Property Geographic Area Details

Non-rural areas in Texas, California, Denver, Nashville

Loan Amounts

$50,000 to $5,000,000

Interest Rates

8.75% to 13.50%

Max Loan-To-Value


Max Loan-To-Cost


Origination Fees

1.5% to 3%

Loan Terms

6 months to 12 months

Lien Position

  • 1st

Loan Purpose

  • Investment Acquisition
  • Investment Refinance
  • Improve Subject Property
  • Use Equity to Invest in Another Property
  • Invest in a Business
  • Business Working Capital
  • Value Add Project

Property Occupancy

  • Vacant
  • Tenant Occupied 100%
  • Tenant Occupied Partial
Minimum Occupancy Percentage


Property Types and Loan Types

Collateral Types

  • Residential Property

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

Details and Requirements

Fastest Closing Time (Days)


Works With

  • Brokers
  • Borrowers

Payment Structure

  • Interest Only

Pre Payment Penalty


Will lend to a foreign national


Will Allow Junior Position Mortgage(s) Behind Our Senior Mortgage


Will Consider Collateralizing Multiple Properties in One Loan


Will Consider Equity Joint Venture


Borrower Entity Types Considered

  • Individual(s)
  • LLC
  • Limited Partnership
  • Corporation
  • Non-Profit Corporation
  • Self-Directed IRA

Documentation Required

  • Credit Report
  • Bank Statements
  • Loan Application

Personal Guaranty (Recourse) Required


Credit Check Required


Minimum Credit Score Required


Credit Check Description

These are general guidelines and exceptions can be considered on a case by case basis with potential impact on rate and leverage levels.

Appraisal Required for Residential Property


Broker Price Opinion (BPO) Accepted for Residential Property



Processing Fee

A set $1,495 document and processing fee covers all lender underwriting and closing costs.

Minimum Origination Fee Amount


Legal Disclaimer

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 Business Oversight, CFL#: 60DBO-97686.


CA DRE Lic. 02090209, CFL 60DBO-97686

Company Size (Number of Employees)


Year Established


Office Locations

Easy Street Capital - Austin
201 W 5th St, Austin, Texas 78701

Easy Street Capital - Irvine
19900 MacArthur Blvd, Irvine, California 92612

Primary Capital Source

  • Own Funds
  • Debt Fund We Manage
  • Single Capital Partner

Alternative Capital Sources

  • Family Offices
  • Bank Credit Line

Loan Structure for Majority of Loans

  • Own Balance Sheet

Alternative Loan Structures

  • One Investor One Loan

Percentage of company’s lending business focused on private mortgage


Percentage of Loans Secured by Residential Property


Percentage of Residential Property Loans Which are Fix and Flip


Percentage of Residential Property Loans Which are Buy and Hold


Percentage of Residential Property Loans Which are Ground-Up Construction


Total Number of Loans Funded to Date


Total Loan Volume Funded to Date


2017 Number of Loans Funded


2017 Loan Volume Funded


2018 Number of Loans Funded


2018 Loan Volume Funded


2019 Number of Loans Funded


2019 Loan Volume Funded


Stephen Hagerman


Mr. Hagerman is the President and founder of Easy Street Capital. Mr. Hagerman’s efforts focus on capital sourcing, strategy, and overall economic performance of Easy Street Capital, LLC. Over the past 15 years Mr. Hagerman has created residential investment, brokerage, construction, and escrow companies that have completed transactions valued over $1 billion. Mr. Hagerman has acquired, renovated, and sold over 2,500 residential assets and established residential offices in markets throughout Texas, California, and Arizona.

Casey Denton


Mr. Denton is a Partner at Easy Street Capital. Mr. Denton’s primary responsibilities at Easy Street include origination, underwriting, and investor relations. Over the last 10 years Mr. Denton has been involved with the acquisition, renovation, and disposition of over 1,000 residential assets located in California and Texas. Mr. Denton has inspected and renovated over 500 homes and has experience managing over $30mm of residential construction projects. Mr. Denton has developed a large network of residential construction relationships throughout Texas including vendors, contractors, and inspectors. Additionally, Mr. Denton has overseen the origination, funding, and servicing of over 300 residential loans totaling over $100mm.

Scott Townes


Mr. Townes is a Partner at Easy Street Capital, overseeing all California operations. His background includes capital raising, portfolio management, asset management, business operations, and software development. He began his career as an Intelligence Officer in the Marine Corps where he twice deployed to combat operations in Iraq. Following his military career, he spent the next 10 years focused on real estate investments. He built and managed a business platform that successfully invested over $1B of equity in residential and small cap multi family assets across multiple states. Over the last year, Mr. Townes originated and managed a $50M California debt portfolio. Mr. Townes holds an undergraduate degree from James Madison University where he majored in Computer Information Systems, and an MBA from University of California, Anderson School of Business.

License Information
CA DRE Broker License - 01982219
NMLS ID - 1726407