Lender profile
Easy Street Capital
hard money · Austin, TX · founded 2018
Verified Sep 17, 2026
Easy Street Capital underwrites short-term rentals using projected nightly income instead of a signed long-term lease, with coverage across 45 states. Loan sizes run $75,000 to $2,000,000 at up to 80% LTV / 90% LTC, with a 640 minimum credit score, and the same platform also handles the BRRRR rehab-to-rental path.
Published facts
Loan size
$75,000 – $2,000,000
Max LTV
80%
Max LTC
90%
Min credit score
640
States covered
45
Terms
12-18 months (hard money) / 30-year (rental)
Close time
7-14 days typical
Products
fix-and-flipBRRRRrentalbridgeSTR-friendly DSCR
Strengths
- STR-DSCR underwriting on projected nightly income, not a signed lease
- 45-state coverage
- 640 minimum credit score
- BRRRR-to-rental refinance path
Who this lender suits
A short-term rental investor who needs projected-income DSCR underwriting and at least a 640 credit score, in one of the 45 states Easy Street covers