As the U.S. grapples with a housing shortage of approximately 4.7 million homes, real estate investors are stepping up to meet the demand for new residential developments. At Easy Street Capital, we’re proud to support these efforts with significant updates to our EasyBuild loan program. Our updated financing terms now offer up to 90% Loan-to-Cost (LTC) and 75% Loan-to-Value (LTV), up from the previous 85% LTC and 70% LTV ratios. This change empowers seasoned builder investors to take on larger construction projects with less upfront capital while also growing their portfolios.
Why Higher Leverage Matters for Real Estate Investors
With the housing deficit creating unprecedented opportunities for developers, access to flexible hard money loans is more critical than ever. Our enhanced EasyBuild program allows qualified borrowers—those with three or more completed construction projects—to secure financing that covers up to 90% of project costs. This means you can preserve cash flow, take on bigger developments, and respond quickly to market demands, whether you’re building single-family homes, townhouses, or multifamily units. For first-time builders, we also offer competitive financing options with maximum leverage to help you break into the market with confidence.
“We’re seeing strong interest from experienced investors eager to scale residential construction projects in response to the ongoing U.S. housing shortage,” says Casey Denton, Partner at Easy Street Capital. “Our enhanced EasyBuild program’s 90% LTC and 75% LTV ratios deliver the financial flexibility needed to accelerate builds and help close this critical supply gap.”
What Sets EasyBuild Apart?
At Easy Street Capital, we know that real estate investing isn’t one-size-fits-all. That’s why our EasyBuild program is built with flexibility and speed in mind, offering:
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Higher Leverage
Up to 90% LTC and 75% LTV for qualified borrowers, reducing the equity you need to get started.
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Nationwide Availability
EasyBuild supports ground-up construction projects across the U.S., from urban markets to growing suburbs.
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Streamlined Process
Fast approvals and tailored loan structures to keep your projects moving forward.
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Investor-Focused Solutions
Part of our broader suite of hard money loans, including fix-and-flip and bridge financing, designed to meet your unique goals as a real estate investor.
These enhanced terms are designed for builders with a proven track record, while our additional financing options ensure that first-time builders can access the capital they need to succeed.
Tackling the Housing Shortage with Hard Money Financing
The housing shortage isn’t just a statistic—it’s a call to action. With millions of homes needed to meet demand, developers are under pressure to deliver quickly and cost-effectively. Our enhanced EasyBuild program equips you to do just that by providing the capital to break ground faster and build smarter. Whether you’re developing a single-family home in a hot market or a multifamily complex to serve growing rental demand, Easy Street Capital is here to provide the financing you need to build your success.
Why Choose Easy Street Capital?
Based in Austin, Texas, Easy Street Capital is a trusted private lender with a nationwide presence. We specialize in fast, reliable financing for real estate investors, combining competitive rates with personalized service. Our team understands the challenges of ground-up construction and works closely with you to structure loans that align with your vision.
Ready to take your next construction project to new heights? Click the buttons below to explore the EasyBuild program, apply for financing, or learn about our other lending solutions for real estate investors.
Learn About EasyBuild Construction Financing
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