Easy Street Capital for Virginia 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.
Virginia context
Virginia steady DSCR. Military presence supports demand (Norfolk, JBSA).
How Easy Street Capital positions in Virginia
Within Virginia, Easy Street Capital competes alongside other DSCR lenders. Easy Street Capital strengths: STR-DSCR program with projected income underwriting, fast tech-driven origination. The medium aggregate DSCR economics of Virginia create demand for Easy Street Capital programs in Virginia Beach and Richmond particularly.
City-level coverage in Virginia
Easy Street Capital provides DSCR coverage across Virginia metros including Virginia Beach, Richmond, and Norfolk. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Easy Street Capital program terms apply uniformly across Virginia 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 |
| Virginia property tax | 0.9% |
| Virginia state income tax | 5.75% |
Easy Street Capital strengths in Virginia
- 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 Virginia. Easy Street Capital is based in Austin, TX and operates nationally.
Virginia Beach is the top investor market in Virginia and falls within Easy Street Capital national coverage. Virginia Beach property tax follows the Virginia state rate of 0.9 percent. Easy Street Capital typically underwrites Virginia Beach acquisitions at standard rate sheets.
Yes. Richmond ranks among the larger Virginia investor metros and sees consistent DSCR loan volume from Easy Street Capital. Submarket variation within Richmond matters for property selection.
Easy Street Capital applies the same rate sheet across Virginia metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Virginia Beach, Richmond, and Norfolk 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.
Virginia steady DSCR. Military presence supports demand (Norfolk, JBSA). Easy Street Capital follows standard business-purpose loan structures.
Easy Street Capital funds fix-and-flip, BRRRR, rental, bridge, STR-friendly DSCR in Virginia.
Virginia 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 Virginia 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.