Easy Street Capital for West 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.
West Virginia context
West Virginia deep cash flow market. Low entry prices.
How Easy Street Capital positions in West Virginia
Within West 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 high aggregate DSCR economics of West Virginia create demand for Easy Street Capital programs in Charleston and Morgantown particularly.
City-level coverage in West Virginia
Easy Street Capital provides DSCR coverage across West Virginia metros including Charleston, Morgantown, and Huntington. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Easy Street Capital program terms apply uniformly across West 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 |
| West Virginia property tax | 0.6% |
| West Virginia state income tax | 5.12% |
Easy Street Capital strengths in West 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 West Virginia. Easy Street Capital is based in Austin, TX and operates nationally.
Charleston is the top investor market in West Virginia and falls within Easy Street Capital national coverage. Charleston property tax follows the West Virginia state rate of 0.6 percent. Easy Street Capital typically underwrites Charleston acquisitions at standard rate sheets.
Yes. Morgantown ranks among the larger West Virginia investor metros and sees consistent DSCR loan volume from Easy Street Capital. Submarket variation within Morgantown matters for property selection.
Easy Street Capital applies the same rate sheet across West Virginia metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Charleston, Morgantown, and Huntington 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.
West Virginia deep cash flow market. Low entry prices. Easy Street Capital follows standard business-purpose loan structures.
Easy Street Capital funds fix-and-flip, BRRRR, rental, bridge, STR-friendly DSCR in West Virginia.
West 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
West Virginia 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.