Easy Street Capital
Easy Street Capital is a private real estate lender offering fix-and-flip, DSCR rental, and new construction loans to real estate investors across 48 states, with in-house underwriting, no-appraisal processing, and AirDNA-based short-term rental qualification.
- Company typePrivate
- Founded2016
- HeadquartersAustin, United States
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Easy Street Capital does
Easy Street Capital is a private real estate lender headquartered in Austin, Texas, operating as Easy Street Capital CA, LLC and licensed across multiple states (NMLS #2167568). The company focuses exclusively on investment property financing for real estate investors, offering three core loan products: EasyFix (fix-and-flip and bridge hard money loans starting at 8.90%, 24-hour closings, up to 93% LTC, no appraisal required), EasyRent (DSCR-based rental loans for long-term and short-term rentals up to 10 units, starting at 5.75%, 30-year fixed rate, no DTI or tax returns required), and EasyBuild (new construction loans starting at 9.90% with 48-hour draw processing). The platform is differentiated by fully in-house underwriting and servicing, asset-based lending without third-party appraisals, and a specialized Short-Term Rental program that integrates AirDNA rental projections for qualification.
The company generates revenue primarily through interest income on its loan portfolio (rates ranging from 5.75% to 9.90%), supplemented by origination fees (0-3% closing fee, $1,995 underwriting fee, $995 processing fee), points, and securitization proceeds. To date the company has funded over $1.1 billion across more than 3,400 DSCR loans and completed two $175 million Residential Transition Loan securitizations in 2025, demonstrating programmatic access to capital markets for funding growth. The business operates across 48 states, excluding Louisiana, Minnesota, North Dakota, South Dakota, and select metros.
Distribution combines direct lending (online application and inside sales team) with three formal partner programs: a Mortgage Broker Program, a Real Estate Agent Referral Program (0.50% referral fee on closed DSCR loans), and a Signature Wholesaler Program (up to $1,000 per deal). Customer segments include fix-and-flip investors, rental and STR investors, BRRRR method investors, plus the professional partner network. The company employs 11-50 staff and received top-tier 2026 industry recognition from Scotsman Guide, Forbes, HousingWire, BiggerPockets, Yahoo Finance, and The Close.
Easy Street Capital firmographics
Firmographics- Name
- Easy Street Capital
- Legal name
- Easy Street Capital CA, LLC
- Website
- https://easystreetcap.com
- Company type
- Private
- Founded year
- 2016
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Easy Street Capital is a private real estate lender offering fix-and-flip, DSCR rental, and new construction loans to real estate investors across 48 states, with in-house underwriting, no-appraisal processing, and AirDNA-based short-term rental qualification.
- Ownership category
- akta.pro rank
Easy Street Capital industry classification
Industry- Product category
- Private Real Estate Lending
- NAICS
- Real Estate Credit (522292)
- SIC
- Mortgage Bankers & Loan Correspondents (6162), Asset-Backed Securities (6189)
- akta.pro primary industry
- Private Credit / Direct Lending (FSAAAHAG)
- akta.pro secondary industry
- Real Assets — Real Estate Debt (Whole Loans, Mezzanine, CMBS/CLO) (FSAHAIAB)
Keywords
Where Easy Street Capital is headquartered
LocationHeadquarters
- HQ city
- Austin
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Easy Street Capital business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Supply Chain, Infrastructure
Revenue model
- Interest Income from Investment Property Loans: Easy Street Capital generates revenue through interest payments on its investment property loans including fix-and-flip hard money loans, DSCR rental loans, and new construction loans. Interest rates range from 5.75% to 9.90% depending on loan type and borrower profile.
- Loan Origination Fees and Points: Charges 0-3% closing fee, $1,995 underwriting fee, $995 processing fee, and 0-2 loan points on hard money loans. Document fees of $1,995 for fix-and-flip loans.
- Securitization Proceeds: Company completes residential transition loan securitizations to raise capital at scale, having completed $175 million securitizations in 2025.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Pay-as-you-go | EasyFix Fix-and-Flip Loans - Rates starting at 8.90% |
| Subscription | Monthly | EasyRent DSCR Rental Loans - Rates starting at 5.75% |
| Subscription | Pay-as-you-go | EasyBuild New Construction Loans - Rates starting at 9.90% |
| Transaction based/ take rate | Pay-as-you-go | Real Estate Agent Referral Program - 0.50% referral fee |
| Transaction based/ take rate | Pay-as-you-go | Signature Wholesaler Program - Up to $1,000 per deal referral |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels8 records
Easy Street Capital product offering
Product offeringCore offering
Easy Street Capital is a private investment real estate lender offering three core loan programs: EasyFix (fix-and-flip / bridge hard money loans), EasyRent (long-term DSCR rental loans for long-term, short-term, and mixed-use properties up to 10 units), and EasyBuild (new construction loans for ground-up projects). Loans are underwritten in-house with no appraisals required on most products, with closings in 24-48 hours and high leverage up to 93% LTC, distributed directly and through broker, agent referral, and wholesaler partner programs across 48 U.S. states.
Product overview
Easy Street Capital is a private real estate lender offering a platform of three core loan programs — EasyFix (fix-and-flip hard money), EasyRent (DSCR rental loans), and EasyBuild (new construction loans) — alongside specialized sub-products including a BRRRR Method Lending program and a Short Term Rental (STR) Loan Program. The portfolio is complemented by professional partner programs: a Real Estate Agent Referral Program, a Signature Wholesaler Program, and a Mortgage Broker Program. The three core loan products function as an integrated platform, with EasyFix and EasyBuild addressing short-term financing needs and EasyRent providing long-term 30-year fixed-rate refinancing, enabling investors to move from acquisition through exit within a single lender relationship.
Differentiator
Problem solved
Functional benefit
Brands
- EasyFix: Industry leading Fix & Flip / Bridge loan product. No appraisal required, high leverage, and can close in 24 hours. Rates starting at 8.90%.
- EasyRent
- EasyBuild
Products and services
- EasyFix Hard money fix-and-flip and bridge loan product for real estate investors financing the purchase and renovation of residential investment properties. Features no appraisal required, 24-hour closings, up to 93% LTC, up to 75% ARV, 100% rehab financing, rates starting at 8.90%, loans from $75K to $5M+, 6-18 month interest-only terms with extensions, and 600 minimum FICO.
- EasyRent DSCR rental loan product for long-term, short-term, and mixed-use investment properties up to 10 units. Underwritten primarily on property cash flow rather than borrower income, with 30-year fixed rate, partial interest-only for 10 years available, rates starting at 5.75%, loan amounts from $100K to $3.5M+ (blanket portfolio up to $5M), up to 80% LTV for acquisitions and rate-term refinances and 75% LTV for cash-out refinances, no DTI requirement, no minimum DSCR, no tax returns required, 640 minimum FICO, and LLC and partnership eligibility.
- EasyBuild New construction loan product for ground-up residential investment projects from lot acquisition through completion. Features 48-hour construction draw processing, rates starting at 9.90%, loans from $75K to $5M+, 9-24 month terms with extension options, 680 minimum FICO, 1-10 unit properties, up to 90% LTC and 75% LTV, no appraisal required, and a first-time builder product.
- BRRRR Method Lending An integrated lending program supporting the Buy-Rehab-Rent-Refinance-Repeat (BRRRR) strategy, combining EasyFix hard money loans for acquisition and rehab with EasyRent DSCR refinance loans for the cash-out refinance step. Enables investors to recoup up to 100% of investment costs in as little as 3 months of seasoning, supporting portfolio growth with limited capital.
- Short-Term Rental (STR) Loan Program Short-term rental financing program utilizing AirDNA rental projections for qualification, allowing investors to finance Airbnb and VRBO properties through 30-year fixed-rate DSCR loans with rates starting at 5.75%. Features no 12-month operating history required, no DTI ratio, and qualification using 100% of AirDNA-projected revenue for professional STR investors with 3+ properties.
- Mortgage Broker Program A wholesale broker program enabling mortgage brokers to offer Easy Street Capital's loan products (EasyFix, EasyRent, EasyBuild) to their investor clients. Features standard and Signature Broker tiers with white-labeled documents, enhanced pricing, dedicated broker support, and lifetime exclusivity on borrower relationships.
- Real Estate Agent Referral Program A RESPA-compliant referral partnership program for real estate agents representing investor-buyer clients needing DSCR loan financing for turnkey rental properties. Features 0.50% referral fee on closed DSCR loans (averaging about $2,500 per loan at $500K average loan size), 24-hour pre-approvals, 30-day closes, and uncapped unlimited referral payouts.
- Signature Wholesaler Program A program for real estate wholesalers providing no-appraisal financing, 24-48 hour closings, up to 93% LTC and 75% LTV, priority underwriting, pre-screened ARV verification, $1,000 referral fee per successful deal, and transactional funding for double closes.
Quantifiable outcome
- 3-month seasoning for cash-out refinances (vs 12 months conventional)
- +4 more outcomes
Companies that use Easy Street Capital
Customer profileNamed customers5 records
Segments8 records
Ideal customer profiles8 records
Easy Street Capital technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Easy Street Capital partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- AirDNAcoreAirDNA provides rental data and projections (Rentalizer tool) used by Easy Street Capital to qualify short-term rental loans. Easy Street Capital was one of the first lenders to use AirDNA projections to qualify STR loans, utilizing 100% of projected revenue for professional STR investors with 3+ properties.
Scale indicators6 records
Recent moves6 records
Expansion highlights6 records
Easy Street Capital competitors and assessment
Company assessmentDirect peers
- Verus Mortgage Capital: Verus Mortgage Capital originates and securitizes non-QM and DSCR loans, competing with Easy Street on rental loan products and operating a similar securitization-based funding model.
- Angel Oak Mortgage Solutions: Angel Oak Mortgage Solutions offers non-QM, DSCR, and investment property loans through broker channels, directly overlapping with EasyRent and EasyFix products distributed via the Mortgage Broker Program.
- Deephaven Mortgage: Deephaven Mortgage offers DSCR, non-QM, and investor-focused rental loans — directly competing with EasyRent in the long-term rental financing segment.
- Lima One Capital: Lima One Capital is a private real estate lender specializing in fix-and-flip, rental, and new construction loans to investors — a near-direct competitor with comparable products and similar investor customer base.
- Kiavi (formerly LendingHome): Kiavi is one of the largest private real estate lenders in the U.S., offering fix-and-flip, bridge, and rental loans to residential investors — directly competing with EasyFix and EasyRent across the same SMB investor customer base.
- American Heritage Lending (AHLI): AHLI is a private lender offering DSCR, fix-and-flip, and ground-up construction loans to real estate investors nationwide — directly competing with the full Easy Street product platform.
- NewRez (Real Estate Finance): NewRez has a substantial non-QM and DSCR lending platform serving real estate investors, competing directly with EasyRent on rental financing products.
- RCN Capital: RCN Capital is a private real estate lender offering fix-and-flip, rental, and multifamily loans to investors — directly comparable to EasyFix and EasyRent products.
- Homebase (homebase.loans): Homebase is a technology-forward private lender focused on rental (DSCR) and fix-and-flip loans to real estate investors, with comparable speed and underwriting differentiation.
- CoreVest (Redwood Trust subsidiary): CoreVest is a leading private lender specializing in residential investment property financing including fix-and-flip, rental (DSCR), and new construction loans — directly comparable to Easy Street Capital's full product suite.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks4 records
Key highlights7 records
Customer concentration
Easy Street Capital social profiles
Digital presenceEasy Street Capital compliance and trust
Trust signalCompliance3 records
Easy Street Capital financial estimates
Financial estimateRevenue estimate
Valuation estimate
Easy Street Capital leadership team
Management profileNumber of profiles
Easy Street Capital funding detail
Funding detailFunding overview
Funding rounds1 record
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Easy Street Capital M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Easy Street Capital
What does Easy Street Capital do?
Easy Street Capital is a private investment real estate lender offering three core loan programs: EasyFix (fix-and-flip / bridge hard money loans), EasyRent (long-term DSCR rental loans for long-term, short-term, and mixed-use properties up to 10 units), and EasyBuild (new construction loans for ground-up projects). Loans are underwritten in-house with no appraisals required on most products, with closings in 24-48 hours and high leverage up to 93% LTC, distributed directly and through broker, agent referral, and wholesaler partner programs across 48 U.S. states.
Is Easy Street Capital a public or private company?
Easy Street Capital is a private company. It is classified as unknown and is currently operating.
When was Easy Street Capital founded?
Easy Street Capital was founded in 2016. It employs 11 to 50 people.
Where is Easy Street Capital based?
Easy Street Capital is headquartered in Austin, United States, in the North America region.
How does Easy Street Capital make money?
Three revenue lines are on record. Interest Income from Investment Property Loans are the primary driver. The others are loan Origination Fees and Points and securitization Proceeds.
Who are Easy Street Capital's main competitors?
Direct peers on record are Verus Mortgage Capital, Angel Oak Mortgage Solutions, Deephaven Mortgage, Lima One Capital, Kiavi (formerly LendingHome), American Heritage Lending (AHLI), NewRez (Real Estate Finance), RCN Capital, Homebase (homebase.loans) and CoreVest (Redwood Trust subsidiary).
Does Easy Street Capital have an API?
No public API is recorded for Easy Street Capital.
What industry is Easy Street Capital in?
Easy Street Capital's product category is Private Real Estate Lending. Its primary akta.pro industry code is FSAAAHAG, Private Credit / Direct Lending, with a secondary code of FSAHAIAB, Real Assets — Real Estate Debt (Whole Loans, Mezzanine, CMBS/CLO). Its NAICS code is 522292 and its SIC code is 6162.