Published terms, read October 24, 2026
Easy Street Capital loan terms
Investor lender with three programs: EasyRent (DSCR), EasyFix (fix and flip) and EasyBuild (construction).
Easy Street: DSCR rental loans
| Term | Easy Street Capital | Doors Funded programs |
|---|---|---|
| Loan amount | $100,000 to $3,500,000+ | $75,000 to $2,000,000 |
| Max LTV (purchase) | Up to 80% LTV (75% cash-out) | Up to 80% LTV (75% cash-out) |
| Min FICO | 640 | 660 |
| Min DSCR | No minimum | 1.05x |
| Experience | Not required | Not required |
| Property types | 1-10 units | Single family, 2-4 units, townhomes, PUDs, warrantable condos |
Conditions: Rural properties capped at 65% LTV. Minimum appraised value $100,000. 30-year fixed, some 5-year hybrid ARMs, 10-year partial interest-only. [1]
Easy Street: Fix and flip loans
| Term | Easy Street Capital | Doors Funded programs |
|---|---|---|
| Loan amount | $75,000 to $5,000,000+ | $50,000 to $3,000,000 |
| Purchase | Up to 93% LTC | Up to 90% of price |
| Rehab | Not published | Up to 100% |
| Max ARV | Up to 75% of ARV | Up to 75% of ARV |
| Min FICO | 600 | Quoted per loan |
| Experience | First-time flippers considered | None required |
| Term | 6 to 18 months | 12 months; 18 months case by case |
Conditions: Single family and 2-8 units. Easy Street sets value with an in-house valuation. [1]
Easy Street: Ground-up construction loans
| Term | Easy Street Capital | Doors Funded programs |
|---|---|---|
| Loan amount | $75,000 to $5,000,000+ | $50,000 to $3,000,000 |
| Max LTC | Up to 90% LTC | Up to 85% of cost (90% with 3+ similar projects) |
| Max ARV | Up to 75% of ARV | Up to 70% of completed value |
| Min FICO | 680 | Quoted per loan |
| Experience | Not published | 1-2 prior ground-up builds |
| Term | 9 to 24 months, with extensions | 12 months, up to 18 (up to 24 for experienced builders) at the lender's discretion |
Conditions: 1-10 units. [1]
Easy Street: Rental portfolio (blanket) loans
| Term | Easy Street Capital | Doors Funded programs |
|---|---|---|
| Loan amount | $225,000 to $5,000,000 | Up to $2,000,000; each property worth at least $72,000 |
| Max LTV | Up to 80% LTV (75% cash-out) | Up to 80% LTV (75% cash-out) |
| Min DSCR | No minimum | 1.05x |
| Min FICO | 640 | 680 |
Conditions: Blanket loan of 3 or more properties, all in the same state; each property worth at least $75,000. [1]
Where Easy Street lends and who can borrow
| Lender | Where it lends | Borrowing entity | Foreign nationals |
|---|---|---|---|
| Doors FundedOur programs, arranged by Janover Capital LLC | 47 states and Washington, DC. Not available in North Dakota, South Dakota or Vermont. | Business entity (LLC or corporation); full recourse | DSCR: Eligible, up to 65% LTV. Fix and flip: Eligible (some countries excluded). Construction: Eligible. |
| 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] |
Who Easy Street fits, on its published terms
- Lower credit scores: 640 on rentals and 600 on flips.
- Rentals that do not cover the payment: there is no minimum DSCR, and rural properties are eligible at up to 65% LTV.
- Rentals up to 10 units, and flips up to 8 units.
Check these before you apply
- Flip and construction loans are not offered in Louisiana, Minnesota, North Dakota, South Dakota or some metros, including Baltimore, Chicago and Detroit.
- A blanket portfolio loan needs 3 or more properties in the same state.
- Construction loans need a 680 score.
Where our programs differ
- Credit: Easy Street's rental minimum is 640; our program 660.
- DSCR: Easy Street has no minimum; our program needs 1.05x.
- Rural: Easy Street lends on rural rentals at up to 65% LTV; our DSCR program does not lend on rural properties.
Neither column is a quote. Every lender prices each deal, and the term sheet you get is what counts. If your deal sits near a limit in either column, send it and we will tell you which side of the line it falls on.
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.
Have a deal in hand?
Send the numbers. We check them against our programs and tell you plainly whether the deal fits.