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Easy Street Capital is America’s leading lender for properties utilized as Short Term Rentals (STRs), the fastest growing, most innovative frontier in real estate investing.


We combine the traditional 30-year fixed rate residential mortgage product with flexible and hassle-free underwriting, delivering quick and efficient 30-day closes and non-intrusive documentation requirements (no tax returns, no income verification). Whether the property is a traditional single family residence rented on Airbnb, a luxury condo in a booming metropolitan area, or a professionally managed vacation rental property near a popular resort town - we can lend.


With rates starting at 6.750% our short term rental loans are competitive with all financing options available, perfect for the first-time investor diving in as well as seasoned professionals looking to rapidly expand a robust portfolio.


Best Short Term Rental Podcasts

Investing in short term rentals continues to be one of the fastest growing and popular real estate investing strategies in 2023.  Real estate investors from across the country are charting a course to financial freedom through building short term rental portfolios.  It continues to be an exciting space as innovation and growth continue to occur ...
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Best Cities for Airbnb Investment 2023

While interest rates remain high, but with short term rental demand still booming, Real Estate investors in 2023 are searching for the best cities for Airbnb investment in 2023.  Short Term Rental investment properties (most commonly listed on airbnb) typically offer twice as much cash flow than long-term rentals.  Why invest in a traditional rental ...
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Why Everyone is Talking About the Medium-Term Rental Strategy

If you’ve been staying up on the latest in the real estate investing world, you’ve probably heard the term “medium-term rentals” on forums, podcasts, YouTube, and more—BiggerPockets even just released a book about the strategy. Investors nationwide are adding medium-term rentals to their portfolios and enjoying the massive cash flow.   So, what are medium-term ...
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Short Term Rental Lending Options – Maturing and Growing Fast!

It’s hard to remember sometimes, but Airbnb is only 13 years old, founded in August 2008 at the height of the real estate mortgage crisis.   While there have been ups and downs over the years, its impact on the short term rental industry is undeniable. The growth of short term rentals empowered everyday people ...
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Best Way to Finance your Short-Term Rentals

Finding the Right Financing for Your Airbnb Can Make All the Difference. Hosts that nail the numbers and combine their capital with the right loans can create life-changing wealth through real estate. Choosing the wrong loan and lender could leave you with headaches, lost deals, and worst of all, a money-losing portfolio. Identifying the correct short ...
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We lend in every state except for Nevada, North Dakota and South Dakota. We will rent in smaller and non-traditional markets within every eligible state.

Yes, properties currently operating under any use are eligible, including vacant properties, someone’s home, or properties already operating as an Airbnb or vacation rental.

A minimum down payment of 20% is required.

Yes, we welcome first-time investors with no restrictions applied.

Yes, we are happy to lend in areas that are dedicated “vacation towns” that have seasonal variations in revenue and when most comparable properties are also vacation rentals (i.e. ski or beach towns).

Our loans have 30-year terms a fixed interest rate throughout, and prepayment protection for five years. There is also a 10-year interest-only option available. Monthly escrows for property taxes and insurance are required.

No, our underwriting and qualification does not evaluate local licensing and regulations while offering these loans.

Yes – in fact we recommend borrowing through an LLC (however borrowing as an individual is OK in most states). We require a full guaranty for anyone who has more than 25% of ownership of the entity and allow up to four separate guarantors on each loan.

We calculate DSCR by taking monthly Projected Income (Rent or STR income) divided by your monthly payment – PITIA (principal, interest, tax escrow, insurance escrow and any HOA dues). No expenses besides taxes, insurance or HOA dues are considered in underwriting or qualification.

Yes, in these cases, the Revenue portion of DSCR can be determined by the long-term rental market rent as determined by a third-party appraiser. In certain cases (based on experience and other factors), we can use data projections from reliable sources such as AirDNA.

Our minimum DSCR is generally 0.75x, which means that we will finance loans that are negatively cash-flowing but bought and operated for price appreciation or expected short term rental revenue that exceeds market rent or projections.

Yes, we lend on condos with loans consistent with our standard structure and rates. There are some limits on LTV and DSCR based on the characteristics of the condo structure. HOA dues are included in the PITI payments when calculating the DSCR ratio.

Yes, we can lend on properties up to ten units.


Inaugural STR Forum | Jun. 2022 | Austin, TX
Winter STR Forum | Jan. 2023 | Miami, FL
STR Wealth Conference | Mar. 2023 | Nashville, TN

Fast and Accurate

The Easy Street Capital team is phenomenal! Fast and accurate. I was always in the loop when it came to my loan. A-1 finance partners in my book. Thank you again.

Wesley J. | Nov 03, 2022

First Class Excellence in Customer Service

Zach Edelman and the team at Easy Street offered first class excellence in customer service, and truly lived up to their name for keeping the process easy and simple. In real estate investment we dread the tasks related to the lending partners and Zach and the team made it a seamless part of the process. A great partner to have!

Gavin B. | Nov 03, 2022

Smooth and Straightforward

Loved working with everyone, everything felt very smooth and straightforward.

Rubi S. | Oct 31, 2022

Simply Amazing

Simply amazing! Truly saved the day for us when another lender flaked at closing!

Tracy M. | Oct 31, 2022

Deal Saved and Funded in Two Days

The best hard money lender you can find. Almost lost out on a deal and Easy Street was able to fund in 2 days! I just completed my project and can’t wait to use them on the next one!

Justin C. | Oct 05, 2022

Excited to Work with Them Again!

Would highly recommend East Street Capital anytime. In TWO DAYS, they closed a deal of mine that was in limbo for over a month with a different lender. Incredible team and excited to work with them again!

Asa K. | Oct 05, 2022

Easy Street Values Relationships

Gray Cato and Tracey Autry are amazing people - they value the relationships and it shows. They have helped close some very messy deals and have put the needs of my clients above everything else!

Ronny V. | Sep 26, 2022

Go-To Lender

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

Juan G. | Sep 21, 2022

Super Fast Responses

Thank you for making the process as easy as possible. Having everything automated is great, and the team is super fast at responses! Looking forward to many more loans in the future, and have recommended Easy Street to all REIs I know.

Tammy J. | Sep 19, 2022

Quick and Fast Service

Quick and fast service. Great customer service too!

Minh P. | Sep 09, 2022

Great People, Great Service

Great people, great service! Easy Street Capital is the best.

Nauj E. | Sep 08, 2022

Great Team

Great work from a great team that really gets it.

Alex K. | Aug 31, 2022

Fast Close For a New Borrower

You guys are amazing!! The fast close is very much appreciated!

Karmen S. | Aug 19, 2022

These guys are the real deal!

I would give 6 stars if possible. They are not lenders, they are magicians. Joshua and his team tackled my deal to salvage a deal that was almost dead. These guys are the real deal!

Juan A. | Aug 17, 2022

One of the Best Lenders in the Business

You wanna talk about one of the best lenders in the business!! Easy Street Capital is definitely in that category. My agent was Zach Edelman, and he went above and beyond on helping me with my Investment Refi. Extremely competitive rates, even as the FED raised rates during our closing. Great lender all around.

Jermaine A. | Aug 09, 2022

Smooth and Pleasant Process

Very responsive and helpful staff. Quick turnaround time, and an overall smooth and pleasant process.

Herbert B. | Jun 16, 2022

Good Experience, Fast Closing

I have had a good experience with Easy Street Capital. I was able to close my deal quickly with very timely underwriting. The company should be able to close very quickly if you need a quick close. The rehab draws I requested were reviewed and issued very quicky also (basically next day on one). The communication and all processes of the loan have been simple throughout my time working with them.

Ross C. | Jun 08, 2022

Top Notch Service

Easy Street has funded our company on numerous occasions without any issues. Their rates are competitive but their level of service is top notch! They are our preferred hard money lender. I highly recommend working with Casey and the team at Easy Street.

Jace G. | Jun 08, 2022

Fantastic Company

Fantastic company, top-notch leadership and great customer service. Highly recommend Easy Street Capital.

Andrew N. | Jun 08, 2022

Less Red Tape

Easy Street is great for investors needing to close fast at competitive hard money rates. They have much less red tape to approve and the numbers make sense. This really made it possible for us to move fast and get the deal done.

Mirelle L. | Apr 19, 2022

Best in the Business

In a market that is full of hard money lenders, we made the best choice in using Easy Street. Closed my deal on time and they didn’t ask me to bring my “first born”. It was easy and it allowed me to start my business and keep more of my profit!!! Easy Street is the best in the business! Straight forward & easy!!

Mike N. | Apr 19, 2022

Definitely Recommend

Easy Street was flexible enough to work around some extension issues due to some unseen hurdles in my house flip. Eternally grateful to Easy Street for making things as smooth as possible. Would definitely recommend them to anyone getting started in house flipping.

Angel C. | Apr 19, 2022

Easy to Work With

Easy Street has been very easy to work with. We appreciate the communication and quick responses. They really do understand that time is of the essence in real estate. The entire process was a breeze and we look forward to continue working with them!

Christopher D. | Apr 19, 2022

Saved the Day

Well done! When my initial lender asked for an extension 3 days before closing the Easy Street team stepped in and saved the day! I appreciate their ability to close quickly and get the deal done.

Brandon R. | Apr 19, 2022

Perfect for Flippers

Easy, efficient, and perfect for flippers! We love doing business with the company and are completing our third flip in 9 months! Thank you! Thank you! Looking forward to doing business on the next one.

Catherine C. | Apr 19, 2022

Very Timely

I have had a good experience with Easy Street Capital. I was able to close my deal quickly with very timely underwriting. The company should be able to close very quickly if you need a quick close. The rehab draws I requested were reviewed and issued quickly as well (basically next day or two). The communication and all processes of the loan have been simple throughout my time working with them.

Ross C. | Apr 19, 2022

Highly Recommend

I was able to obtain a loan from Easy Street to invest in purchasing a house in TX for fixing up & flipping. Easy Street is one of the best lenders I have dealt with and they are genuinely interested in assisting the investor to be successful with whatever your project is. I would highly recommend them to anyone who needs funds for investment in real estate.

Judson G. | Apr 19, 2022

Trustworthy and Honest

This was my first hard money loan, and Easy Street was the only place with a loan that met my needs. Easy Street worked quickly to put the deal together. Everything was as it was said it would be; I paid the agreed upon fees and interest and there were no surprises save a document fee at payoff. In a world where people are trying to scam you right and left, I was pleased and relieved that Easy Street was trustworthy and honest.

Michael H. | Apr 19, 2022

EasyRent Recent Fundings

Easy Street Capital has a proven track record of successfully funding single rental properties and portfolios for our borrowers.

Cash-Out Refinance

Dallas, TX

Loan Amount / $624,000
Rate / 8.000%

Purpose / Cash-Out Refinance
LTV / 75.0%

Professional investors cash-out on their recently remodeled Dallas property with plans on using proceeds to expand their portfolio.

Rate-Term Refinance

Lake Arrowhead, CA

Loan Amount / $903,750
Rate / 9.250%

Purpose / Rate-Term Refinance
LTV / 75.0%

Investor refinances out of their bridge loan to lock in a lower rate on their beautiful Short Term Rental in the San Bernardino Mountains.


Lutsen, MN

Loan Amount / $386,750
Rate / 8.625%

Purpose / Acquisition
LTV / 65.0%

Experienced investors add an STR near a popular resort to their growing portfolio.

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.