Easy Street Capital

Detailed public program guidance with first-time, STR, entity, and prepayment flexibility.

Easy Street publishes a 640 credit floor, $100,000-$3.5 million standard loan range, up to 80% purchase/rate-term and 75% cash-out leverage, and 3-9 months of reserves.

93% current and rankable evidence3 published program variantsLast reviewed 2026-08-09Ranked #2 of 8 · 87.8/100

What this lender leads on

Categories where its published figures lead the researched set, computed from the fields below. Ties are shared.

Publishes a no-ratio DSCR path — Published (No-ratio path)

What drove this score

DSCR Accessibility Score 87.8/100 (model accessibility-1.0). Strongest: Minimum DSCR, Rate-and-term LTV, No-ratio path, First-time investors. Weakest: Purchase LTV, Maximum loan, Minimum credit score. An unpublished figure scores zero.

Official site Compare with other lenders

Where the evidence is incomplete

Fields below are reported exactly as published. Nothing is estimated, inferred, or filled in from a competitor.

2 not published

Critical gaps: None.

Qualification

Minimum DSCR: No published minimumVerifiedVerified 2026-08-09Easy Street CapitalThe current retail page publishes no minimum DSCR; leverage and pricing remain scenario-dependent.
No-ratio path: trueVerifiedVerified 2026-08-09Easy Street Capital
Minimum credit score: 640VerifiedVerified 2026-08-09Easy Street CapitalThe current product page supersedes the older 620-credit tear sheet.
First-time investors: trueVerifiedVerified 2026-08-09Easy Street Capital
Foreign nationals: trueVerifiedVerified 2026-08-09Easy Street CapitalAvailable when the borrowing entity is an LLC and at least 50% is owned by a U.S. citizen or green-card holder.

Leverage

Purchase LTV: 80%VerifiedVerified 2026-08-09Easy Street Capital
Rate-and-term LTV: 80%VerifiedVerified 2026-08-09Easy Street Capital
Cash-out LTV: 75%VerifiedVerified 2026-08-09Easy Street Capital
Minimum loan: $100,000VerifiedVerified 2026-08-09Easy Street CapitalCurrent retail minimum; blanket portfolios have a separate minimum.
Maximum loan: $3,500,000VerifiedVerified 2026-08-09Easy Street CapitalCurrent standard maximum; blanket portfolios may reach $5 million.
Reserves: 9 monthsVerifiedVerified 2026-08-09Easy Street CapitalThe published requirement is 3-9 months of PITIA. Nine months is stored as the conservative scoring value.
Seasoning: 90 daysVerifiedVerified 2026-08-09Easy Street CapitalCash-out may begin after three months with leverage restrictions; unrestricted treatment generally requires six months.

Eligibility

Property types: single-family, two-to-four, condo, short-term-rental, multifamilyVerifiedVerified 2026-08-09Easy Street Capital, Easy Street Capital
Short-term rentals: trueVerifiedVerified 2026-08-09Easy Street Capital
Entity or LLC title: trueVerifiedVerified 2026-08-09Easy Street Capital
States: 49 states including DCVerifiedVerified 2026-08-09Easy Street CapitalThe current EasyRent page states every state except North Dakota and South Dakota.

Structures

Fixed rate: trueVerifiedVerified 2026-08-09Easy Street Capital
Adjustable rate: trueVerifiedVerified 2026-08-09Easy Street Capital
Interest only: trueVerifiedVerified 2026-08-09Easy Street Capital
Prepayment terms: Five-year, shorter, flat, and no-penalty options subject to state restrictionsVerifiedVerified 2026-08-09Easy Street Capital

Pricing and process

A published starting rate is a marketing floor, not a quote, and is never used here to declare a pricing winner.

Published starting rate: 5.750%VerifiedVerified 2026-08-09Easy Street CapitalMarketing starting point reviewed August 9, 2026; excluded from comparative pricing.
Fees: No underwriting fee; refundable third-party deposit may applyVerifiedVerified 2026-08-09Easy Street Capital
Typical closing time: 30 daysVerifiedVerified 2026-08-09Easy Street CapitalThe lender states it can close in as little as 30 days; not a guarantee.
Rate lock period: Not publishedNot publishedVerified 2026-08-09Easy Street CapitalNo current value was found on the reviewed official sources.
Published process detail: trueVerifiedVerified 2026-08-09Easy Street Capital, Easy Street Capital

Published program variants

EasyRent

Current thirty-year rental product.

Minimum DSCR: No published minimumVerifiedVerified 2026-08-09Easy Street CapitalThe current page publishes no minimum DSCR.
Minimum credit score: 640VerifiedVerified 2026-08-09Easy Street Capital
Maximum LTV: 80%VerifiedVerified 2026-08-09Easy Street Capital
Interest only: trueVerifiedVerified 2026-08-09Easy Street Capital
Foreign nationals: trueVerifiedVerified 2026-08-09Easy Street CapitalForeign nationals may qualify when the borrowing LLC is at least 50% owned by a U.S. citizen or green-card holder.

No-minimum DSCR

Available only within published leverage and scenario restrictions.

Minimum DSCR: No published minimumVerifiedVerified 2026-08-09Easy Street Capital, Easy Street Capital
Minimum credit score: 640VerifiedVerified 2026-08-09Easy Street Capital
Maximum LTV: 70%VerifiedVerified 2026-08-09Easy Street Capital
Interest only: trueVerifiedVerified 2026-08-09Easy Street Capital
Foreign nationals: trueVerifiedVerified 2026-08-09Easy Street CapitalSubject to the published U.S.-ownership condition for the borrowing LLC.

Short-term rental

Uses AirDNA or property history under published rules.

Minimum DSCR: No published minimumVerifiedVerified 2026-08-09Easy Street CapitalThe current page publishes no minimum DSCR.
Minimum credit score: 640VerifiedVerified 2026-08-09Easy Street Capital
Maximum LTV: 80%VerifiedVerified 2026-08-09Easy Street Capital
Interest only: trueVerifiedVerified 2026-08-09Easy Street Capital
Foreign nationals: trueVerifiedVerified 2026-08-09Easy Street CapitalSubject to the published U.S.-ownership condition for the borrowing LLC.

Strength and trade-off

Strength

The most detailed publicly accessible program matrix in this research set.

Trade-off

Rate locks and normalized same-day pricing remain unpublished for the retail program.

These are editorial summaries of the published evidence above. They are not a ranking, a recommendation, or a statement that any lender is best for a given deal.

Sources

Documentation Checklist — Easy Street Capital (official program guide), accessed 2026-08-09
EasyRent — Easy Street Capital (official lender), accessed 2026-08-09
DSCR Cash-Out Refinance Guide — Easy Street Capital (official lender), accessed 2026-08-09
EasyRent Broker Tear Sheet — Easy Street Capital (official program guide), accessed 2026-08-09

Qualification

Minimum DSCR

No published minimumVerifiedVerified 2026-08-09Easy Street CapitalThe current retail page publishes no minimum DSCR; leverage and pricing remain scenario-dependent.

No-ratio path

trueVerifiedVerified 2026-08-09Easy Street Capital

Minimum credit score

640VerifiedVerified 2026-08-09Easy Street CapitalThe current product page supersedes the older 620-credit tear sheet.

First-time investors

trueVerifiedVerified 2026-08-09Easy Street Capital

Foreign nationals

trueVerifiedVerified 2026-08-09Easy Street CapitalAvailable when the borrowing entity is an LLC and at least 50% is owned by a U.S. citizen or green-card holder.

Leverage

Purchase LTV

80%VerifiedVerified 2026-08-09Easy Street Capital

Rate-and-term LTV

80%VerifiedVerified 2026-08-09Easy Street Capital

Cash-out LTV

75%VerifiedVerified 2026-08-09Easy Street Capital

Minimum loan

$100,000VerifiedVerified 2026-08-09Easy Street CapitalCurrent retail minimum; blanket portfolios have a separate minimum.

Maximum loan

$3,500,000VerifiedVerified 2026-08-09Easy Street CapitalCurrent standard maximum; blanket portfolios may reach $5 million.

Reserves

9 monthsVerifiedVerified 2026-08-09Easy Street CapitalThe published requirement is 3-9 months of PITIA. Nine months is stored as the conservative scoring value.

Seasoning

90 daysVerifiedVerified 2026-08-09Easy Street CapitalCash-out may begin after three months with leverage restrictions; unrestricted treatment generally requires six months.

Eligibility

Property types

single-family, two-to-four, condo, short-term-rental, multifamilyVerifiedVerified 2026-08-09Easy Street Capital, Easy Street Capital

Short-term rentals

trueVerifiedVerified 2026-08-09Easy Street Capital

Entity or LLC title

trueVerifiedVerified 2026-08-09Easy Street Capital

States

49 states including DCVerifiedVerified 2026-08-09Easy Street CapitalThe current EasyRent page states every state except North Dakota and South Dakota.

Structures

Fixed rate

trueVerifiedVerified 2026-08-09Easy Street Capital

Adjustable rate

trueVerifiedVerified 2026-08-09Easy Street Capital

Interest only

trueVerifiedVerified 2026-08-09Easy Street Capital

Prepayment terms

Five-year, shorter, flat, and no-penalty options subject to state restrictionsVerifiedVerified 2026-08-09Easy Street Capital

Pricing and process

A published starting rate is a marketing floor, not a quote, and is never used here to declare a pricing winner.

Published starting rate

5.750%VerifiedVerified 2026-08-09Easy Street CapitalMarketing starting point reviewed August 9, 2026; excluded from comparative pricing.

Fees

No underwriting fee; refundable third-party deposit may applyVerifiedVerified 2026-08-09Easy Street Capital

Typical closing time

30 daysVerifiedVerified 2026-08-09Easy Street CapitalThe lender states it can close in as little as 30 days; not a guarantee.

Rate lock period

Not publishedNot publishedVerified 2026-08-09Easy Street CapitalNo current value was found on the reviewed official sources.

Published process detail

trueVerifiedVerified 2026-08-09Easy Street Capital, Easy Street Capital

Published program variants

EasyRent

Current thirty-year rental product.

Minimum DSCR: No published minimumVerifiedVerified 2026-08-09Easy Street CapitalThe current page publishes no minimum DSCR.
Minimum credit score: 640VerifiedVerified 2026-08-09Easy Street Capital
Maximum LTV: 80%VerifiedVerified 2026-08-09Easy Street Capital
Interest only: trueVerifiedVerified 2026-08-09Easy Street Capital
Foreign nationals: trueVerifiedVerified 2026-08-09Easy Street CapitalForeign nationals may qualify when the borrowing LLC is at least 50% owned by a U.S. citizen or green-card holder.

No-minimum DSCR

Available only within published leverage and scenario restrictions.

Minimum DSCR: No published minimumVerifiedVerified 2026-08-09Easy Street Capital, Easy Street Capital
Minimum credit score: 640VerifiedVerified 2026-08-09Easy Street Capital
Maximum LTV: 70%VerifiedVerified 2026-08-09Easy Street Capital
Interest only: trueVerifiedVerified 2026-08-09Easy Street Capital
Foreign nationals: trueVerifiedVerified 2026-08-09Easy Street CapitalSubject to the published U.S.-ownership condition for the borrowing LLC.

Short-term rental

Uses AirDNA or property history under published rules.

Minimum DSCR: No published minimumVerifiedVerified 2026-08-09Easy Street CapitalThe current page publishes no minimum DSCR.
Minimum credit score: 640VerifiedVerified 2026-08-09Easy Street Capital
Maximum LTV: 80%VerifiedVerified 2026-08-09Easy Street Capital
Interest only: trueVerifiedVerified 2026-08-09Easy Street Capital
Foreign nationals: trueVerifiedVerified 2026-08-09Easy Street CapitalSubject to the published U.S.-ownership condition for the borrowing LLC.

Strength and trade-off

Strength

The most detailed publicly accessible program matrix in this research set.

Trade-off

Rate locks and normalized same-day pricing remain unpublished for the retail program.

These are editorial summaries of the published evidence above. They are not a ranking, a recommendation, or a statement that any lender is best for a given deal.

Sources

Documentation Checklist — Easy Street Capital (official program guide), accessed 2026-08-09

EasyRent — Easy Street Capital (official lender), accessed 2026-08-09

DSCR Cash-Out Refinance Guide — Easy Street Capital (official lender), accessed 2026-08-09

EasyRent Broker Tear Sheet — Easy Street Capital (official program guide), accessed 2026-08-09