Easy Street Capital
Easy Street Capital is the pure-play STR lender. Their EasyRent program is designed specifically for Airbnb and VRBO investors, accepting actual STR revenue history as the basis for DSCR qualification. They do not publish a minimum DSCR requirement, which suggests quote-based underwriting where each deal is evaluated individually rather than against a rigid grid. That flexibility is valuable for STR deals with irregular income patterns. Coverage spans 48 states. The downside: limited public documentation means you need to call for terms.
- EasyRent program built specifically for STR investors
- Accepts STR revenue history for DSCR qualification
- No published DSCR floor (quote-based, flexible underwriting)
- 48-state coverage
Loan requirements
| Minimum DSCR | Not disclosed |
| Minimum FICO | Not disclosed |
| Max LTV (purchase) | Not disclosed |
| Max LTV (cash-out) | Not disclosed |
| Min loan amount | Not disclosed |
| Max loan amount | Not disclosed |
| Prepayment penalty | varies |
| BRRRR seasoning | Not disclosed |
Programs and coverage
| Short-term rentals (STR) | Yes |
| Foreign nationals | Not disclosed |
| State coverage | 48 states |
| Channel | Direct to investor |
Best for
- Short-term rental (Airbnb/VRBO) investors
How Easy Street Capital compares
Across the 16 DSCR lenders in our database:
- STR program available. 12 of 16 lenders in our dataset accept short-term rentals.
For a full side-by-side comparison, see the lender comparison matrix. Or use the DSCR loan qualifier to find which lenders match your specific deal.
Run your numbers
Before reaching out to Easy Street Capital, model your deal:
- DSCR Calculator to verify your property's debt service coverage ratio
- DSCR Loan Calculator to estimate monthly payments and qualification
- Airbnb/STR DSCR Calculator to model short-term rental income scenarios
- Cash-Out Refi Calculator to see how much equity you can pull out
Frequently asked questions
Is Easy Street Capital a good DSCR lender?
Easy Street Capital is a legitimate DSCR lender with terms last verified on 2026-06-11. Whether they are a good fit depends on your specific deal. Compare their terms against 2-3 other lenders before committing.
What is the minimum credit score for Easy Street Capital?
Easy Street Capital does not publicly disclose a minimum FICO requirement. Contact them directly for qualification criteria.
Does Easy Street Capital do short-term rental loans?
Yes, Easy Street Capital offers DSCR loans for short-term rentals (Airbnb, VRBO). STR programs typically come with slightly lower max LTV and potentially higher DSCR requirements compared to long-term rental programs.
Does Easy Street Capital work with foreign national investors?
Easy Street Capital has not publicly disclosed whether they offer foreign national programs.
What states does Easy Street Capital lend in?
Easy Street Capital's coverage: 48 states. DSCR lender state coverage changes over time based on licensing and regulatory requirements. Always confirm your state is covered before starting an application.
What is the prepayment penalty at Easy Street Capital?
Easy Street Capital's prepayment penalty structure is: varies. Compare this against other lenders if you might exit within the penalty period.