Published terms, read October 24, 2026

Visio Lending vs Easy Street Capital: published loan terms side by side

Credit on rentals: Visio Lending publishes a 680 minimum, Easy Street 640. Below is everything else each one publishes on its own website, term by term.

Compare with your deal All lenders compared

Visio Lending

Austin-based lender, founded in 2012, that makes DSCR loans only, on long-term and short-term rentals.

Easy Street Capital

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

The differences that change a deal

Leverage on a rental purchase: up to 85% at Visio Lending, 80% at Easy Street, which is 5 points of down payment on the same house.
Easy Street publishes terms for fix and flip loans; Visio Lending publishes no terms of its own for them.
Easy Street publishes terms for ground-up construction loans; Visio Lending publishes no terms of its own for them.
Easy Street publishes terms for rental portfolio (blanket) loans; Visio Lending publishes no terms of its own for them.
DSCR floor: Easy Street publishes no minimum (ratios below 1.00x are allowed); Visio Lending does not publish a floor, so ask before you order an appraisal.
Smallest DSCR loan: $75,000 at Visio Lending, $100,000 at Easy Street.

DSCR rental loans

From each lender's own site, read October 24, 2026. Conditions for each figure are on the lender pages.
Term	Visio Lending	Easy Street Capital
Loan amount	From $75,000 (maximum not published)	$100,000 to $3,500,000+
Max LTV (purchase)	Up to 85% LTV on a purchase	Up to 80% LTV (75% cash-out)
Min FICO	680	640
Min DSCR	Not published	No minimum
Experience	Not published	Not required
Property types	Single family rentals, long-term and short-term	1-10 units

Easy Street Capital also publishes fix and flip loans; Visio Lending does not. Easy Street Capital also publishes ground-up construction loans; Visio Lending does not. Easy Street Capital also publishes rental portfolio (blanket) loans; Visio Lending does not.

States and borrower rules

Lender	Where it lends	Borrowing entity	Foreign nationals
Visio Lending	Described as nationwide; the state map is not published as text. [src]	Optional (LLC or corporation), but required in GA, HI, IL, MA, NJ, NY, PA and VA. [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
Visio Lending	From $75,000 (maximum not published)	Up to 85% LTV on a purchase	680	Not published	Not published	[1][2][3][4]
Easy Street Capital	$100,000 to $3,500,000+	Up to 80% LTV (75% cash-out)	640	No minimum	Not required	[1]

If neither fits

Sources

Visio Lending: home page (state notes). Read October 24, 2026.
Visio Lending: 85% LTV purchase loans. Read October 24, 2026.
Visio Lending: long-term rental guide. Read October 24, 2026.
Visio Lending: DSCR 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.