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EasyFix

EasyFix is Easy Street Capital’s industry-leading hard money loan program for residential investment properties.  Whether you are looking for the traditional fix and flip loan for financing your next flip, a bridge loan on your investment property or starting another BRRRR strategy project, Easy Street Capital has the financing solution.

 

As billions of dollars of loan volume, the highest repeat borrower percentage in the country, and a sterling track record of reviews prove – Easy Street Capital is built on relationships and flexibility to work as a trusted partner to our borrowers with hard money loans tailored to individual markets and needs.

 

If you need a quick close, we can close in as little as 48 hours with no appraisals. If you are an experienced investor, we can offer max leverage up to 93% LTC including 100% of draws.

Program Terms

Easy Street Capital provides hard money loans for investors purchasing residential properties. We provide approval in less than 24 hours. As one of the top lenders for flipping houses, we have full discretion and the funds on hand to close quickly. Easy Street Capital prides itself on its customer service, ease of process, and speed. We look forward to helping you succeed by financing your next investment property.

  1. Loan Amount: $75K - $5M+
  2. Rates: Starting at 8.90%
  3. Term: 6-18 Months
    (with extension options)
  4. Payment: Interest Only
  5. Property Types: Residential (SFR & 2-4 Units)
  6. Fastest Draw Process in the Industry: 48 Hours
  7. Financing for Purchase and Renovation Costs
  1. Eligible States: Nationwide
    (except LA, MN, SD, ND, Baltimore, Chicago, Detroit)
  2. LTC: Up to 93% Loan to Cost
    (90% of Purchase, 100% of Rehab)
  3. LTV: Up to 75% Loan to Value
  4. Credit Score: 600 Minimum
  5. NO Appraisal Required
  6. NO Prepayment Penalty
  7. 0-2 Points
  8. $1,995 Doc Fee

Flexible Underwriting - Loans That Work For YOUR Scenario!

Need To Close Quick?

Our hard money loan program ideal for investors where speed is the most important variable. Winning deals is the most important part of any deal - nothing matters if you don't close the purchase! Perfect for flippers looking to move quickly, confident in quick closes and ability to beat cash offers in any market with no appraisals required and closes as quick as 48 hours. This option is available for first-time flippers too!

Looking For Max Leverage?

A brand new option for experienced investors aiming to maximize returns through max leverage, we now offer up to 93% LTC (including 100% of Rehab Budgets) allowing prolific expert flippers to put capital to work in maximum markets and projects. This option goes up to 75% LTV and has the quickest draw process in the industry!

Affordable Funding.

Great Source for inexpensive financing for your flips or bridge on residential property.

Jamison T. | Nov 21, 2025

Our Go-To Lender for Investor Deals.

Easy Street Capital has become our go-to first choice for our Investors. Tanner Lewis and his team are responsive and knowledgeable. We have a great working relationship and collaborate on how best to structure deals to insure fast closing with great terms.

David A. | Nov 14, 2025

Great Communication and Fast.

I have worked with Easy Street as a broker on a few deals now and everyone involved in the process is extremely easy to work with. The communication is great and they get things done extremely fast. AJ Weed is my account executive and his communication/attention to my questions and concerns is exceptional. My first deal I sent AJ, he was able to get to the closing table in essentially 24 hours. I was speechless after that the loan closed and will continue to send deals because I know their team will execute. I highly recommend working with AJ and Easy Street Capital.

Cole G. | Aug 07, 2025

Earned My Repeat Business.

I thought Brad at Easy street did a fantastic job guiding me through the process. He truly understands the real estate investor mind and their needs. I’ve recommended him to family members and fellow investors and will continue to do business with him and Easy Street as I continue to grow my real estate portfolio. They’ve earned my repeat business.

Robert B. | Jul 18, 2025

Easy, Secure, and On Time!

The final goal was reached, YAY! I had a positive experience with Easy Street Capital. This is a fantastic team who will make sure you reach that milestone. The tools they use are easy to follow and secure. A big THANK YOU to Raphael, Blake, and their QC team who made it happened timely. They provide competitive rates, pricing, and LTV ratios.

Jerry R. | Jul 04, 2025

100% Legit.

Easy Street Capital is 100% legit and came through when other lenders couldn’t. I was looking to finance a property that didn’t meet the minimum DSCR requirements with other companies, so I couldn’t even get approved—even if I wanted to move forward. Zach Edelman worked tirelessly to get me qualified and made sure we got to the closing table. He was responsive, knowledgeable, and truly went above and beyond. If you’re hitting roadblocks with traditional lenders, definitely give Easy Street a shot. I’m incredibly grateful for Zach and the entire team. Highly recommend!

Tess M. | Jun 23, 2025

Broker-Approved.

It’s insane how EASY it really was working with Easy Street. Being a broker, I am used to working with a ton of slow, non-communicative lenders. This was not the case with these guys. I felt immediately taken care of with Dustin and the entire Easy Street team. We were able to close a loan for my client in 24 hours.. not even kidding. Thank you so much guys. Forever a returning partner and customer!

Jasmine S. | Feb 25, 2025

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 Easy 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 Street 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

Top-Notch!

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

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

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Fix & Flip Recent Fundings

Easy Street Capital has a proven track record of success exceeding the expectations of our fix and flip borrowers.

Fix and Flip

Decatur, GA

Loan Amount / $260,550
LTC / 90.00%

Construction Funding / $149,500
LTV / 66.81%

Initial Funding / $111,050

$260,550 Decatur Fix and Flip Hard Money Loan in Georgia. Experienced borrower completing a full rehab with an exit strategy to sell.

Fix and Flip

Milwaukee, WI

Loan Amount / $246,500
LTC / 85.00%

Construction Funding / $34,000
LTV / 71.45%

Initial Funding / $212,500

$246,500 Milwaukee Fix and Flip Hard Money Loan in Wisconsin. Borrower completing a cosmetic rehab with an exit strategy to sell.

Fix and Flip

Monroeville, NJ

Loan Amount / $387,000
LTC / 90.00%

Construction Funding / $94,500
LTV / 70.37%

Initial Funding / $292,500

$387,000 Monroeville Fix and Flip Hard Money Loan in New Jersey. Experienced borrower completing a full rehab with an exit strategy to sell.

Fix and Flip FAQs

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