Easy Street Capital DSCR Loan Review 2026

Easy Street Capital, based in Austin, TX, has quickly become a favorite among DSCR investors who need flexible underwriting. Their willingness to go down to 0.75 DSCR and 640 credit scores makes them one of the most accessible DSCR lenders in the market — ideal for value-add investors and borrowers with imperfect credit.

Easy Street Capital DSCR Overview

Key Terms

Pros

1. Lowest Credit Score Minimum

640 is lower than most DSCR competitors (660–680 typical). This opens DSCR investing to borrowers still building or rebuilding credit.

2. Sub-1.0 DSCR Accepted

Going to 0.75 DSCR means properties that don't quite cover their debt service can still get financed. Ideal for value-add properties where rents will increase after renovations.

3. Fastest Closing in the Industry

14–21 days is remarkably fast. For competitive markets or deals with tight timelines, Easy Street's speed is a major advantage.

4. No-PPP Option Available

One of the few DSCR lenders offering a no prepayment penalty option. You'll pay higher rates and points, but the flexibility to sell or refinance anytime without penalty is valuable for BRRRR and short-hold investors.

5. Texas-Based With National Coverage

Headquartered in Austin, Easy Street understands Texas real estate deeply and lends nationwide. Texas investors get particularly responsive service.

Cons

1. Higher Points at Lower Tiers

While rates start competitively at 7.25%, borrowers with 640–680 credit or sub-1.0 DSCR pay 2.0–2.5 points. On a $200,000 loan, that's $4,000–$5,000 in origination fees.

2. Rate Premiums for Flexibility

The no-PPP option and sub-1.0 DSCR come with rate adjustments of 0.50–1.00%. The flexibility isn't free.

3. Limited Property Types

Standard residential only: SFR, 2–4 unit, condos, townhomes. No 5+ unit, commercial, or manufactured homes.

4. Less Brand Recognition

Newer and smaller than Kiavi or Roc Capital. Not a concern for loan quality, but some borrowers prefer established names.

Who Easy Street Capital Is Best For

• Credit-challenged investors (640–680 scores)
• Value-add investors with sub-1.0 DSCR properties
• BRRRR investors who need no-PPP flexibility
• Time-sensitive deals requiring 14–21 day close
• Texas-based investors (local expertise)

How Easy Street Compares

Easy Street wins on flexibility (credit, DSCR, PPP, speed). Competitors may win on rate for borrowers with strong profiles.

Frequently Asked Questions

Is Easy Street Capital safe to work with?

Yes. They're a legitimate private lender with industry track record. Loans are funded and serviced professionally.

Can I get a no-PPP loan with sub-1.0 DSCR and 640 credit?

Possibly, but expect the rate and points to stack. Each risk factor adds a premium. A 640 credit, 0.85 DSCR, no-PPP loan might be 9.0% with 2.5 points. Run the numbers to confirm it still works.

Does Easy Street offer blanket loans?

Not currently — individual property loans only.

How do I apply?

Through their website or by calling their loan team. The process is straightforward: application, rate quote, appraisal, underwriting, close.

The Bottom Line

Easy Street Capital is the most flexible DSCR lender in the market. If you have credit challenges, sub-1.0 DSCR deals, or need to close in under 3 weeks, they're likely your best option. The trade-off is paying more in rates and points for that flexibility — but for deals that other lenders decline, Easy Street gets them done.

Compare DSCR lender options at HonestCasa.