EasyFix

EasyFix is Easy Street Capital’s industry-leading hard money loan program for residential investment properties. Whether you are looking for the traditional fix and flip loan for financing your next flip, a bridge loan on your investment property or starting another BRRRR strategy project, Easy Street Capital has the financing solution.

 

As billions of dollars of loan volume, the highest repeat borrower percentage in the country and a sterling track record of reviews prove – Easy Street Capital is built on relationships and flexibility to work as a trusted partner to our borrowers with hard money loans tailored to individual markets and needs.

 

If you need a quick close, we can close in as little as 48 hours with no appraisals. If you are an experienced investor, we can offer max leverage up to 93% LTC including 100% of draws. And we have creative, flexible options too, including bridge loans, cash-out refinances and more!

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Program Terms

Easy Street Capital provides hard money loans for investors purchasing residential properties. We provide approval in less than 24 hours. As a direct lender, we have full discretion and the funds on hand to close quickly. Easy Street Capital prides itself on its customer service, ease of process, and speed. We look forward to helping you succeed by financing your next investment property.

  1. Loan Amounts: $75K - $2M
  2. Rates: 9.90%-11.90%
  3. Payment: Interest Only
  4. Points: 2.0%-3.0%
  5. $1,495 Doc Fee
  6. LTC: Up to 93% (90% of Purchase, 100% of Rehab)
  7. LTV: Up to 75%
  8. Term: 6-12 months (w/ extension options)
  9. Financing for purchase and renovation costs
  10. Quickest draw process in the industry
  1. Geography: Nationwide (except for the following markets: LA, MN, MO, NV, NY, SD, ND, Baltimore, Chicago, Detroit, Inner City NJ)
  2. Property Types: Residential (SFR & 2-10 Unit)
  3. NO Appraisal Required (on most loans): Save $695 and 30 days!
  4. NO Junk Fees
  5. NO Prepayment Penalty: Payoff the loan at anytime
  6. Credit Score: 600 Minimum

Flexible Underwriting - Loans That Work For YOUR Scenario!

Need To Close Quick?

Our hard money loan program ideal for investors where speed is the most important variable. Winning deals is the most important part of any deal - nothing matters if you don't close the purchase! Perfect for flippers looking to move quickly, confident in quick closes and ability to beat cash offers in any market with no appraisals required and closes as quick as 48 hours. This option is available for first-time flippers too!

Looking For Max Leverage?

A brand new option for experienced investors aiming to maximize returns through max leverage, we now offer up to 93% LTC (including 100% of Rehab Budgets) allowing prolific expert flippers to put capital to work in maximum markets and projects. This option goes up to 75% LTV and has the quickest draw process in the industry!

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Fix & Flip Recent Fundings

Easy Street Capital has a proven track record of success exceeding the expectations of our fix and flip borrowers.

Fix and Flip

Murfreesboro, TN

Loan Amount / $777,200
LTC / 80%

Construction Funding / $68,400
LTV / 70%

Initial Funding / $708,800

Experienced borrower completing a cosmetic rehab in Murfreesboro, TN with an exit strategy to sell.

Fix and Hold

Westerville, OH

Loan Amount / $291,920
LTC / 80%

Construction Funding / $50,000
LTV / 70%

Initial Funding / $241,920

Novice borrower completing a cosmetic rehab in Westerville, OH with an exit strategy to refinance.

Fix and Flip

Dayton, OH

Loan Amount / $133,875
LTC / 85%

Construction Funding / $40,375
LTV / 69%

Initial Funding / $93,500

Repeat borrower completing a cosmetic rehab in Dayton, OH with an exit strategy to sell.

Fix and Flip FAQs

FREQUENTLY ASKED QUESTIONS

Real estate investors use hard money primarily for speed, higher leverage, and greater flexibility. Borrowers use Easy Street Capital for the reasons mentioned previously but also because of our relationship focus and reliability - capital you can count on!

Easy Street Capital prides itself on reliability. Our borrowers know that the terms we issue up front are the same terms at funding. Easy Street Capital will review your application and provide you with an EasyFix loan term sheet within 24 hours. No surprises! No junk fees! Easy Street Capital is truly an asset based lender.

We lend nationwide with a few exceptions. See map for details: Where We Lend

Easy Street Capital's EasyFix program requires a minimum credit score of 600.

Interest rates range from 9.9%-11.9%, 2-3 points, and a $1495 document fee. Please inquire about custom terms for experienced borrowers.

A “Point” is a fee on a loan that is incurred at the time of funding. A point is equivalent to 1% of the total loan amount.

This will vary based on the particular loan, but typically the borrower will have to put in a down payment of at least 10% for a fix and flip loan.

Easy Street Capital determines Loan To Value (LTV) calculations based on our in-house valuation of the property. In most cases the max LTV is 75% for our EasyFix program.

Yes - our loans can fund the purchase and renovation costs.

No, we do not have prepayment penalties on Fix and Flip loans.

Easy Street Capital has full discretion which allows us to fund your fix and flip loan in as little as 48 hours if all parties are prepared to close.

Yes. Every property we lend on is required to carry title, liability, and hazard insurance.

You can apply for a loan by filling out the 1-minute loan app. Click here to get started!

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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.

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