EasyBuild is the perfect solution for home builders. All construction loans are serviced in-house from start to finish providing a unique level of exceptional customer service in the real estate investing industry. We understand the importance of getting paid on time and want to ensure that your construction project is completed as quickly and efficiently as possible. Our new construction program is incredibly easy to navigate and we as a company, want you to succeed by making the process incredibly straightforward and easy.

Program Terms

Easy Street Capital provides hard money construction loans for developers building residential properties. The New Construction Program is the right fit if you are tearing down an existing home to build new construction or are simply purchasing a lot to build on. With any construction project it is important to have a timely financing partner. Easy Street Capital prides itself on delivering an exceptional level of service for our borrowers and making sure that construction draws are processed in 48-72 hours. Making sure your contractors get paid on time is key to a successful project. Easy Street Capital looks forward to being your financing partner for your next construction project.

  1. Loan Size $75,000 - $2 Million Per Unit
  2. NO Prepayment Penalty
  3. 9-12 Month Term (w/ extension provisions)
  4. 10.9% - 11.9% Monthly Interest Only Payments
  5. Discounted pricing for repeat borrowers
  1. 3 Points
  2. $1495 Doc Fee
  3. Up to 85% Loan to Cost (LTC)
  4. Up to 65% Loan to Value (LTV)
  5. Geography: Nationwide (except LA, MN, MO, ND, NV, NY, SD)

Trustworthy and Great Services

I’ve worked with Amanda at Easy Street for a few years now. They’ve always been very competitive with rates, love their draw process and service is great. In a lending world where things change often, you need someone you can trust to deliver.

Robert W. | Apr 05, 2024

Fast and Reliable

I’ve used Easy Street on several deals as a broker myself. They have definitely been the fastest and most reliable hard money lender that I’ve come across. Dustin and the team always make sure that my clients and I are taken care of, even after closing.

Noah H. | Mar 15, 2024

Smooth and Easy Closings

I worked with Zach to secure a property and it was the easiest closing ever. Zach is the Michael Jordan of STR lending - he is the G.O.A.T. I will never work with another company besides easy street! They are the best!! Such a quick, smooth process. Highly recommend for any real estate investor!

Anish B. | Mar 05, 2024

Efficient and Transparent

Zach Edelman at East Street Capital was instrumental in our successful short-term rental investment purchase. His deep understanding of investment strategies and market nuances, combined with exceptional communication, made the process efficient and transparent. Zach's professionalism and dedication to client success make him an outstanding choice for any real estate investor! I’m planning to use Zach and Easy Streer Capital for future purchases and refinances. Thanks again team!⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️

K.T | Jan 05, 2024

Saved the Day!

My team and I recently had the pleasure of Zach Edelman from Easy Street Capital, and he and his team, Amanda Werth in particular were excellent. We used their DSCR loan program for an investment/ rental home and we turned to Zach after we spent nearly two months with another lender rep that simply promised and did not even know his own guidelines. But, Zach and Amanda saved the day, not only did Zach pull it off in record time, but he got us even better terms than we thought we could get prior. Zach and Amanda and their team were great to work with: they were very responsive, informative, friendly, and best of all they got it done. Thank you from the whole crew of mine... we will be back to do more business with this team for sure.

Derek P. | Dec 05, 2023


Had the pleasure of meeting the team at Easy Street Capital today and I must say, the experience was top-notch! Their professionalism and dedication shone through in our interaction. I'm genuinely excited about the possibilities and look forward to collaborating more with them in the future. Highly recommend!

Kameron Beckum | Nov 09, 2023

Great Communication

I had a very great experience working with Easy Street Capital. My loan officer Zachary and the Credit Analyst Abby worked diligently to get 3 loans done. There was always communication and updates which I really valued. Getting 3 loans done was a tough one but not for them. I appreciate both of them and can’t say enough about them. Highly recommended! Again, thank you.

Greg G. | Nov 05, 2023

A Breeze!

Working with Zach and team at EZ Street Capital was a breeze. They stayed on top of things and were very, very responsive. I plan to work with them again.

Edward C. | Oct 02, 2023

Responsive and Professional

I am SO glad I found Easy Street capital to help fund my first deal. I would highly recommend working with Amanda Hart. She was so responsive to my questions, professional and helped ease my "first time" jitters. The process was so much easier than I thought it would be. Thank you to Easy Street and their team of experts!

Lisa R. | Sep 28, 2023

There every step of the way!

Jarell was a great help every step of the way. He was very responsive anytime I reached out and to provide updates. I really felt like Jarell was doing everything in my best interest. I will use him for many more loans to come.

Anthony | Sep 26, 2023

Fast and Easy

This entire processes was so fast and easy. They turned the entire file around in less than a week and we were funded and closed with minimal prior to fund requirements. Jarell was very responsive as was the entire processing team. I will use them on all my investments!

Colleen Jacobsen | Sep 19, 2023

Around the Clock Service!

I have been working with Amanda Hart and I can't say enough about how wonderful she is. She was so helpful and answered any questions I had no matter what time of day. I would highly recommend!!!!

Kip R. | Sep 17, 2023

Easiest Draw Process!

It has been a pleasure working with Easy Street, not only do they make the entire process super easy, they are extremely quick with anything I have needed. They close super quick and have the easiest draw process for construction. Highly recommend Easy Street Capital. Amanda Hart who always helps me has great communication skills and has been there for anything I need. So thankful for Easy Street Capital, they have made my fix and flip loans extremely easy to work with and have made it one less thing to worry about in my Real Estate Career. Thank you once again Easy Street Capital!

Daniel V. | Sep 15, 2023

Great to Worth With!

They are really the truth!! Funded in 48hrs!!! Jarell and Samantha were great to work with!! Definitely would recommend

Emmanuel M. | Sep 10, 2023

Nothing but Great!

Great company to work with for hard money loans. I have two loans with them and have had nothing but a great experience. I recommend.

Monica A. | Sep 09, 2023

Communicative and Patient

Very easy and fast to work with. Stephen helped me throughout the process and was very communicative and patient with all my questions.

Akshay G. | Sep 09, 2023

Exactly what I Needed!

Amanda was super easy to work with and was able to do exactly what I needed. The rates were also very reasonable compared to other lenders I talked with. I am looking forward to doing my next project with Easy Street!

Jerry D. | Sep 08, 2023

Straightforward and Simple

Easy Street closed my deal in very short time after I fired the other lender for giving me the run around. The draw process was very straightforward and simple. Given this current high interest rate climate, they were easy to work with until I decided I found reasonable long term funding. I would use them again if I get stuck and need someone to close quickly. Amanda Hart is super fast!

Lorri W. | Sep 07, 2023

Responsive, Informative, Friendly

I worked with Zach Edelman from Easy Street Capital, and he and his team were simply excellent. I was looking to refinance my short term rental property and was working with another lender that simply could not provide what I needed. I turned to Zach 3 weeks before my loan was due. Not only did Zach pull it off in record time, but he got us even better terms than we thought we could get. Zach and his team were great to work with: they were responsive, quick, informative, friendly, and best of all they got it done. Thank you!

Andrew L. | Sep 07, 2023

A Rare Find

Behind every great company and service provider are the people who provide that service. Easy Street Capital is a wonderful example of this in todays competitive market. My representative is Amanda Hart and she is someone who works for you and does so with a drive and purpose that it makes you feel like she’s just as invested as we are in our success and that is a rare rare find today. I wish you the best of luck in your future deals which simply means that I hope you are lucky enough to work with Amanda to fund them all.

Demian P. | Sep 01, 2023

Extremely Responsive

Zach & Eli at Easy Street assisted with 2 purchases for me recently and were extremely responsive, very helpful in figuring out loan options to get me in the best financial positions for my goals right now, and great at navigating appraisal issues (which I expected - I am pretty well versed in real estate transactions and knew there would be an appraisal issue here, it was not anything that resulted from Easy Street's handling of the loan!) And did I mention extremely responsive?? Never had to wait to hear back from them when I had a question or requested an update!

Ashley D. | Aug 19, 2023

Honest and Fast

Perfect service. Honesty and fast!

Albeiro I. | Aug 16, 2023

You Won’t be Disappointed!

My partners found Easy Street Capital on the bigger pockets forum and I cannot express how great this lender is. Zach, my loan officer is VERY responsive, fast, and honest. They've made the process so easy compared to other lenders I've dealt with from the past. They have great rates & low minimum which really helps us in the area we are investing. Jill who does the back office work was awesome to work with as well. She answered all of my questions and assured me everything was going well. Definitely choose Easy Street Capital for you next loan/investment funding. I promise you will not be disappointed!!!

Milwaukee L. | Aug 15, 2023

My Lender of Choice!

Let me praise Stephen King. I had another lender promise a ten to day close and then extended to 20 days the day before closing. I knew who I had to call. Stephen took my call late this past Thursday, me out and didn't bat an eye. I gave his team heard everything they needed and they closed bridge in less than a 24 hours. You guys are my lender of choice now, no question. Stephen deserves acclaimation. This client was also my largest referral source and was his this personal deal Thank you for making me look like a hero!

Matthew B. | Aug 08, 2023

Smoothest Experience

Out of my 5 years in real investing my most recent transaction with Stephen King at Easy Street has been by far the smoothest experience. They were able to close my deal in 5 days, high level of professionalism and communication. Would recommend to anyone.

Horace H. | Aug 08, 2023

Offering Guidance

I can honestly say that Easy Street Capital was a delight to work with!! Everyone was so kind and helpful while going through the process of my hard money loan. I was surprised by how “easy” they were to work with as a newbie and even with unforeseen delays they were patient and cooperated in a professional manner. Amanda Hart was my initial contact and she is amaZing to work with!! She was my initial draw to the company and why I decided to move forward on my loan. I had and have immense confidence in this woman to guide and direct me as she would do her very own family member. I highly HIGHLY recommend her and this company for your hard money needs!!!! Find out how for yourself how “easy” Easy Street can be! Contact Amanda Hart!

Nina J. | Aug 05, 2023

Go-To Lender

I wouldn’t go anywhere else to fund my deals.

Juan G. | Sep 21, 2022

An Outstanding Job!

I used Zach Edelman to refinance my hard money loan into a short-term rental mortgage. He and his team did an outstanding job 👏 it was quick, easy and at good rates. Highly recommend for anyone looking to do so.

Austin C. | Aug 08, 2022

New Construction Recent Fundings

Easy Street Capital has a proven track record of success exceeding the expectations of our new construction borrowers.

New Construction

Nashville, TN

Loan Amount / $212,000
LTC / 45%

Construction Funding / $0
LTV / 38%

Initial Funding / $212,000

New borrower: Borrower funded renovation–converted existing structure into a 3 bed, 2 bath in Nashville, TN.

New Construction

Austin, TX

Loan Amount / $835,000
LTC / 73%

Construction Funding / $800,000
LTV / 58%

Initial Funding / $35,000

Borrower planning to build a 2300 sqft 3 bed/3 bath main house and a 1300 sqft 2 bed/1 bath ADU with initial equity for the project.

New Construction

Nashville, TN

Loan Amount / $816,000
LTC / 85%

Construction Funding / $575,000
LTV / 64%

Initial Funding / $241,000

Local architect taking on their first EasyBuild project.

New Construction FAQs


Real estate investors use hard money primarily for speed, higher leverage, and greater flexibility. Borrowers use Easy Street Capital for the reasons mentioned previously but also because of our relationship focus and reliability - capital you can count on!

Easy Street Capital prides itself on reliability. Our borrowers know that the terms we issue up front are the same terms at funding. Easy Street Capital will review your application and provide you with an EasyBuild loan term sheet within 24 hours. No surprises! No junk fees! Easy Street Capital is truly an asset-based lender.

We lend nationwide with a few exceptions. See map for details: Where We Lend

Easy Street Capital's EasyBuild program requires a minimum credit score of 680.

Interest rates range from 10.9%-11.9%, 1.5-3 points, and a $1495 document fee. Please inquire about custom terms for experienced borrowers.

A “Point” is a fee on a loan that is incurred at the time of funding. A point is equivalent to 1% of the total loan amount.

This will vary based on the particular loan, but typically the borrower will have to put in a down payment of at least 15% for a ground-up construction loan.

Easy Street Capital determines Loan To Value (LTV) calculations based on our in-house valuation of the property. In most cases the max LTV is 65% for our EasyBuild program.

Yes, our loans can fund the purchase and the new construction costs.

No, we do not have prepayment penalties on ground-up construction loans.

Easy Street Capital has full discretion which allows us to fund your loan in as little as 48 hours if all parties are prepared to close.

Yes. Every property we lend on is required to carry title, liability, and hazard insurance.

You can apply for a loan by filling out the 1-minute loan app. Click here to get started!

Draw Request FAQs


Statement on draw requests: Initiating a draw request is essential when it comes to obtaining funds for your project and keeping it moving forward. At Easy Street Capital, we understand transparency and clear communication are crucial, so we have compiled a list of frequently asked questions to address some of the most common inquiries below. We are committed to providing you with the support and guidance you need throughout the draw request process. We understand that construction projects can be complex, and our team is here to address any questions or concerns you may have. Together, we can ensure the success of your project.

You will submit your draw request form with all supporting documents such as invoices and/or receipts to draws@easystreetcap.com.

Easy Street Capital will generate and provide a link to our inspection phone app. This app will be used to take photos of progress at the property. A third-party inspection is available at borrower request or at Easy Street’s discretion.

1-2 business days from the time everything is provided to Easy Street.

You can take as many draws as necessary but there is a fee for each draw.

The draw request form is the scope of work completed prior to closing. The scope of work is used to identify what has been completed for each draw. Email draws@easystreetcap.com if you need a copy.

1. Filled out Scope of Work and Draw Request Form for the items being requested in this draw.

2. Receipts and invoices for the items being requested in the draw that equal or exceed the draw amount being requested.

3. Other information if applicable- copies of plans, permits and engineering.

When your draw request is reduced or adjusted, it is typically because the amount requested does not align with the progress of the construction and the remaining draw balance. Our goal is to ensure that the property is market-ready and that the funds are being allocated appropriately. By adjusting the draw reimbursement, it will allow the remaining draw balance to better support the construction cost remaining. Remember, the remaining draw balance always needs to be sufficient to complete the project. If the remaining work begins to exceed the remaining draw balance, Easy Street will need to pause or reduce draw fundings until alignment is reached.

The draw request amount is determined based on several factors, including the progress of the construction, remaining draw balance, verification of receipts/invoices and the level of completion required for the property to be market ready. Our team at Easy Street Capital carefully evaluates these factors to determine the appropriate amount for your draw request.

If you believe that your draw request was inaccurately reduced or adjusted, we encourage you to reach out to our team We understand that there are unique circumstances that need to be taken into consideration. Our experts will review your draw and work with you to try to find an agreeable resolution where possible.

To increase the chances of your draw request being approved in full, it is important to closely follow the construction schedule, provide detailed documentation of the progress, and maintain open communication with our team. By demonstrating your commitment to the project and keeping us informed, we can work together to ensure a smooth draw request process.

You will need to provide material receipts for the work completed and keep a record of labor amounts paid to each worker. Submit copies of digital payments for labor. Zelle, Venmo, Cashapp, and/or copies of checks.

Apply Today

Take the next step in your investment journey with a trusted, reliable lender that has your best interest in mind. Get in touch or request a quote today.