies the same rate sheet across Texas metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Houston, Dallas-Fort Worth, and Austin 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.
Texas no state income tax. Property tax burden among highest in nation. Strong investor activity statewide. Houston no zoning unique. Hurricane consideration on Gulf Coast. Easy Street Capital follows standard business-purpose loan structures.
Easy Street Capital funds fix-and-flip, BRRRR, rental, bridge, STR-friendly DSCR in Texas.
Texas 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 Texas 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.