Published terms, read October 29, 2026
Easy Street Capital vs Temple View Capital: published loan terms side by side
DSCR floor: Easy Street no minimum, Temple View 0.75x. On a $2,000 monthly payment (principal, interest, taxes, insurance and HOA), Easy Street sets no floor; Temple View needs at least $1,500 of rent. Below is everything else each one publishes on its own website, term by term.
The two lenders
Easy Street Capital
Investor lender with three programs: EasyRent (DSCR), EasyFix (fix and flip) and EasyBuild (construction).
Temple View Capital
Private portfolio lender to residential real estate investors, headquartered in Bethesda, Maryland. Its footer dates Temple View Capital, LLC to 2012 and the lending entity, Temple View Capital Funding, LP, to 2016.
The differences that change a deal
- Credit on rentals: Easy Street publishes a 640 minimum, Temple View 660.
- States: Temple View excludes Vermont, which Easy Street does not list as excluded.
- Easy Street publishes terms for rental portfolio (blanket) loans; Temple View publishes no terms of its own for them.
- Smallest DSCR loan: $100,000 at Easy Street, $55,000 at Temple View.
- Largest DSCR loan: $3.5 million at Easy Street, $2.5 million at Temple View.
- Units on one rental loan: up to 10 at Easy Street, up to 4 at Temple View.
- Largest construction loan: $5 million at Easy Street, $7.5 million at Temple View.
- Largest flip loan: $5 million at Easy Street, $6 million at Temple View.
- Borrowing entity: Easy Street: LLC recommended; borrowing as an individual is allowed in most states. Owners above 25% sign a full guaranty. Temple View: business entity required. Properties must be held in an approved entity such as an LLC or corporation, not in a personal name.
DSCR rental loans
| Term | Easy Street Capital | Temple View Capital |
|---|---|---|
| Loan amount | $100,000 to $3,500,000+ | $55,000 to $2,500,000 |
| Max LTV (purchase) | Up to 80% LTV (75% cash-out) | Up to 80% LTV |
| Min FICO | 640 | 660 |
| Min DSCR | No minimum | 0.75x on long-term rentals; 1.0x on short-term rentals |
| Experience | Not required | Not published |
| Property types | 1-10 units | Single family, 2-4 units, condos, townhomes, PUDs (non-owner-occupied) |
Fix and flip loans
| Term | Easy Street Capital | Temple View Capital |
|---|---|---|
| Loan amount | $75,000 to $5,000,000+ | $75,000 to $6,000,000 |
| Purchase | Up to 93% LTC | Up to 90% LTV |
| Rehab | Not published | Up to 100% (rehab budget 100% funded) |
| Max ARV | Up to 75% of ARV | Up to 75% of ARV |
| Min FICO | 600 | Not published for rehab loans (bridge loans require 660) |
| Experience | First-time flippers considered | Not published (experience is an underwriting factor) |
| Term | 6 to 18 months | Up to 24 months |
Ground-up construction loans
| Term | Easy Street Capital | Temple View Capital |
|---|---|---|
| Loan amount | $75,000 to $5,000,000+ | $200,000 to $7,500,000 |
| Max LTC | Up to 90% LTC | Up to 90% of total cost |
| Max ARV | Up to 75% of ARV | Up to 75% of ARV |
| Min FICO | 680 | Not published |
| Experience | Not published | Required (program is for experienced builders and investors) |
| Term | 9 to 24 months, with extensions | 12 to 24 months |
Easy Street Capital also publishes rental portfolio (blanket) loans; Temple View Capital does not.
States and borrower rules
| Lender | Where it lends | Borrowing entity | Foreign nationals |
|---|---|---|---|
| Easy Street Capital | Rental loans in every state except North Dakota and South Dakota, rural included. Flip and construction loans are not offered in Louisiana, Minnesota, North Dakota, South Dakota or some metros, including Baltimore, Chicago and Detroit. [src][src][src] | LLC recommended; borrowing as an individual is allowed in most states. Owners above 25% sign a full guaranty. [src] | Resident aliens eligible. Foreign nationals living abroad are eligible when the borrowing LLC is at least 50% owned by US citizens or green card holders. [src] |
| Temple View Capital | 47 states. North Dakota, South Dakota and Vermont are excluded; other states may be approved by exception. Its licensing note says some services may not be available to Nevada customers. [src][src] | Business entity required. Properties must be held in an approved entity such as an LLC or corporation, not in a personal name. [src][src][src][src] | Eligible on DSCR rental loans (the DSCR page says it is now lending to foreign nationals). Not stated for the other programs. [src] |
For reference: our programs next to both
Doors Funded programs are arranged by Janover Capital LLC, which is paid when they close. They are shown separately so the comparison above stays between the two lenders.
| Lender | Loan amount | Max LTV (purchase) | Min FICO | Min DSCR | Experience | Source |
|---|---|---|---|---|---|---|
| Doors FundedOur programs, arranged by Janover Capital LLC, which is paid when they close | $75,000 to $2,000,000 | Up to 80% LTV (75% cash-out) | 660 | 1.05x | Not required | terms |
| Easy Street Capital | $100,000 to $3,500,000+ | Up to 80% LTV (75% cash-out) | 640 | No minimum | Not required | [1] |
| Temple View Capital | $55,000 to $2,500,000 | Up to 80% LTV | 660 | 0.75x on long-term rentals; 1.0x on short-term rentals | Not published | [1][2][3] |
| Lender | Loan amount | Purchase | Rehab | Max ARV | Min FICO | Experience | Term | Source |
|---|---|---|---|---|---|---|---|---|
| Doors FundedOur programs, arranged by Janover Capital LLC, which is paid when they close | $50,000 to $3,000,000 | Up to 90% of price | Up to 100% | Up to 75% of ARV | Quoted per loan | None required | 12 months; 18 months case by case | terms |
| Easy Street Capital | $75,000 to $5,000,000+ | Up to 93% LTC | Not published | Up to 75% of ARV | 600 | First-time flippers considered | 6 to 18 months | [1] |
| Temple View Capital | $75,000 to $6,000,000 | Up to 90% LTV | Up to 100% (rehab budget 100% funded) | Up to 75% of ARV | Not published for rehab loans (bridge loans require 660) | Not published (experience is an underwriting factor) | Up to 24 months | [1][2] |
If neither fits
Sources
- Easy Street Capital: EasyRent DSCR loans. Read October 24, 2026.
- Easy Street Capital: EasyFix fix and flip loans. Read October 24, 2026.
- Easy Street Capital: EasyBuild construction loans. Read October 24, 2026.
- Temple View: DSCR loan program. Read October 29, 2026.
- Temple View: Rehab (fix and flip) loans. Read October 29, 2026.
- Temple View: Bridge loans. Read October 29, 2026.
- Temple View: Ground up construction. Read October 29, 2026.
- Temple View: FAQs. Read October 29, 2026.
- Temple View: Homepage and licensing footer. Read October 29, 2026.
Have a deal in hand?
Send the numbers. We check them against our programs and tell you plainly whether the deal fits.