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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.

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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. 2-3 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!

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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

Fuquay Varina, NC

Loan Amount / $273,700
LTC / 85.00%

Construction Funding / $63,750
LTV / 68.43%

Initial Funding / $209,950

Experienced borrower completing a cosmetic rehab in Fuquay Varina, NC with an exit strategy to sell.

Fix and Flip

Mabelton, GA

Loan Amount / $202,500
LTC / 90.00%

Construction Funding / $63,000
LTV / 69.83%

Initial Funding / $139,500

Experienced borrower completing a cosmetic rehab in Mabelton, GA with an exit strategy to sell.

Fix and Flip

Santa Barbara, CA

Loan Amount / $1,987,275
LTC / 84.57%

Construction Funding / $500,025
LTV / 66.25%

Initial Funding / $1,487,250

Borrower completing a full rehab in Santa Barbara, CA with an exit strategy to sell.

Fix and Flip FAQs

Real estate investors use hard money loans for speed, higher leverage, and greater flexibility. Easy Street Capital adds relationship-driven service and consistent closings.

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 EasyFix 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 (LA, MN, SD, ND, Baltimore, Chicago, Detroit). See map for details: Where We Lend

Easy Street Capital's EasyFix program requires a minimum credit score of 600.

Competitive interest rates start at 8.90%, 2-3 points, and a $1,995 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 10% for a fix and flip 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 75% for our EasyFix program.

Yes - our loans can fund the purchase and renovation costs.

No, we do not have prepayment penalties on Fix and Flip loans.

Easy Street Capital has full discretion which allows us to fund your fix and flip 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!

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.

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Request a Term Sheet