Best DSCR Lender - Easy Street Capital

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Best DSCR Lender - Easy Street Capital

Robin SimonBusiness Member
Lender · Austin, TX · Member since 2022 · 5k+ posts · 4k+ votes

Why is Easy Street Capital the BEST DSCR Lender?

👉EASY Qualification!

✅No DTI (Debt-To-Income) Requirement
✅No Tax Returns Required
✅No Income Verification

👉Flexible Structure

✅ Borrow through an LLC, individually or with Partners
✅Invest in High-End Properties, >5X higher limits vs. conventional ($3.5M vs. $647k 2022 max loan amount)
✅No Concentration Limits (Conventional - Freddie/Fannie - hard limit at 10 loans)

👉Industry Leading Rates and Terms

✅Rates Starting at 6.750%
✅30-Year Fixed Rate Terms (10 Years Interest Only Available)
✅Multifamily and Mixed Use up to 10 units

👉Most Aggressive Min/Max Metrics

✅No Minimum DSCR (sub 1.00x OK)
✅620 Minimum FICO
✅Up to 80.0% LTV

👉BEST for Short Term Rental Investors

✅ Qualify with AirDNA Projections
✅Up to 80.0% LTVs (only 20% down on purchases)
✅Tertiary / Vacation Markets OK

👉BEST for BRRRR Investors

✅ Close in 48 Hours no Appraisal Required (beat Cash Offers)
✅ Up to 100% of your investment returned in as little as 3 months
✅Refinance 70% of ARV (3-6 months) or 75% of ARV (6+ months)

Ready to Get Started or Learn More?
DM Me and lets talk!

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QUICK DSCR WEB APP:

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  • Lender · Member since 2023 · 36 posts · 14 votes
    3y

    @Robin Simon your image says rates start at 6.75% - to get to that low interest rate how many points will it cost me for a SFR refi ?

    Also what is the lowest interest rate and points that one can get for a cash out REFI 75% LTV, DSCR=1, FICO=800 (without paying the interest down).

    I know that interest rates change , the above question is for today.

    Thanks

  • Robin SimonBusiness Member
    OP
    Lender · Austin, TX · Member since 2022 · 5k+ posts · 4k+ votes
    3y
    Quote from @Sharon Mittelman:

    @Robin Simon your image says rates start at 6.75% - to get to that low interest rate how many points will it cost me for a SFR refi ?

    Also what is the lowest interest rate and points that one can get for a cash out REFI 75% LTV, DSCR=1, FICO=800 (without paying the interest down).

    I know that interest rates change , the above question is for today.

    Thanks


     Would be happy to connect you with a loan specialist to walk through multiple options and structuring:

    Ballpark - your scenario is likely looking at 8% and a couple points, we would allow a buy down on that scenario down to 6.875% with 6 points.  To get 6.75% lower points would need to be lower leverage and better cash flow most likely

  • Lender · Member since 2023 · 36 posts · 14 votes
    3y

    Thanks @Robin Simon I'm good for now. I get 8% with just one point.

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