Published terms, read October 24, 2026

LendingOne vs Easy Street Capital: published loan terms side by side

DSCR floor: LendingOne 0.75x, Easy Street no minimum. On a $2,000 monthly payment (principal, interest, taxes, insurance and HOA), LendingOne needs at least $1,500 of rent; Easy Street sets no floor. Below is everything else each one publishes on its own website, term by term.

Compare with your deal All lenders compared

LendingOne

Investor lender offering DSCR, fix-and-flip, construction, fix-to-rent and SFR portfolio loans.

Easy Street Capital

Investor lender with three programs: EasyRent (DSCR), EasyFix (fix and flip) and EasyBuild (construction).

The differences that change a deal

States: LendingOne excludes Alaska and Nevada, which Easy Street does not list as excluded.
Flip purchase advance: up to 92.5% at LendingOne, 93% at Easy Street.
Smallest DSCR loan: $85,000 at LendingOne, $100,000 at Easy Street.
Largest DSCR loan: $2 million at LendingOne, $3.5 million at Easy Street.
Units on one rental loan: up to 4 at LendingOne, up to 10 at Easy Street.
Largest construction loan: $40 million at LendingOne, $5 million at Easy Street.
Largest portfolio loan: $3 million at LendingOne, $5 million at Easy Street.
Largest flip loan: $3 million at LendingOne, $5 million at Easy Street.
Borrowing entity: LendingOne: required: LLC, limited or general partnership, corporation or revocable trust. Easy Street: LLC recommended; borrowing as an individual is allowed in most states. Owners above 25% sign a full guaranty.

DSCR rental loans

From each lender's own site, read October 24, 2026. Conditions for each figure are on the lender pages.
Term	LendingOne	Easy Street Capital
Loan amount	$85,000 to $2,000,000	$100,000 to $3,500,000+
Max LTV (purchase)	Up to 80% LTV (75% cash-out)	Up to 80% LTV (75% cash-out)
Min FICO	Not published	640
Min DSCR	0.75x	No minimum
Experience	Not published	Not required
Property types	Single family, 2-4 units, condos, townhouses	1-10 units

Fix and flip loans

From each lender's own site, read October 24, 2026. Conditions for each figure are on the lender pages.
Term	LendingOne	Easy Street Capital
Loan amount	$100,000 to $3,000,000	$75,000 to $5,000,000+
Purchase	Up to 92.5% LTC	Up to 93% LTC
Rehab	Up to 100%	Not published
Max ARV	Not published	Up to 75% of ARV
Min FICO	Not published	600
Experience	Not published	First-time flippers considered
Term	12 to 24 months	6 to 18 months

Ground-up construction loans

From each lender's own site, read October 24, 2026. Conditions for each figure are on the lender pages.
Term	LendingOne	Easy Street Capital
Loan amount	Up to $40,000,000	$75,000 to $5,000,000+
Max LTC	Up to 90% LTC	Up to 90% LTC
Max ARV	Up to 70% of ARV	Up to 75% of ARV
Min FICO	Not published	680
Experience	At least one ground-up project in the last 36 months	Not published
Term	12 to 24 months	9 to 24 months, with extensions

Rental portfolio (blanket) loans

From each lender's own site, read October 24, 2026. Conditions for each figure are on the lender pages.
Term	LendingOne	Easy Street Capital
Loan amount	Up to $3,000,000	$225,000 to $5,000,000
Max LTV	Up to 80% LTV (75% cash-out)	Up to 80% LTV (75% cash-out)
Min DSCR	1.00x	No minimum
Min FICO	Not published	640

States and borrower rules

Lender	Where it lends	Borrowing entity	Foreign nationals
LendingOne	Every state except Alaska, Nevada, North Dakota and South Dakota. [src]	Required: LLC, limited or general partnership, corporation or revocable trust. [src]	Not published
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]

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.

DSCR rental loans. Lender figures read October 24, 2026.
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
LendingOne	$85,000 to $2,000,000	Up to 80% LTV (75% cash-out)	Not published	0.75x	Not published	[1]
Easy Street Capital	$100,000 to $3,500,000+	Up to 80% LTV (75% cash-out)	640	No minimum	Not required	[1]

Fix and flip loans. Lender figures read October 24, 2026.
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
LendingOne	$100,000 to $3,000,000	Up to 92.5% LTC	Up to 100%	Not published	Not published	Not published	12 to 24 months	[1]
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]

If neither fits

Sources

LendingOne: DSCR rental loans. Read October 24, 2026.
LendingOne: fix and flip loans. Read October 24, 2026.
LendingOne: new construction loans. Read October 24, 2026.
LendingOne: SFR portfolio loans. Read October 24, 2026.
LendingOne: FAQs. Read October 24, 2026.
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.