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. Easy Street Capital is a hard money lender, founded in 2018, headquartered in Austin, TX, describing its footprint as "National".
For a rental investor, the products on file are fix-and-flip, BRRRR, rental, bridge, STR-friendly DSCR. On the deal itself, Easy Street Capital publishes loan sizes from $75,000 to $2,000,000 and leverage up to 80% LTV / 90% LTC.
No SEC filing establishes a corporate-ownership relationship for Easy Street Capital— the ordinary case for a privately held company with no public debt or equity outstanding, not a sign of anything irregular. Its published lending figures were last checked against a source it published on Sep 17, 2026.
Published facts
Loan size
$75,000 – $2,000,000
Max LTV
80%
Max LTC
90%
Min credit score
640
Rate range
5.75% – 11.5%
Points
1 – 3
States covered
45
Terms
12-18 months (hard money) / 30-year (rental)
Close time
7-14 days typical
Verification record
Reviewed Sep 25, 2026
⬜ No SEC filing to check against — Easy Street Capital is privately held and files nothing with the SEC under its own name, or no filing naming it was found. This is the expected, normal case for the large majority of lenders on this site, not a red flag.
Zero SEC full-text search hits for 'Easy Street Capital' in any filing form.
✅ Published criteria verified — Sep 17, 2026.
⬜ Regulatory complaint check — not yet run.
What Easy Street Capital has not published
Publishing lending criteria is optional, and plenty of good lenders choose not to put every figure in writing — so read this as a list of what to ask Easy Street Capital about, not as a criticism. Of the 11 criteria categories this directory tracks, Easy Street Capital has not published 3:
- Minimum DSCR (18 of 38 lenders here publish it)
- Origination channel (17 of 38 lenders here publish it)
- Entity / vesting requirement (3 of 38 lenders here publish it)
Products
- fix-and-flip — short-term financing for a purchase-renovate-resell project, sized against the finished value rather than the purchase price alone See the glossary entry.
- BRRRR — financing built for the buy-rehab-rent-refinance-repeat cycle — a short-term acquisition/rehab loan meant to be followed by a refinance into a long-term rental loan
- rental — a longer-term loan on a tenanted or rent-ready property, underwritten on the hold rather than the flip
- bridge — short-term financing meant to be replaced by a permanent loan once a condition — renovation, lease-up, sale — is met
- STR-friendly DSCR — DSCR underwriting that will qualify a short-term rental using projected nightly income instead of requiring a signed long-term lease See the glossary entry.
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
Deal scenarios Easy Street Capital clears
Easy Street Capital's published criteria clear 8 of the 119 deal scenarios this site tests — computed the same way every /loan-for/ page computes its own roster, from the stored fields above, not curated by hand. A scenario only counts here if its numeric rules actually narrowed the lender pool; scenarios that match on product tags alone are left out.
Credit and qualification (1)
Purpose and structure (4)
Rehab and construction (1)
Leverage and pricing (2)
How Easy Street Capital compares
Easy Street Capital is not among the 9 lenders this site runs head-to-head comparison pages for — that roster is chosen by brand-name search volume in Search Console, not by hand-picking who looks good next to whom. The full directory lets you set Easy Street Capital's published figures side by side with any other lender's profile directly. Open the directory.