Easy Street Capital Review
Founded 2019 · Austin, TX · Nationwide
4.2
Editor Rating
Easy Street Capital is a fast-growing investor lender offering DSCR, fix-and-flip, and bridge loans with an emphasis on speed and customer service. Known for competitive rates and a borrower-first approach.
Editor's Take
Easy Street Capital has built a strong reputation quickly by focusing on something many fintech lenders overlook: customer service. Borrowers consistently report responsive loan officers, clear communication, and a willingness to solve problems rather than hide behind automated systems. If you value a human touch alongside competitive rates, Easy Street is worth a call.
— Bill Rice, 30+ year mortgage lending veteran
Pros & Cons
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
Loan Products Offered
Eligible Property Types
Best For
Compare Easy Street Capital
Easy Street Capital Review: Frequently Asked Questions
Is Easy Street Capital a legitimate lender?
Easy Street Capital is an established lender founded in 2019 and headquartered in Austin, TX. It lends nationwide and specializes in DSCR loans, fix-and-flip loans and bridge loans. To verify it for yourself, confirm Easy Street Capital's current NMLS registration and state licensing, check its Better Business Bureau (BBB) profile and reviews, and compare written quotes before you apply.
What are the pros and cons of Easy Street Capital?
Pros: Excellent customer service and communication; Competitive DSCR and flip rates; Works with first-time investors. Cons: Newer company (2019) — shorter track record; Smaller team — capacity may be limited during peak periods; Less technology-driven than Kiavi or New Silver.
What credit score do you need for Easy Street Capital?
Easy Street Capital's published minimum credit score is 640. A higher score generally unlocks better rates and higher leverage. Requirements vary by loan program and are subject to change.
What rates and fees does Easy Street Capital charge?
Easy Street Capital's rates run approximately 6.75%–12% with origination fees of 1–2 points, on loans from $75K to $2M (up to 80% LTV). All figures are approximate and subject to change — request a written quote for your scenario.
Can you close with Easy Street Capital in an LLC?
Yes. Easy Street Capital allows investors to take title in an LLC, which many use for liability protection and cleaner portfolio organization.
How fast can Easy Street Capital close a loan?
Easy Street Capital typically closes in 10–21 days, depending on the loan program, the property, and how quickly you provide documentation.
Disclaimer: Rates, terms, and requirements shown are approximate and based on publicly available information as of March 2026. Actual terms may vary based on your credit profile, property details, and market conditions. Always verify current terms directly with the lender before making financing decisions. ProInvestorHub provides editorial reviews for educational purposes and does not guarantee loan approval or specific terms.