Easy Street Capital Reviews (2025): Rates, Loans & Complaints

If you’re exploring the world of private financing for your first renovation project, you’ve likely come across Easy Street Capital reviews in your search. Choosing the right hard-money lender can be the difference between a profitable flip and a frustrating financial setback. Easy Street Capital is an Austin-based lender offering quick funding for fix-and-flip, DSCR rental, and construction deals, with loan approvals that can arrive in as little as 24 hours. This guide breaks down everything so novice investors can make informed decisions.

• Company Overview & Reputation
• Loan Products & Programs
• Rates, Terms & Fees
• Application Process & Eligibility
• Customer Reviews & Reputation Analysis
• Competitor Comparison & Alternatives
• Tips for Evaluating Hard-Money Lenders
• Real Estate Skills Program
• FAQs
• Conclusion

Company Overview & Reputation

Easy Street Capital opened its doors in 2019 and is headquartered in Austin, Texas. In just a few years, it has grown into a nationwide private lender, now serving real estate investors in 48 states. The company specializes in short-term and long-term financing for common investment strategies, offering programs like fix-and-flip loans, DSCR rental property loans, and new construction funding. This variety makes it a go-to option for investors who want fast, flexible financing to build or scale their portfolios.

When it comes to reputation, reviews are mixed. On the positive side, Easy Street has been recognized in the national press for expanding its Residential Transition Loan (RTL) program to offer limits of more than $5 million per property, giving experienced investors access to higher levels of capital. At the same time, the Better Business Bureau currently gives the company an F rating due to unresolved customer complaints. To maintain transparency, Easy Street also makes its licensing details publicly available on its website.

Loan Products & Programs

Easy Street Capital reviews suggest the company offers a range of loan options that give real estate investors flexibility. Whether it’s your first fix-and-flip, a rental refinance, or a new build, their programs are designed to look closely at the property and project itself rather than relying only on the borrower’s personal finances. Below, we’ll break down the main loan products they provide and how each one works:

• EasyFix (Fix-and-Flip / Bridge Loans)
• EasyRent (DSCR Loans)
• EasyBuild (New Construction Loans)
• Residential Transition Loan (RTL) & High-Limit Expansion

EasyFix (Fix-and-Flip / Bridge Loans)

EasyFix is built for speed. It’s a short-term bridge loan that helps investors buy, renovate, and resell quickly—often with streamlined underwriting and, in many cases, no formal appraisal. The focus is on the deal’s numbers (purchase, rehab, and resale), so you can lock financing, start work, and keep momentum on your flip.

• Loan amounts: ~$75,000 up to $5,000,000+ (project/experience dependent)
• Terms: typically 6–18 months, interest-only
• Rates: generally start near the high-single digits for strong files
• Leverage: up to ~75% LTV on purchase and up to ~93% LTC; rehab budget can be funded up to 100% (with draws)
• Appraisal: often not required, which can speed up closing
• Timeline: term sheet in about 24 hours; funding can be as fast as 48 hours once docs are clear
• Fees & flexibility: market-standard points at closing; typically no prepayment penalty on short-term flips
• Best for: quick acquisitions, cosmetic or full rehabs, and short bridge needs between purchase and exit

Beginner tip: before you apply, outline your scope, budget, timeline, and exit price. A tight deal packet (ARV comps, contractor bids, and draw schedule) makes approval smoother and helps you secure better terms.

EasyRent (DSCR Rental Loans)

EasyRent is a DSCR loan built for rental investors who prefer underwriting based on property cash flow rather than W-2s or tax returns. If the rent covers the payment, you may qualify—making this a fit for portfolio owners, self-employed borrowers, and investors scaling short- or long-term rentals.

• Loan amounts: ~$75,000 to ~$3,500,000; blanket options up to ~$5,000,000 (portfolio dependent)
• Terms: 30-year fixed options or ~10-year interest-only structures (program specific)
• Minimum FICO: generally around 640 for standard files
• Qualifying: DSCR-based—property’s rental income should meet or exceed the projected payment
• Property types: single-family homes, 2–4 units, condos, and vacation/short-term rentals
• Use cases: rate-and-term or cash-out refis, purchases, and portfolio consolidation

Beginner tip: Before applying, make sure to calculate your DSCR by dividing monthly gross rent by the projected monthly payment (including principal, interest, taxes, insurance, and HOA if applicable). Aim for a ratio at or above 1.00, and don’t forget to factor in a realistic vacancy and expense cushion. Many Easy Street Capital Reviews point out that investors who prepare these numbers upfront tend to have smoother loan approvals and more confidence in their deals.

EasyBuild (New Construction Loans)

EasyBuild is designed for ground-up projects, giving investors the capital to turn vacant lots into completed homes or small multifamily properties. Unlike traditional construction financing, EasyBuild emphasizes speed, streamlined underwriting, and a flexible draw schedule that funds work as milestones are completed.

• Loan amounts: up to ~$5,000,000 (based on project scope and experience)
• Terms: typically 12–18 months, with extensions available
• Draw process: flexible construction draws released as work progresses
• Property types: supports single-family and small multifamily builds
• Best for: ground-up development, infill projects, and builders needing fast capital without traditional bank red tape

Beginner tip: Before applying, prepare a clear set of construction plans, a realistic timeline, and contractor bids. Having these in hand not only makes the draw process smoother and speeds up approval, but Easy Street Capital Reviews often emphasize how being organized with this documentation can give investors a stronger chance of success.

Residential Transition Loan (RTL) & High-Limit Expansion

In 2025, Easy Street Capital announced an expansion of its Residential Transition Loan (RTL) program. The change increased lending limits to over $5 million per unit, giving experienced investors more room to take on larger projects and portfolios.

• Loan amounts: up to $5,000,000+ per property
• Designed for transitional properties
• Flexible structure with higher limits than other programs

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Rates, Terms & Fees

Every hard-money lender structures deals a little differently, and Easy Street Capital is no exception. Rates, leverage, and fees often depend on the property type, investor experience, and location of the project. Here’s what you can generally expect based on recent data from industry reviews and lender roundups:

• Hard money / fix-and-flip loans: Most borrowers see rates between 8.9% and 13.9%, with loan-to-value (LTV) capped near 70% and loan-to-cost (LTC) reaching as high as 95%. Points are usually 1.5%–4%, and deals can close in as little as two business days.
• Competitive examples: Some industry comparisons list rates starting at 7.45% APR, with leverage up to 90% of purchase price and 100% of rehab costs.
• Typical comparison range: Independent testing shows rates in the 8.90%–10.90% range, plus a $1,995 documentation fee as part of standard closing costs.
• DSCR rental loans: Long-term financing begins at roughly 5.50%, with 30-year fixed or 10-year interest-only terms available. Eligibility depends on credit score (often 640+) and the property’s ability to generate enough rent to cover the mortgage payment.

When looking through Easy Street Capital reviews, many borrowers highlight that the lender’s speed and flexible underwriting can outweigh slightly higher rates. Others mention that having a strong plan, solid comps, and a clear exit strategy often leads to smoother approvals. Overall, these reviews suggest that Easy Street Capital remains competitive for both short-term and long-term financing options.

Application Process & Eligibility

Working with Easy Street Capital usually starts with a simple online request for a term sheet. You’ll be asked for basic details—things like the property address, purchase price, loan amount, and what you expect the home to be worth after renovations. Once that information is submitted, responses often come within a day, and if everything checks out, deals can move from approval to closing in just a few business days.

Eligibility depends on the type of loan you’re applying for. Fix-and-flip loans often focus on the project itself rather than the borrower’s income, though they may ask about your experience with renovations. For DSCR rental loans, the property’s rental income is key — lenders want to see that the rent covers the mortgage payments. Most programs require a minimum credit score of around 600–640, and eligible properties typically include single-family homes, small multifamily buildings, condos, and even vacation rentals. Easy Street Capital lends in most states, though certain markets may be excluded.

• Minimum credit score: ~600–640 depending on loan program
• Eligible properties: SFR, 2–4 unit multifamily, condos, vacation rentals
• Approval timeline: Term sheet within ~24 hours; closings within 2–7 days
• Required info: Property address, loan amount, estimated value, and project details

Many borrowers say the process goes smoothly, but some have noted that deposits aren’t always refunded if a deal falls through. That’s why it’s important to ask about fees up front and make sure you’re clear on the refund policy before moving ahead.

Customer Reviews & Reputation Analysis

Like most private lenders, Easy Street Capital has a mix of positive and negative reviews. Understanding both sides can help new investors set realistic expectations and avoid surprises.

On the positive side, many borrowers highlight how quickly the company can issue term sheets and close deals. Some reviews mention approvals within 24 hours and closings in as little as two to three days. Clients also praise individual loan officers for their responsiveness, noting that they felt supported throughout the lending process. For investors who need speed to secure a competitive property, these quick turnarounds can be a major advantage.

Not all reviews are positive. The Better Business Bureau currently gives Easy Street Capital an F rating because of unresolved complaints. Some investors say they lost deposits when deals didn’t close, others mention last-minute changes to loan terms or trouble getting in touch with staff, and a few reported that funding was pulled late in the process, which caused major setbacks for their projects.

• Pros: Fast approvals, quick closings, supportive loan officers, flexible programs
• Cons: Non-refundable deposits, occasional communication issues, reports of last-minute funding changes

According to most Easy Street Capital reviews, this hard money lender offers the speed and flexibility that many real estate investors want, but the company’s track record shows the importance of doing your homework. Reading the fine print, asking about refund policies, and comparing offers with at least one other lender can help balance out the risks.

Competitor Comparison & Alternatives

Before you choose a lender, it helps to see how Easy Street Capital stacks up against other well-known options. The quick snapshot below compares common factors new investors care about: typical rates, maximum loan sizes, credit expectations, speed, and what each lender is best known for. Use it as a starting point, then request written term sheets so you’re comparing apples to apples. For a broader industry overview, you can also review an independent roundup of hard money lenders (industry list).

How to use this: Pick two or three lenders that match your project type, request written term sheets on the same day, and compare the rate, total fees, leverage, draw process, and prepayment language side-by-side. If you’re brand-new, choose the lender that offers the clearest process and fastest communication—not just the lowest headline rate. Easy Street Capital Reviews often point out that transparency and responsiveness can be just as valuable as competitive pricing when you’re choosing a lending partner.

Tips for Evaluating Hard-Money Lenders

Not all private lenders are created equal. Before you sign a loan agreement, take time to evaluate your options using proven best practices. Doing so helps you avoid surprise fees, mismatched terms, or lenders that don’t align with your investment goals.

1. Compare rates and terms side by side: Don’t just look at the interest rate. Compare LTV limits, loan-to-cost ratios, and repayment terms across at least two lenders.
2. Understand all fees upfront: Ask about origination charges, documentation fees, and whether deposits are refundable. Small fees add up quickly.
3. Check for prepayment penalties: Some lenders penalize you for paying off a loan early, while others allow full flexibility. Clarify this in writing.
4. Evaluate reputation and transparency: Read independent reviews and BBB ratings to see how the company handles complaints. Transparency in communication is a strong trust signal.
5. Match lender to strategy: Choose a lender experienced with your specific project type—whether that’s a short flip, rental refinance, or new construction.

Ultimately, the right hard-money lender should align with your investment goals, financing needs, and experience level. Take time to compare rates, fees, and service quality across multiple providers before making a decision. Easy Street Capital reviews often highlight the importance of evaluating not just the numbers on paper, but also the lender’s reliability, speed, and overall borrower experience. By weighing both the hard data and real-world feedback, you can choose a partner that helps you move your projects forward with confidence.

Real Estate Skills Program: Learn How to Fix & Flip Like a Pro

While lenders like Easy Street Capital can provide the financing, it takes more than money to succeed in real estate investing. That’s where the Real Estate Skills program comes in. Designed for beginners, this comprehensive training platform teaches you how to find, fund, renovate, and sell properties with confidence. It also covers financing strategies like hard-money loans, DSCR rental loans, and the BRRRR method, so you can make smart borrowing decisions instead of relying on guesswork.

• Deal analysis: Learn to calculate ARV, MAO, and projected returns.
• Financing strategies: Master how to use hard-money loans, DSCR financing, and BRRRR to grow faster.
• Contractor management: Build systems to keep projects on budget and on schedule.
• Exit strategies: Understand when to flip, refinance, or hold for cash flow.

If you’re serious about getting started, grab our FREE Ultimate Guide to Start Real Estate Investing and take the first step—no license required. The right training ensures that when you do take on a loan, you’re confident in your numbers, prepared for challenges, and positioned to turn your first project into a long-term success story.

FAQs About Easy Street Capital

As you research private lenders, you’ll likely come across many of the same questions from new investors. To make things simple, we’ve pulled together quick answers to the most common concerns people have about Easy Street Capital. These short responses cover legitimacy, rates, credit requirements, and what you can expect during the lending process.

Is Easy Street Capital legitimate?

Yes, Easy Street Capital is a licensed private lender founded in 2019 and active in most of the United States. However, the BBB lists an F rating due to unresolved complaints.

What are Easy Street Capital’s typical interest rates?

Fix-and-flip loans generally range from 8.9%–13.9%. DSCR rental loans can start near 5.5%, with some examples showing rates as low as 7.45% APR.

What credit score do I need?

Credit requirements vary by program. DSCR loans often need around 640, while fix-and-flip loans may be approved with scores closer to 600.

Are there prepayment penalties?

No, most programs do not charge prepayment penalties. This gives investors flexibility to exit or refinance early without extra cost.

Are appraisals required?

Not always. Certain fix-and-flip loans can close without an appraisal, which speeds up the approval process.

What states are excluded?

Easy Street lends in most states, but some markets may be excluded. Examples include parts of Minnesota, Missouri, New York, South Dakota, North Dakota, Baltimore, Chicago, Detroit, and Northern New Jersey.

How fast is funding?

Investors often receive a term sheet within 24 hours. Closings typically happen within 2–7 days once documents are finalized.

Are deposits refundable?

Some borrowers report deposits are non-refundable if a deal does not close. Always confirm the deposit policy in writing before committing.

Key Takeaways & Summary

In summary, Easy Street Capital offers flexibility and speed that can be valuable for real estate investors, but it’s not without risks. The smartest approach is to compare offers, understand every fee, and pair financing with the right training. Many Easy Street Capital reviews echo this sentiment, noting that informed borrowers tend to achieve the best outcomes. By learning through the Real Estate Skills program, you’ll gain the confidence to analyze deals, manage loans effectively, and set yourself up for long-term success in real estate investing.

*Disclosure: Real Estate Skills is not a law firm, and the information contained here does not constitute legal advice. You should consult with an attorney before making any legal conclusions. The information presented here is educational in nature. All investments involve risks, and the past performance of an investment, industry, sector, and/or market does not guarantee future returns or results. Investors are responsible for any investment decision they make. Such decisions should be based on an evaluation of their financial situation, investment objectives, risk tolerance, and liquidity needs.