Easy Street Capital
A flexible DSCR rental program with no minimum DSCR, 640 minimum FICO, up to 80% LTV and financing for residential investment properties up to 10 units.
Program snapshot
Primary source: Easy Street EasyRent
Verified highlights
- No minimum DSCR on the current EasyRent program
- 640 minimum FICO
- Up to 80% LTV; $100k–$3.5M; 1–10 units
How this loan is actually underwritten
Current materials say pricing still depends heavily on DSCR, FICO and LTV. Expenses used for qualification include taxes, insurance and HOA dues.
Public material reviewed did not establish a universal direct-vs-AMC rule for EasyRent.
Easy Street says borrowers may pay additional points/closing fees to buy down the rate. A complete current fixed fee schedule was not publicly disclosed in the sources reviewed.
Reserve requirement varies by scenario.
Common structure is 5/4/3/2/1; 3/2/1, 2/1 and no-PPP options may also be available.
Easy Street explicitly identifies these as pricing inputs.
Last verified: Aug. 23, 2026 · Source: EasyRent program
Best fit
- Flexible DSCR scenarios
- First-time investors
- Short-term rentals
- Rental acquisitions
What to verify
- No stated minimum DSCR does not mean DSCR is irrelevant; pricing and leverage still depend on DSCR, FICO and LTV.
- Rural properties and cash-out refinances have lower leverage limits.