Get the Capital You Need For Your Next Project
For Boston Investors!
Easy Street Capital is a private real estate lender headquartered in Austin, Texas, that is dedicated to helping real estate investors around the country achieve their goals. With an experienced team and innovative loan programs, we are the ideal financing partner for investors of all experience levels and specialties. Whether you’re fixing and flipping, financing a cash-flowing rental, or building ground-up, we have a solution to fit your needs. And we are excited to announce that we now service the Boston market as well, so Boston-based investors can now benefit from our wide range of financing options and expert guidance. With Easy Street Capital, you can feel confident that you have a partner who is committed to helping you succeed.
FIND THE RIGHT LOAN FOR YOU
Loan Programs for Every
Investment Strategy
Easy Street Capital has the perfect loan solution to meet your needs.
EasyFix
- Loan Amounts: $100K - $2M
- Rates: 8.90-10.90%
- Payment: Interest Only
- Points: 2.0%-3.0%
- $1,495 Doc Fee
- LTC: Up to 85%
- LTV: Up to 70%
- Term: 6-12 months (w/ extension options)
- Financing for purchase and renovation costs
- Quickest draw process in the industry
- Geography: Nationwide (except AZ, MN, NV, NY, SD, ND, OR)
- Property Types: Residential (SFR) and Multi-family (MFR) Up to 20-Units
- NO Appraisal Required: Save $695 and 30 days!
- NO Junk Fees
- NO Prepayment Penalty: Payoff the loan at anytime
- Credit Score: No minimum
EasyRent
- Loan Amounts: $100K - $3M (Blanket Portfolio Loans up to $5M)
- Rates: Starting at 7.000%
- Geography: Nationwide (except North and South Dakota)
- Property Types: Residential, Short-Term Rental / Vacation Rental, Mixed Use (commercial/residential, up to 3 commercial units)
- Occupancy: Long-Term or Short-Term Rentals, Vacancy OK (on Acquisitions), no operating history required on STRs
- Loan Structure: 30-Year Fixed Rate Mortgage Loans, 5-Year Prepayment Penalties, Partial IO (10-Years) Available, Entities (i.e. LLCs) and partners welcomed
- LTVs: Up to 80% (Acquisitions/Rate-Term Refi), 75% (Cash-Out)
- DTI: Not Applicable (We don’t require tax returns or evaluate your personal income or finances when evaluating your application)
- DSCR: 0.75x minimum
- Credit Score: 620 minimum
- Fees & Deposits:1-3% Closing Fee, Pass-Through Deposits $3,000 (1-4 Units) / $6,000 (Multifamily/Mixed Use)
EasyBuild
- Loan Size $75,000 - $2 Million Per Unit
- NO Prepayment Penalty
- 9-12 Month Term (w/ extension provisions)
- 11.9% Monthly Interest Only Payments
- Discounted pricing for repeat borrowers
- 3 Points
- $1495 Doc Fee
- Up to 85% Loan to Cost (LTC)
- Up to 65% Loan to Value (LTV)
- Geography: Nationwide (except AZ, MN, NV, NY, SD, OR, ND)
EasyFix
EasyRent
EasyBuild
Testimonials
What Our Clients Say
Fast
Simple
We’ve cut the underwriting red tape and simplified our lending process to avoid the headaches of traditional financing and allow investors to focus on closing their deal.
Reliable
We take pride in being highly transparent and responsive when crafting your loan. We fund all of our loans per the terms agreed upon by our borrowers. No last-minute changes. No surprises.
Testimonials
Fix and Flip FAQs
Real estate investors use hard money primarily for speed, higher leverage, and greater flexibility. Borrowers use Easy Street Capital for the reasons mentioned previously but also because of our relationship focus and reliability – capital you can count on!
Easy Street Capital prides itself on reliability. Our borrowers know that the terms we issue up front are the same terms at funding. Easy Street Capital will review your application and provide you with a loan term sheet within 24 hours. No appraisal! No junk fees! Easy Street Capital is truly an asset based lender.
We lend nationwide except for AZ, MN, NV, NY, SD, ND, OR and UT.
No, Easy Street Capital is an asset-based lender. This means we lend on the value of the asset, rather than the creditworthiness of the borrower.
Interest rates range from 8.9%-10.9%, 2-3 points, and a $1495 document fee.
Rental FAQs
You can put as little as 20% down and get a loan up to 80% of the price of the property. For multifamily properties (5-8 units) or mixed-use properties with commercial units, minimum cash down is 25%.
Yes – this is fully eligible for residential properties up to four units. We will use the market rent (as determined by the appraisal) to project cash flows for the property. Additionally, if planned to utilize the property as a short term or vacation rental, we can utilize projects from industry data providers to qualify the loan.
Yes, with no restrictions! We offer all of our programs to first-time investors and love to help people build their portfolio throughout their investing journey.
Yes – in fact we recommend borrowing through an LLC (however borrowing as an individual is OK in most states). We require a full guaranty for anyone who has more than 25% of ownership of the entity and allow up to four separate guarantors on each loan.
No – we do not use tax returns of income verification for qualification. We do not utilize a DTI (“Debt to Income”) ratio at all in our underwriting process.
New Construction FAQs
Real estate investors use hard money primarily for speed, higher leverage, and greater flexibility. Borrowers use Easy Street Capital for the reasons mentioned previously but also because of our relationship focus and reliability – capital you can count on!
We lend nationwide except for ND and SD.
Interest rates range from 7.9%-10.9%, 2-4 points, and a $1495 document fee.
Draw Requests FAQs
You will submit your draw request form with all supporting documents such as invoices and/or receipts to [email protected].
You are allowed to take as many draws as necessary but we would like to remind you there is a draw fee for each one to cover inspection costs.
The draw request form is part of the scope of work completed prior to closing. Additional supporting documents can be found here: https://hubs.ly/H0pt5b10
Josh Brandt
Request a Loan Quote
Recent Fundings
Real Investments. Real Results.
Fix and Flip
Cincinnati, OH
Loan Amount / $103,700
LTC / 85%
Construction Funding / $22,950
LTV / 75%
Loan Amount / $103,700
New borrower investing in first fix and flip in the greater Cincinnati area.
Fix and Flip
Miami, FL
Loan Amount / $103,700
LTC / 85%
Construction Funding / $22,950
LTV / 75%
Loan Amount / $103,700
New borrower investing in first fix and flip in the greater Cincinnati area.
Fix and Flip
East Point, GA
Loan Amount / $103,700
LTC / 85%
Construction Funding / $22,950
LTV / 75%
Loan Amount / $103,700
New borrower investing in first fix and flip in the greater Cincinnati area.
Stay in The Loop
Subscribe to our newsletter
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 Department of Financial Protection and Innovation, CFL#: 60DBO-97686. NMLS # 2167568. Arizona Mortgage License Number MB – 1035987. TX- 2167568. ID- MBL-2082167568. OR- 2167568.
© 2022 Easy Street Capital. All rights reserved. Privacy Policy