Published terms, read October 24, 2026

Lima One Capital vs Easy Street Capital: published loan terms side by side

A first flip is the biggest split. Easy Street publishes no experience minimum; Lima One requires one exit in the last 36 months. Below is everything else each one publishes on its own website, term by term.

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Lima One Capital

Investor lender with offices in Greenville, South Carolina and Irvine, California, offering rental, fix-and-flip, construction and multifamily loans.

Easy Street Capital

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

The differences that change a deal

DSCR floor: Lima One 1.00x, Easy Street no minimum. On a $2,000 monthly payment (principal, interest, taxes, insurance and HOA), Lima One needs at least $2,000 of rent; Easy Street sets no floor.
Credit on rentals: Lima One publishes a 660 minimum, Easy Street 640.
Flip purchase advance: up to 95% at Lima One, 93% at Easy Street.
Easy Street publishes terms for rental portfolio (blanket) loans; Lima One publishes no terms of its own for them.
Smallest DSCR loan: $85,000 at Lima One, $100,000 at Easy Street.
Credit on flips: 660 at Lima One, 600 at Easy Street.
Largest DSCR loan: $2.5 million at Lima One, $3.5 million at Easy Street.
Units on one rental loan: up to 9 at Lima One, up to 10 at Easy Street.
Borrowing entity: Lima One: LLC or similar entity required for business-purpose rental loans. 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	Lima One Capital	Easy Street Capital
Loan amount	$85,000 to $2,500,000	$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	660	640
Min DSCR	1.00x	No minimum
Experience	Not required	Not required
Property types	Single family, 2-9 units, warrantable condos	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	Lima One Capital	Easy Street Capital
Loan amount	$100,000 to $5,000,000	$75,000 to $5,000,000+
Purchase	Up to 95% LTC	Up to 93% LTC
Rehab	Up to 100%	Not published
Max ARV	Up to 75% of ARV	Up to 75% of ARV
Min FICO	660	600
Experience	One exit in the last 36 months	First-time flippers considered
Term	13, 19 or 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	Lima One Capital	Easy Street Capital
Loan amount	$100,000 to $5,000,000	$75,000 to $5,000,000+
Max LTC	Up to 90% LTC	Up to 90% LTC
Max ARV	Up to 75% of ARV	Up to 75% of ARV
Min FICO	Not published	680
Experience	Required: ground-up (on title or as GC) or fix-and-flip	Not published
Term	19 or 24 months	9 to 24 months, with extensions

Easy Street Capital also publishes rental portfolio (blanket) loans; Lima One Capital does not.

States and borrower rules

Lender	Where it lends	Borrowing entity	Foreign nationals
Lima One Capital	46 states and Washington, DC. The excluded states are not listed on the pages read. [src]	LLC or similar entity required for business-purpose rental loans. [src]	Eligible for rental, fix-and-flip and construction loans, including borrowers without a US credit score. [src][src][src]
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
Lima One Capital	$85,000 to $2,500,000	Up to 80% LTV (75% cash-out)	660	1.00x	Not required	[1][2]
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
Lima One Capital	$100,000 to $5,000,000	Up to 95% LTC	Up to 100%	Up to 75% of ARV	660	One exit in the last 36 months	13, 19 or 24 months	[1][2]
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

Lima One: rental loans. Read October 24, 2026.
Lima One: rental loan detail. Read October 24, 2026.
Lima One: fix and flip loans. Read October 24, 2026.
Lima One: fix and flip detail. Read October 24, 2026.
Lima One: new construction loans. Read October 24, 2026.
Lima One: new construction detail. Read October 24, 2026.
Lima One: rental portfolio loans. 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.