Easy Street Capital Review 2026: EasyRent DSCR Terms

At a glance

Easy Street Capital

Verified November 3, 2026

Loan amounts: $100,000 to $3.5 million per property; blanket loans up to $5 million

Lender type: Direct + broker
Min. credit score: 640 (median FICO)
Max LTV: 80% purchase and rate-term refi; 75% cash-out; rural capped at 65% to 70%
Terms: 30-year fixed; 10 years interest-only then 20-year amortization; 5-year hybrid ARM
Properties: 1 to 10 unit residential, mixed-use, condos, short-term rentals (STR program up to 4 units), rural
States: 48 states; not North Dakota or South Dakota

Public reviews

No public review data on file yet.

Where our review info comes from

Pros

EasyRent has no minimum DSCR, per its product page
Short-term rentals can qualify on AirDNA projections with no operating history
Publishes a 640 credit floor, 80% / 75% LTV caps and a $100,000 to $3.5 million range
Blanket loans up to $5 million for three or more rentals in one state

Cons

No origination or closing fee schedule published for EasyRent
Rural properties are capped at 65% or 70% LTV, and its pages disagree on which
Does not lend in North Dakota or South Dakota
No second-lien financing allowed, including for the down payment

Easy Street Capital (easystreetcap.com) is a private real estate lender headquartered in Austin, Texas. It runs three loan programs for investors: EasyFix for fix-and-flip and bridge loans, EasyBuild for new construction, and EasyRent for long-term rentals. EasyRent is its DSCR loan. Easy Street qualifies these loans on the property's income against the payment, with no income documents or debt-to-income ratio.

The EasyRent page says the loan has no minimum DSCR. Easy Street will qualify an Airbnb or VRBO purchase with no booking history, using appraisal rent or AirDNA's revenue projections. This page covers those terms, what Easy Street Capital reviews on Trustpilot and BiggerPockets say, and the company's regulatory record.

Easy Street Capital's EasyRent DSCR loan terms

Easy Street figures DSCR as monthly rent, or projected short-term rental income, divided by the full payment: principal, interest, taxes, insurance and HOA dues. The FAQ repeats that there is no minimum, and the page says your rate depends mostly on credit score, DSCR and LTV.

Terms on the EasyRent page, read November 3, 2026:

Term	What Easy Street publishes
Minimum DSCR	None
Credit score	640 median FICO; up to one bankruptcy, foreclosure or short sale in the past 7 years
Loan amount	$100,000 to $3.5 million per property
Blanket loans	Up to $5 million; 3+ properties, $225,000 minimum, all in one state
Max LTV	80% on purchases and rate-term refis; 75% cash-out; 65% on rural property
Structures	30-year fixed; 10 years interest-only then 20-year amortization; 5-year fixed hybrid ARM
Prepayment penalty	Usually 5-4-3-2-1; 3-2-1, 2-1, none, or a flat 5% for five years also offered
Property types	1 to 10 unit residential, condos, rural, long-, mid- and short-term rentals, vacant property
Reserves	Generally 3 to 9 months of payments in liquid assets
Borrower	LLCs, or individuals in most states; anyone owning over 25% signs a full guaranty
Closing	Same-day term sheet; closing "in as little as 30 days"

The property must be rent-ready; Easy Street sends properties that need work to EasyFix. It doesn't allow a second lien, including one that funds your down payment, and you can't live in the property. First-time investors are eligible. Foreign nationals qualify when a U.S. citizen or green card holder owns at least half of the borrowing LLC.

Easy Street doesn't publish ARM index, margin or caps, cash-out seasoning, or rate-lock terms.

How Easy Street underwrites Airbnb and VRBO rentals

Easy Street's short-term rental page lists these rules:

No booking history needed. For a property without 12 months of short-term rental history, income can come from the appraiser's long-term market rent or, in some cases, AirDNA projections or appraisal-based short- or mid-term rent.
Refinances need little history. You need a live listing and at least one completed booking, with no full year of operating history required.
Full AirDNA revenue for "Professional STR Investors." The page says most DSCR lenders discount AirDNA revenue by about 20%. Easy Street uses the full projection if you own three or more U.S. short-term rentals with 12+ months of activity each, or one with a year of history in the same market.
Rural and seasonal markets are eligible. The page puts the rural LTV cap at 70%. The EasyRent page says 65%. Ask which applies to your file.
Personal use is limited. You can stay in the property generally no more than 14 days a year.

The STR page says its short-term rental loans cover properties up to 4 units, while the EasyRent page lists short-term rentals among its 1 to 10 unit property types. Condos, including non-warrantable condos and condotels, appear on the STR page. Neither page covers local permit or zoning rules, so check your city's STR ordinance yourself.

EasyRent rates and fees

Easy Street advertises EasyRent rates "starting at 5.75%." The FAQ dates that figure to September 2025, and the page still showed it on November 3, 2026. Your quote will depend on your credit, DSCR, LTV, loan structure, prepay choice and loan purpose. Easy Street lists "0 point options" and lets you buy the rate down with points.

The EasyRent page doesn't list an origination fee, underwriting fee, appraisal cost or other closing costs. Ask for a full term sheet with every fee before you pay for an appraisal.

Easy Street Capital reviews

We couldn't open the review sites directly for this page. These figures come from search-result snapshots read November 3, 2026, and may not match the live pages.

Trustpilot (easystreetcap.com): 3.1 out of 5 from 11 reviews. Snippets show a 2025 reviewer who says a loan extension request went unanswered for two months, one-star reviews about over-promising and unexpected charges, and another reviewer praising speed and terms.
BiggerPockets: snapshots of BiggerPockets business pages listed under Easy Street's name disagree. One shows 4.6 stars from 187 reviews; another shows 4.9 from 64. The visible reviews are mostly five-star and often name a loan officer.

CrowdfundedWealth, a third-party review site, published a summary of complaints on May 11, 2026: communication breakdowns, lost non-refundable deposits, last-minute term changes, funding delays and problems after loan servicing moved to an outside servicer. Easy Street's homepage advertises in-house servicing.

Applying direct or through a mortgage broker

You can request a quote from Easy Street directly. In August 2026 it launched a borrower portal that shows your application, loan options, documents and deal status through closing.

Easy Street also runs a mortgage broker program covering all three loan programs. Brokers get "Standard" or "Enhanced" pricing depending on tier. Standard-tier loans close in Easy Street's name; Signature-tier loans close in a white-labeled name. The broker page doesn't publish broker compensation. If a broker brings you an EasyRent loan, ask who the lender is and where the broker's fee shows up on your settlement statement.

Easy Street Capital's size and funding

Easy Street says it funded 3,640 investment property loans totaling more than $1.28 billion in 2025, per an August 18, 2026 release. A June 2025 release reported a record $1.2 billion in 2024, up 20% from 2023. Neither release splits rental loans from flip and construction loans.

Easy Street closed a $175 million securitization of residential transition (flip and bridge) loans in June 2025 and a second $175 million deal on November 13, 2025, per its own releases. A June 8, 2026 post says it appears in Scotsman Guide's 2026 Top Private Lenders lists, including the DSCR list, without giving a rank.

Stephen Hagerman is president. Casey Denton and Scott Townes are senior partners. CrowdfundedWealth reports the company was founded in 2016 and is privately held. Easy Street's site doesn't state a founding year or name outside owners.

Licensing and regulatory record

Easy Street lists NMLS ID 2167568. Its California affiliate, Easy Street Capital CA, LLC, holds California Financing Law license 60DBO-97686, and the company lists a California real estate license (02090209) plus licenses in Arizona, Texas, Idaho, Oregon and Utah.

California's regulator lists one action. Easy Street Capital CA, LLC missed the March 15, 2020 deadline for its annual report, and the state summarily revoked two of its finance lender licenses on April 3, 2020. The company filed the report on May 5, 36 business days late. A May 6, 2020 consent order rescinded the revocation and set a $1,000 penalty.

We found no CFPB or state attorney general enforcement action naming Easy Street in web searches on November 3, 2026.

Rental deals EasyRent's terms cover

EasyRent's published terms cover rentals with a DSCR under 1.0, Airbnb and VRBO purchases with no booking history, 1 to 10 unit buildings, and portfolios of three or more rentals in one state up to $5 million. They don't cover property in North Dakota or South Dakota, property that needs renovation, a down payment funded with a second lien, or a home you'll live in.

Common questions about Easy Street Capital

Is Easy Street Capital legit?

Easy Street Capital is an Austin, Texas investor lender with NMLS ID 2167568. It says it funded 3,640 loans worth more than $1.28 billion in 2025. California fined its affiliate $1,000 in 2020 for a late annual report.

Does Easy Street Capital require a minimum DSCR?

No. The EasyRent page says it has no minimum DSCR. Your ratio still affects your rate.

What credit score does Easy Street Capital need for a DSCR loan?

A 640 median FICO, per the EasyRent page. It allows one bankruptcy, foreclosure or short sale in the past seven years.

Will Easy Street Capital finance an Airbnb with no rental history?

Yes. On a purchase, it can qualify the loan on appraisal-based rent or AirDNA projections. A refinance needs a live listing and one completed booking.

What states does Easy Street Capital lend in?

EasyRent lends in 48 states. It doesn't lend in North Dakota or South Dakota. Louisiana and Minnesota are eligible for EasyRent only, not the flip or construction programs.

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