Headquartered in Austin, Texas, Easy Street Capital has carved out a distinct position in the national bridge lending market by combining institutional balance-sheet certainty with common-sense, asset-first underwriting. Lending on fix-and-flip deals in 46 states (EasyFix excludes Louisiana, Minnesota, North Dakota, South Dakota, and select metros including Baltimore, Chicago, and Detroit), Easy Street divides its platform into three integrated products: EasyFix (fix-and-flip and bridge loans), EasyBuild (ground-up infill construction), and EasyRent (long-term and short-term rental DSCR takeout loans).
Interest Rates: 8.90% to 11.90% (Interest-Only) | Origination Points: 0 to 2.0% plus a $1,995 document fee
Max Leverage: Up to 93% LTC (90% of Purchase + 100% of Rehab) / Up to 75% ARV | Minimum FICO: 600
Loan Amounts: $75,000 to $5,000,000+ | Close Speed: 5 to 10 business days
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Why Investors Choose Easy Street Capital Over Algorithmic Lenders
- 600 Minimum FICO Threshold: Many active flippers carry high revolving credit utilization on Home Depot or Lowe's material cards during a renovation, temporarily depressing their personal FICO score to 615 or 630. While automated platforms reject sub-640 scores automatically, Easy Street underwrites the collateral margin and accepts scores down to 600.
- Non-Dutch Interest & No Prepayment Penalties: Like top-tier institutional programs, EasyFix charges monthly interest only on disbursed funds and lets borrowers exit early without prepayment penalties.
- Industry-Leading Short-Term Rental (STR) Bridge-to-DSCR Path: Investors buying and renovating vacation properties in markets like Tennessee, Florida, Arizona, and North Carolina can use EasyFix to acquire and renovate the property, then refinance directly into an EasyRent STR DSCR loan using AirDNA income projections rather than requiring a 12-month long-term lease.
EasyFix vs. EasyRent BRRRR Rollover Math
When executing the BRRRR strategy (Buy, Rehab, Rent, Refinance, Repeat), using separate bridge and permanent lenders often triggers double title underwriting delays and uncoordinated payoff wires. Easy Street's internal bridge-to-DSCR desk coordinates the appraisal and payoff internally. Test your post-rehab rental cash flow in our Commercial Bridge-to-DSCR Exit Calculator.