Direct Lender for Residential Investors
Bridge | Fix & Flip | 30-Year Rental | Ground-Up Construction
Easy Street Capital is 100% committed to earning the borrower’s trust and confidence. We underwrite your deal within 24 hours and the terms that we issue are the same terms we fund. We can fund in 2 days, and will consider waiving appraisals. We’re based in California and Texas with boots on the ground in each metro area. We have firsthand local knowledge to help add value to your project.
Please Note: We do not offer loans for land, commercial properties or owner-occupied homes.
Property Geographic Area Details
Loan Amounts
Interest Rates
Loan Terms
Origination Fees
Lien Position
Property Types
- 2-4 Units Residential
- Single Family Residence
Loan Types
- Private Money
- Hard Money
- Residential Bridge
- Residential Fix and Flip
- Residential Rehab and Rent
- Residential Ground-Up Construction
- Residential Long-Term Rental
Specialty Loan Types
- Residential Long-Term Rental
Max Loan-to-Purchase Price
90%Borrower Must Have Property Under Contract
noWill Provide Proof of Funds Letter
yesWill Consider Lending on Purchase from Auction
yesAllowed Source of Borrower’s Equity
- Own Cash
- Equity in Subject Property
- Equity in Another Investment Property
Experience Required
yesMinimum Number of Value-Add Projects Completed by Borrower
1Will Provide Funds for Renovation Costs
yesMax LTC for Renovation Costs
90%Interest Charged for Renovation Costs
Entire Amount of Total Project CostsTypical Number of Days for Funds Draw
3Maximum After Repair Value
70.00%Development Experience Required
yesMinimum Number of Ground-Up Construction Projects Completed by Borrower
1Max LTC for Ground-Up Construction Costs
75%Interest Charged for Construction Costs
Only on Funds DrawnWill Lend on Partially Completed Construction Projects
yesMinimum Loan Amount
$150,000Maximum Loan Amount
$2,000,000Minimum Interest Rate
6.5%Maximum Interest Rate
8.75%Minimum Origination Fee
1.5%Maximum Origination Fee
3%Minimum Loan Term
36 monthsMaximum Loan Term
360 monthsSeasoning Time
6 monthsMinimum Debt Service Coverage Ratio
1.15Will Lend on a Portfolio of Rentals
NoMinimum Property Value
$200,000Processing Fee
A set $1,495 document and processing fee covers all lender underwriting and closing costs.
Minimum Origination Fee Amount
$2,000
Easy Street Capital Testimonials
"Easy, efficient, and perfect for flippers! We love doing business with the company and are completing our third flip in 9 months! Thank you! Thank you! Looking forward to doing business on the next one."
Catherine C.
Google Reviews
"Well done! When my initial lender asked for an extension 3 days before closing the Easy Street team stepped in and saved the day! I appreciate their ability to close quickly and get the deal done."
Brandon R.
Google Reviews
"Easy Street has been very easy to work with. We appreciate the communication and quick responses. They really do understand that time is of the essence in real estate. The entire process was a breeze and we look forward to continue working with them!"
Christopher C.
Google Reviews
"Easy Street was flexible enough to work around some extension issues due to some unseen hurdles in my house flip. Eternally grateful to Easy Street for making things as smooth as possible. Would definitely recommend them to anyone getting started in house flipping."
Angel C.
Google Reviews
"In a market that is full of hard money lenders, we made the best choice in using Easy Street. Closed my deal on time and they didn’t ask me to bring my “first born”. It was easy and it allowed me to start my business and keep more of my profit!!! Easy Street is the best in the business! Straight forward & easy!!"
Mike N.
Google Reviews
"I was able to obtain a loan from Easy Street to invest in purchasing a house in TX for fixing up & flipping. Easy Street is one of the best lenders I have dealt with and they are genuinely interested in assisting the investor to be successful with whatever your project is. I would highly recommend them to anyone who needs funds for investment in real estate."
Judson G.
Google Reviews
"Easy Street is great for investors needing to close fast at competitive hard money rates. They have much less red tape to approve and the numbers make sense. This really made it possible for us to move fast and get the deal done."
Mirelle L.
Google Reviews
"I have had a good experience with Easy Street Capital. I was able to close my deal quickly with very timely underwriting. The company should be able to close very quickly if you need a quick close. The rehab draws I requested were reviewed and issued quickly as well (basically next day or two). The communication and all processes of the loan have been simple throughout my time working with them."
Ross C.
Google Reviews
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Stay Informed About Private Lending

Easy Street Capital is a direct lender headquartered in Texas, with offices in California and Washington. The three partners have extensive residential investment experience and have previously flipped over 2,000 residential properties. Easy Street differentiates itself from other lenders by handling all underwriting and due diligence in house, and can fund in as little as 2 days.
Office Locations
Easy Street Capital - Austin201 W 5th St, Austin, Texas 78701
Easy Street Capital - Irvine
19900 MacArthur Blvd, Irvine, California 92612
Our Team
Stephen Hagerman
President
Casey Denton
Partner
Scott Townes
Partner
CA DRE Broker License - 01982219
NMLS ID - 1726407
Get In Touch
Stay Informed About Private Lending

Our Minimum Loan Amount Is
$50,000
What We Do
- Investment Lending in CA & TX
- Residential & Multifamily Properties
- Bridge, Fix & Flip, Construction, Long-Term
- Up to 90% LTP & LTC
- 10%+ Cash Required for Total Costs
Not Available
- NO 100% Financing
- NO Owner-Occupied Homes
- NO First-Time Investors
- NO Land Loans
- NO Rural Properties
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