EasyRent

EasyRent is our tailored and industry-leading DSCR Loan 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. Our DSCR Lending Program has 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.

What is a DSCR Loan?

A DSCR Loan is a mortgage loan for a residential income-producing property. It is primarily based on the “Debt Service Coverage Ratio” or the cash flow of the property, rather than the borrower’s income. A traditional mortgage loan will require income verification, tax returns and a “Debt-to-Income” (DTI) ratio. DSCR Loans require none of these! Perfect for real estate investors ready to scale (no more W2!) or are looking leave behind the hassle, paperwork and headaches of conventional financing, DSCR Loans are quickly becoming the go-to loan option for real estate investors.

 

For a comprehensive definition, “DSCR Loans are mortgage loans secured by residential real estate turnkey properties strictly used for a business purpose and underwritten primarily based on the property.”

 

Note:

  • Mortgage Loans = form of loan that is secured by collateral, collateral = real estate
  • Residential Real Estate = properties used for people to live in vs. commercial, which is used to operate businesses (offices, retail, industrial, hotel, self-storage, etc.). In real estate finance, residential also typically refers to “1-4 unit” properties, anything more would be considered “multifamily”
  • Business Purpose = DSCR loans strictly do not allow the owner of the property to live in the property, it must be used for “business” or investment purposes. Includes use of “cash-out proceeds”
  • Underwritten = How lender evaluates (and then prices) the risk of the loan
  • Primarily Based on Property = Mostly based on property, but also look at sponsor
  • Turnkey = property doesn’t require any renovation, “turn the key and go”

Program Terms

  1. Loan Amounts: $75K - $3.5M (Blanket Portfolio Loans up to $5M)
  2. Rates: Starting at 5.75%
  3. Geography: Nationwide (except North Dakota, South Dakota)
  4. Property Types: Residential, Short-Term Rental, Vacation Rental up to 10 units
  5. Occupancy: Long-Term, Medium-Term, or Short-Term Rentals, Vacancy OK (on Acquisitions), no operating history required on STRs
  6. Loan Structure: 30-Year Fixed Rate Mortgage Loans, Flexible Prepayment Penalties, Partial IO (10-Years) Available, Entities (i.e. LLCs) and partners welcomed
  7. LTVs: Up to 85% (Acquisitions/Rate-Term Refinances), 75% (Cash-Out Refinances)
  8. DTI: Not Applicable (We don’t require tax returns or evaluate your personal income or finances when evaluating your application)
  9. No Minimum DSCR
  10. Credit Score: 640 minimum
  11. Fees & Deposits: 0-3% Closing Fee, $1,995 Underwriting Fee, $995 Processing Fee

Rental Loans Resources

DSCR Loans Guide 2025: Everything you need to know about DSCR Loans!

Easy Street Capital is America’s leading DSCR Lender.  With over $500,000,000 across more than 1,500 DSCR loans funded in the last two years, we have helped real estate investors across the country achieve financial freedom through this popular loan product.  DSCR Loans allow real estate investors to qualify with no W2, no tax returns and ...
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Mid Term Rentals Investor Guide 2025 – Tenants to Target, Top Markets, Financing Options and More!

Are you interested in 2025’s hot new real estate investing strategy of mid term rentals (or also commonly referred to as “medium term rentals”) but unsure about where to start or how to maximize your investment? Look no further! Our comprehensive Mid Term Rentals Investor Guide 2025 is here to provide you with the latest ...
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DSCR Loan Cash-Out Refinance Guide

One of the best hidden hacks in building wealth through real estate many investors don’t know about are DSCR Loan cash-out refinances.  While some people may know about cash-out refinances for tapping equity in their home, many people, including seasoned real estate investors, don’t know you can cash-out refinance a rental property too!   What ...
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Why Easy Street Capital

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Speed and Efficiency

EasyRent is the ideal solution for investors that want to move fast and get deals done quickly (30-day closing windows) and without the delays and red tape typical with banks and other lenders. Drawing on our years of experience with Fix and Flips, we are used to delivering for investors on timelines measured in days and hours – not weeks and months. Our process is quick and hassle-free, and allows you to get your deals done and pre-approved within hours of application.

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Light Documentation

Our process allows investors to avoid the mountains of endless paperwork and intrusive document-gathering common with our competitors. We do not require tax returns or income verification, ask for years of bank statements, or many of the other typical requests from other lenders. We have a quick and straightforward needs list that can be knocked out fast – allowing investors to focus on their properties and expanding their portfolio rather than the hassle of tracking down and providing infinite documents and files.

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Walk The Walk

We are a lending shop that understands your needs and challenges better than anyone else. Why? We are investors and operators ourselves and appreciate and recognize your definition of success. Our founding partners have acquired, renovated and sold thousands of properties and continue to invest and operate real estate today, including short term rental units operated at our headquarters in Austin. We don’t just lend, we are a partner with expert-level knowledge and experience that can advise and assist on your investing journey every step of the way.

Rental Loans FAQs

FREQUENTLY ASKED QUESTIONS

Offering Guidance

I can honestly say that Easy Street Capital was a delight to work with!! Everyone was so kind and helpful while going through the process of my hard money loan. I was surprised by how “easy” they were to work with as a newbie and even with unforeseen delays they were patient and cooperated in a professional manner. Amanda Hart was my initial contact and she is amaZing to work with!! She was my initial draw to the company and why I decided to move forward on my loan. I had and have immense confidence in this woman to guide and direct me as she would do her very own family member. I highly HIGHLY recommend her and this company for your hard money needs!!!! Find out how for yourself how “easy” Easy Street can be! Contact Amanda Hart!

Nina J. | Aug 05, 2023

Go-To Lender

I wouldn’t go anywhere else to fund my deals.

Juan G. | Sep 21, 2022

An Outstanding Job!

I used Zach Edelman to refinance my hard money loan into a short-term rental mortgage. He and his team did an outstanding job 👏 it was quick, easy and at good rates. Highly recommend for anyone looking to do so.

Austin C. | Aug 08, 2022

Broker-Approved.

It’s insane how EASY it really was working with Easy Street. Being a broker, I am used to working with a ton of slow, non-communicative lenders. This was not the case with these guys. I felt immediately taken care of with Dustin and the entire East Street team. We were able to close a loan for my client in 24 hours.. not even kidding. Thank you so much guys. Forever a returning partner and customer!

Jasmine S. | Feb 25, 2025

Trustworthy and Great Services.

I’ve worked with Amanda at Easy Street for a few years now. They’ve always been very competitive with rates, love their draw process and service is great. In a lending world where things change often, you need someone you can trust to deliver.

Robert W. | Apr 05, 2024

Fast and Reliable.

I’ve used Easy Street on several deals as a broker myself. They have definitely been the fastest and most reliable hard money lender that I’ve come across. Dustin and the team always make sure that my clients and I are taken care of, even after closing.

Noah H. | Mar 15, 2024

Smooth and Easy Closings.

I worked with Zach to secure a property and it was the easiest closing ever. Zach is the Michael Jordan of STR lending - he is the G.O.A.T. I will never work with another company besides easy street! They are the best!! Such a quick, smooth process. Highly recommend for any real estate investor!

Anish B. | Mar 05, 2024

Efficient and Transparent.

Zach Edelman at East Street Capital was instrumental in our successful short-term rental investment purchase. His deep understanding of investment strategies and market nuances, combined with exceptional communication, made the process efficient and transparent. Zach's professionalism and dedication to client success make him an outstanding choice for any real estate investor! I’m planning to use Zach and Easy Streer Capital for future purchases and refinances. Thanks again team!⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️

K.T | Jan 05, 2024

Saved the Day!

My team and I recently had the pleasure of Zach Edelman from Easy Street Capital, and he and his team, Amanda Werth in particular were excellent. We used their DSCR loan program for an investment/ rental home and we turned to Zach after we spent nearly two months with another lender rep that simply promised and did not even know his own guidelines. But, Zach and Amanda saved the day, not only did Zach pull it off in record time, but he got us even better terms than we thought we could get prior. Zach and Amanda and their team were great to work with: they were very responsive, informative, friendly, and best of all they got it done. Thank you from the whole crew of mine... we will be back to do more business with this team for sure.

Derek P. | Dec 05, 2023

Top-Notch!

Had the pleasure of meeting the team at Easy Street Capital today and I must say, the experience was top-notch! Their professionalism and dedication shone through in our interaction. I'm genuinely excited about the possibilities and look forward to collaborating more with them in the future. Highly recommend!

Kameron Beckum | Nov 09, 2023

Great Communication.

I had a very great experience working with Easy Street Capital. My loan officer Zachary and the Credit Analyst Abby worked diligently to get 3 loans done. There was always communication and updates which I really valued. Getting 3 loans done was a tough one but not for them. I appreciate both of them and can’t say enough about them. Highly recommended! Again, thank you.

Greg G. | Nov 05, 2023

A Breeze!

Working with Zach and team at EZ Street Capital was a breeze. They stayed on top of things and were very, very responsive. I plan to work with them again.

Edward C. | Oct 02, 2023

Responsive and Professional.

I am SO glad I found Easy Street capital to help fund my first deal. I would highly recommend working with Amanda Hart. She was so responsive to my questions, professional and helped ease my "first time" jitters. The process was so much easier than I thought it would be. Thank you to Easy Street and their team of experts!

Lisa R. | Sep 28, 2023

Fast and Easy.

This entire processes was so fast and easy. They turned the entire file around in less than a week and we were funded and closed with minimal prior to fund requirements. Jarell was very responsive as was the entire processing team. I will use them on all my investments!

Colleen Jacobsen | Sep 19, 2023

Around the Clock Service!

I have been working with Amanda Hart and I can't say enough about how wonderful she is. She was so helpful and answered any questions I had no matter what time of day. I would highly recommend!!!!

Kip R. | Sep 17, 2023

Easiest Draw Process!

It has been a pleasure working with Easy Street, not only do they make the entire process super easy, they are extremely quick with anything I have needed. They close super quick and have the easiest draw process for construction. Highly recommend Easy Street Capital. Amanda Hart who always helps me has great communication skills and has been there for anything I need. So thankful for Easy Street Capital, they have made my fix and flip loans extremely easy to work with and have made it one less thing to worry about in my Real Estate Career. Thank you once again Easy Street Capital!

Daniel V. | Sep 15, 2023

Great to Worth With!

They are really the truth!! Funded in 48hrs!!! Jarell and Samantha were great to work with!! Definitely would recommend

Emmanuel M. | Sep 10, 2023

Nothing but Great!

Great company to work with for hard money loans. I have two loans with them and have had nothing but a great experience. I recommend.

Monica A. | Sep 09, 2023

Communicative and Patient.

Very easy and fast to work with. Stephen helped me throughout the process and was very communicative and patient with all my questions.

Akshay G. | Sep 09, 2023

Exactly What I Needed!

Amanda was super easy to work with and was able to do exactly what I needed. The rates were also very reasonable compared to other lenders I talked with. I am looking forward to doing my next project with Easy Street!

Jerry D. | Sep 08, 2023

Straightforward and Simple.

Easy Street closed my deal in very short time after I fired the other lender for giving me the run around. The draw process was very straightforward and simple. Given this current high interest rate climate, they were easy to work with until I decided I found reasonable long term funding. I would use them again if I get stuck and need someone to close quickly. Amanda Hart is super fast!

Lorri W. | Sep 07, 2023

Responsive, Informative, Friendly.

I worked with Zach Edelman from Easy Street Capital, and he and his team were simply excellent. I was looking to refinance my short term rental property and was working with another lender that simply could not provide what I needed. I turned to Zach 3 weeks before my loan was due. Not only did Zach pull it off in record time, but he got us even better terms than we thought we could get. Zach and his team were great to work with: they were responsive, quick, informative, friendly, and best of all they got it done. Thank you!

Andrew L. | Sep 07, 2023

A Rare Find.

Behind every great company and service provider are the people who provide that service. Easy Street Capital is a wonderful example of this in todays competitive market. My representative is Amanda Hart and she is someone who works for you and does so with a drive and purpose that it makes you feel like she’s just as invested as we are in our success and that is a rare rare find today. I wish you the best of luck in your future deals which simply means that I hope you are lucky enough to work with Amanda to fund them all.

Demian P. | Sep 01, 2023

Extremely Responsive

Zach & Eli at Easy Street assisted with 2 purchases for me recently and were extremely responsive, very helpful in figuring out loan options to get me in the best financial positions for my goals right now, and great at navigating appraisal issues (which I expected - I am pretty well versed in real estate transactions and knew there would be an appraisal issue here, it was not anything that resulted from Easy Street's handling of the loan!) And did I mention extremely responsive?? Never had to wait to hear back from them when I had a question or requested an update!

Ashley D. | Aug 19, 2023

Honest and Fast

Perfect service. Honesty and fast!

Albeiro I. | Aug 16, 2023

You Won’t be Disappointed!

My partners found Easy Street Capital on the bigger pockets forum and I cannot express how great this lender is. Zach, my loan officer is VERY responsive, fast, and honest. They've made the process so easy compared to other lenders I've dealt with from the past. They have great rates & low minimum which really helps us in the area we are investing. Jill who does the back office work was awesome to work with as well. She answered all of my questions and assured me everything was going well. Definitely choose Easy Street Capital for you next loan/investment funding. I promise you will not be disappointed!!!

Milwaukee L. | Aug 15, 2023

My Lender of Choice!

Let me praise Stephen King. I had another lender promise a ten to day close and then extended to 20 days the day before closing. I knew who I had to call. Stephen took my call late this past Thursday, me out and didn't bat an eye. I gave his team heard everything they needed and they closed bridge in less than a 24 hours. You guys are my lender of choice now, no question. Stephen deserves acclaimation. This client was also my largest referral source and was his this personal deal Thank you for making me look like a hero!

Matthew B. | Aug 08, 2023

Smoothest Experience

Out of my 5 years in real investing my most recent transaction with Stephen King at Easy Street has been by far the smoothest experience. They were able to close my deal in 5 days, high level of professionalism and communication. Would recommend to anyone.

Horace H. | Aug 08, 2023

Offering Guidance

I can honestly say that Easy Street Capital was a delight to work with!! Everyone was so kind and helpful while going through the process of my hard money loan. I was surprised by how “easy” they were to work with as a newbie and even with unforeseen delays they were patient and cooperated in a professional manner. Amanda Hart was my initial contact and she is amaZing to work with!! She was my initial draw to the company and why I decided to move forward on my loan. I had and have immense confidence in this woman to guide and direct me as she would do her very own family member. I highly HIGHLY recommend her and this company for your hard money needs!!!! Find out how for yourself how “easy” Easy Street can be! Contact Amanda Hart!

Nina J. | Aug 05, 2023

Go-To Lender

I wouldn’t go anywhere else to fund my deals.

Juan G. | Sep 21, 2022

An Outstanding Job!

I used Zach Edelman to refinance my hard money loan into a short-term rental mortgage. He and his team did an outstanding job 👏 it was quick, easy and at good rates. Highly recommend for anyone looking to do so.

Austin C. | Aug 08, 2022

Broker-Approved.

It’s insane how EASY it really was working with Easy Street. Being a broker, I am used to working with a ton of slow, non-communicative lenders. This was not the case with these guys. I felt immediately taken care of with Dustin and the entire East Street team. We were able to close a loan for my client in 24 hours.. not even kidding. Thank you so much guys. Forever a returning partner and customer!

Jasmine S. | Feb 25, 2025

Trustworthy and Great Services.

I’ve worked with Amanda at Easy Street for a few years now. They’ve always been very competitive with rates, love their draw process and service is great. In a lending world where things change often, you need someone you can trust to deliver.

Robert W. | Apr 05, 2024

Fast and Reliable.

I’ve used Easy Street on several deals as a broker myself. They have definitely been the fastest and most reliable hard money lender that I’ve come across. Dustin and the team always make sure that my clients and I are taken care of, even after closing.

Noah H. | Mar 15, 2024

EasyRent Recent Fundings

Easy Street Capital has a proven track record of successfully funding single rental properties and portfolios for our borrowers.

Single-Family Residence

Tacoma, WA

Loan Amount / $279,000
Rate / 6.875%

Purpose / Rate-Term Refinance
LTV / 72.5%

$279,000 Washington DSCR Rental Loan for a Rate-Term Refinance of a rental property in Tacoma. Built in 1910 but with an effective age of just five years, this beautifully renovated home features a remodeled kitchen and bathroom, new windows, doors, paint, and flooring. Conveniently located near I-5, it offers easy access to Seattle and is surrounded by shopping, dining, and entertainment options.

Single-Family Residence

East Falmouth, MA

Loan Amount / $540,100
Rate / 6.375%

Purpose / Cash-Out Refinance
LTV / 55.0%

$540,100 Massachusetts DSCR Rental Loan for a Cash-Out Refinance of a rental property in East Falmouth. This beautifully renovated home features a brand-new kitchen, updated bathrooms, all-new flooring, and upgraded electrical and plumbing, with a modern feel despite its 1985 build. Ideally located near Great Pond for boating and kayaking, and nearby the scenic Falmouth Heights Beach with views of Martha’s Vineyard, it offers the perfect coastal retreat.

PUD

Mars Hill, NC

Loan Amount / $301,000
Rate / 7.250%

Purpose / Acquisition
LTV / 70.0%

$301,000 North Carolina DSCR Rental Loan for an Acquisition of a rental property in Mars Hill. This remodeled contemporary home features open living spaces with a cozy fireplace and a wraparound deck in a peaceful mountain setting. Located in a large country club community with golf, skiing, and trails, it’s just 10 miles from Wolf Ridge Ski Resort and near the Appalachian Trail and Pisgah National Forest.

Apply Today

Take the next step in your investment journey with a trusted, reliable lender that has your best interest in mind. Get in touch or request a quote today.