Easy Street Capital vs Kiavi
Easy Street wins on customer service and human communication; Kiavi wins on technology and volume pricing. First-time investors may prefer Easy Street's hand-holding; experienced flippers will appreciate Kiavi's efficiency.
Shared products: DSCR, Fix & Flip, Bridge · Updated March 2026
4.2
Easy Street Capital
Wins 1 categories
4.5
Kiavi
Wins 3 categories
Full Comparison
| Feature | Easy Street Capital | Kiavi |
|---|---|---|
| Interest Rates | 6.75%–12% | 6.5%–12%Better |
| Max LTV | 80% | 80% |
| Min Credit Score | 640 | 640 |
| Loan Range | $75K–$2M | $100K–$3M |
| Origination Fee | 1–2 points | 1–2 points |
| Speed to Close | 10–21 days | 10–21 days |
| Experience Required | No experience required | No experience required |
| LLC Borrowing | Yes | Yes |
| Interest-Only | Available | Available |
| Prepayment Penalty | 3-2-1 step-down (DSCR) | 3-2-1 step-down (DSCR) |
| Foreign National | No | No |
| Coverage | Nationwide | Nationwide |
| Property Types | SFR (1-4), Condo, Townhouse, Multifamily (5+)Better | SFR (1-4), Condo, Townhouse |
| Loan Products | 3 products | 4 productsBetter |
| Founded | 2019 | 2013 |
| Editor Rating | 4.2 / 5.0 | 4.5 / 5.0Better |
Pros & Cons
Easy Street Capital
Pros
- +Excellent customer service and communication
- +Competitive DSCR and flip rates
- +Works with first-time investors
- +Fast closings (10–14 days for flip, 21 for DSCR)
- +Low minimum loan amount ($75K)
Cons
- –Newer company (2019) — shorter track record
- –Smaller team — capacity may be limited during peak periods
- –Less technology-driven than Kiavi or New Silver
Kiavi
Pros
- +Fully digital platform — apply to close online
- +Competitive rates for experienced borrowers (volume discounts)
- +Bridge-to-DSCR conversion available (one-loan BRRRR)
- +Fast closings for repeat borrowers (10–14 days on flips)
- +No experience required for DSCR loans
Cons
- –Limited to 1-4 unit residential (no multifamily or commercial)
- –No foreign national programs
- –Minimum loan $100K (excludes low-cost markets)
- –DSCR prepayment penalty (3-2-1)
Frequently Asked Questions
Is Easy Street Capital or Kiavi better for real estate investors?
Easy Street wins on customer service and human communication; Kiavi wins on technology and volume pricing. First-time investors may prefer Easy Street's hand-holding; experienced flippers will appreciate Kiavi's efficiency.
What loan types do Easy Street Capital and Kiavi both offer?
Both lenders offer DSCR, Fix & Flip, Bridge. Kiavi offers 4 total products vs Easy Street Capital's 3.
Which has lower rates, Easy Street Capital or Kiavi?
Easy Street Capital advertises rates starting at 6.75% while Kiavi starts at 6.5%. Kiavi has the lower starting rate, but actual rates depend on your credit score, LTV, property type, and loan product. Always get quotes from both lenders.
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