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Frequently Asked Questions

Why do real estate investors use Hard Money Loans?

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!

What are some of the advantages of using Easy Street Capital?

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 a loan term sheet within 24 hours. No appraisal! No junk fees! Easy Street Capital is truly an asset based lender.

What types of transactions will Easy Street Capital lend on?

Easy Street Capital will lend on non-owner occupied investment real estate properties. Fix and Flip, New Construction, Buy and Rent, Multifamily (5+ Units).

What states do you lend in?

Texas, California, Tennessee, Washington, Colorado, Ohio, North Carolina, Georgia, and Pennsylvania

What are the minimum and maximum loan amounts?

Easy Street Capital targets loans between $100,000 and $2,000,000.

How long are the loan terms?

It depends on the type of loan, but typically 6-24 months.

Are there minimum credit requirements to obtain a loan?

No, Easy Street Capital is an asset-based lender. This means we lend on the value of the asset, rather than the creditworthiness of the borrower.

What are your terms?

Interest rates range from 8.9%-10.9%, 2-3 points, and a $995 document fee.

What is a point?

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.

How much down payment is required?

This will vary based on the particular loan, but typically the borrower will have to put in a down payment of at least 10%.

What is the maximum LTV (Loan to Value)?

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 70%.

Will you lend money for the renovation?


Do you charge prepayment penalties?

Typically we do not have any prepayment penalties.

How quickly can you close?

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.

Do you require insurance?

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

How can I apply for a loan?

You can apply for a loan by filling out the 1-minute loan app.


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