Direct Lender for Residential and Multifamily Property Investors
Easy Street Capital is a private real estate lender headquartered in Austin, Texas serving real estate investors around the country. Defined by an experienced team and innovative loan programs, Easy Street Capital is the ideal financing partner for real estate investors of all experience levels and specialties. Whether an investor is fixing and flipping, financing a cash-flowing rental, or building ground-up, we have a solution to fit those needs.
EasyFix
Short-term loans for the purchase and rehab of residential or multifamily properties (up to 20 units). We fund up to 90% of the total costs (purchase + rehab).
EasyRent
DSCR 30-year rental loans for residential investment properties, including short-term vacation rental. We fund up to 80% of the purchase price, or 80% LTV for a refinance.
EasyBuild
Vertical ground-up construction financing for residential investment properties, including multi-home developments. We fund up to 82.50% of the total costs. No horizontal or land development.
Please Note: We do not offer loans for land development, commercial properties or owner-occupied homes.
Property Geographic Area Details
Loan Amounts
Interest Rates
Loan Terms
Origination Fees
Lien Position
Maximum Leverage
Purchase Short-Term (no Value-Add):
Purchase Long-Term
Refinance Short-Term (no Cash Out)
Refinance & Cash Out Short-Term
Refinance Long-Term
Residential Fix & Flip
Residential Rehab & Hold
Multifamily Value-Add
Residential Construction
Multifamily Construction
EasyFix is Easy Street Capital’s industry-leading financing solution for fix & flip investment properties. Whether you are looking to purchase a property with small or large renovation, or simply need a bridge loan, EasyFix is the easiest and fastest loan program in the country. Easy Street Capital is able to close your loan in less than 48 hours. There is no appraisal, so you save money, time, and the terms of your loan never change. The EasyFix loan program experience has resulted in Easy Street Capital having the highest repeat borrower % in the country. We are confident we can find you a great loan with a quick, efficient and easy process. Receive your term sheet today (within 24 hours).
EasyBuild is the perfect solution for home builders. All construction loans are serviced in-house from start to finish providing a unique level of exceptional customer service in the real estate investing industry. We understand the importance of getting paid on time and want to ensure that your construction project is completed as quickly and efficiently as possible. Our new construction program is incredibly easy to navigate and we as a company, want you to succeed by making the process incredibly straightforward and easy.
EasyRent is our tailored and industry-leading solution for cash flowing investment properties whether you are buying to add to your portfolio or cashing out your capital in a refinance, we have a loan for you. We are also a leader in short term rentals – properties used for AirBNBs, VRBO or vacation homes – we have flexible and ultra-competitive terms to get deals done. We have solutions for anyone – from first-time investors dipping to industry veterans looking to rapidly expand their portfolios – we are confident we can find you a great loan in a quick, efficient and easy process.
Property Types
- 2-4 Units Residential
- Condominium
- Mixed-Use
- Multifamily
- Single Family Residence
Loan Types
- Private Money
- Hard Money
- Residential Bridge
- Residential Fix and Flip
- Residential Rehab and Rent
- Residential Long-Term Rental
- Residential Ground-Up Construction
Specialty Loan Types
- Residential Long-Term Rental
- Residential Short-Term Rental
- Vacation 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%Development Experience Required
yesMinimum Number of Ground-Up Construction Projects Completed by Borrower
1Max LTC for Ground-Up Construction Costs
82.5%Interest Charged for Construction Costs
Only on Funds DrawnWill Lend on Partially Completed Construction Projects
yesMinimum Loan Amount
$75,000Maximum Loan Amount
$5,000,000Minimum Interest Rate
6.75%Maximum Interest Rate
10.00%Minimum Origination Fee
1%Maximum Origination Fee
3%Minimum Loan Term
360 monthsMaximum Loan Term
360 monthsSeasoning Time
3 monthsMinimum Debt Service Coverage Ratio
0.75Will Lend on a Portfolio of Properties
YesMinimum Number of Properties
3Maximum Number of Properties
25Minimum Property Value
$93,750Processing Fee
A set $1,495 document and processing fee covers all lender underwriting and closing costs.
Minimum Origination Fee Amount
$2,000
Fees which are mandatory for all new borrower clients
- Extension Fee
Easy Street Capital Testimonials
Catherine C.
"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."
Google Reviews
Brandon R.
"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."
Google Reviews
Christopher C.
"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!"
Google Reviews
Angel C.
"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."
Google Reviews
Mike N.
"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!!"
Google Reviews
Judson G.
"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."
Google Reviews
Mirelle L.
"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."
Google Reviews
Ross C.
"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."
Google Reviews
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Easy Street Capital is a private real estate lender headquartered in Austin, Texas serving real estate investors around the country. Defined by an experienced team and innovative loan programs, Easy Street Capital is the ideal financing partner for real estate investors of all experience levels and specialties. Whether an investor is fixing and flipping, financing a cash-flowing rental, or building ground-up, we have a solution to fit those needs.
Our lending process offers industry leading speed and efficiency to help investors win more deals and grow their business. We can close in less than 48 hours.
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.
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.
Office Locations
Easy Street Capital - Austin1201 E Cesar Chavez Street Suite 1, Austin, Texas 78702
Easy Street Capital - Irvine
19900 MacArthur Blvd, Irvine, California 92612
Our Team
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Our Minimum Loan Amount Is
$75,000
What We Do
- Residential Investment Properties
- Multifamily up to 20 Units
- Bridge, Fix and Flip, Construction, Long-Term
- Rehab Loans 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
- NO Commercial or Specialty Properties