Easy Street Capital: published loan terms
Easy Street Capital publishes terms for fix and flip, bridge, ground-up construction, DSCR rental and rental portfolio loans. Its fix-and-flip rates start at 8.9% and its DSCR rental rates at 5.75%, as advertised on its website on October 24, 2026.
Fix-and-flip terms
| Starting rate | Rates starting at 8.90% |
|---|---|
| Loan to purchase / cost | 100% Rehab | 90% Purchase; Up to 93% LTC |
| Rehab funded | 100% of renovation costs |
| Cap on after-repair value | Up to 75% ARV |
| Points | 0 Point Options (FAQ: 'Interest rates starting at 8.90%, 0-2 points, and a $1995 document fee.') |
| Term | 6-18 Months Interest Only with Extension Options |
| Minimum credit score | 600 |
| Experience | Not required |
On the calculator's example flip, with the loan sized the way the calculator sizes it ($244,000 over 6 months), interest alone at Easy Street Capital's advertised starting rate of 8.9% would be about $9,634, against $11,366 at the example's 10.5%. Your rate depends on experience, credit, loan size and the property; the starting rate is a floor, not a quote.
DSCR rental terms
| Starting rate | Rates starting at 5.75% |
|---|---|
| Purchase / rate-and-term LTV | Up to 80% LTV Acquisitions & Rate-Term Refinance |
| Cash-out LTV | Up to 75% LTV Cash-Out Refinance |
| Minimum DSCR | No Minimum DSCR |
| Minimum credit score | 640 |
| Loan size | $100K to $3.5M+ (Blanket Portfolio Up to $5M) |
| Terms | 30-Year Fixed Rate; Partial IO (10-Years) Available |
Where Easy Street Capital lends
We lend nationwide with a few exceptions (LA, MN, SD, ND, Baltimore, Chicago, Detroit). See map for details: Where We Lend
City exceptions it names: Baltimore, Chicago, Detroit.
Loan size
$75K (EasyFix) to $5M+ (EasyFix), as published.
Other details from its website
FAQ: 'No, we do not have prepayment penalties on Fix and Flip loans.' 'Usually no appraisal is required on EasyFix (most loans)'; in-house valuation; draws ~48 hours after inspection approval; typical down payment at least 10%. DSCR: 'Flexible Prepayment Options'; vacancy allowed on purchase; long/mid/short-term rentals.
Licensing disclosure
Easy Street Capital is a DBA licensed with California Department of Real Estate, BRE#: 02090209 and Easy Street Capital CA, LLC is licensed with the California DFPI, CFL#: 60DBO-97686. NMLS # 2167568. Arizona Mortgage License Number MB - 1035987. TX - 2167568. ID - MBL-2082167568. OR - 2167568. UT - 13276400.
Source
Read on 2026-10-24 from easystreetcap.com and its states page. The pages show no as-of date. Terms change often. Fix and Flip Loans is not affiliated with Easy Street Capital, and Easy Street Capital did not review this page.
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