Acra Lending vs Easy Street Capital
What each lender publishes about financing short-term rentals, side by side. Acra Lending: all except ak, nd, sd. Easy Street Capital: all except nd, sd.
The short version
- Acra Lending needs 12 months of STR history; Easy Street Capital accepts STR history or a projection.
- Both publish a 640 minimum credit score.
- Easy Street Capital has the higher max purchase LTV (80% vs 75%).
- Easy Street Capital has the higher max cash-out LTV (75% vs 70%).
- Both publish a $100K minimum loan.
- Neither publishes a minimum DSCR.
- Acra Lending does not publish a policy on first-time investors; Easy Street Capital allows them.
Based only on published figures, checked Oct 19, 2026. Published maximums usually need top credit. Confirm with the lender.
| Term | Acra LendingWholesale | Easy Street CapitalDirect lender |
|---|---|---|
| STR income method | 12-month history Lender sources · checked Oct 18, 2026 | Either easystreetcap.com · checked Oct 19, 2026 |
| STR income details | STR allowed case-by-case. Refinances need 12-month rental-agency ledgers; purchases use the appraiser's market rent under standard DSCR rules. See lender sources | 12-month history: 12+ months of history: trailing-12 actual revenue. Projection: Professional STR investors: 100% of AirDNA. Others: AirDNA less 25% (2023 tear sheet; current page says AirDNA only 'in certain cases', otherwise appraiser market rent). easystreetcap.com · checked Oct 19, 2026 |
| Min credit score | 640 api.acralending.com · checked Oct 19, 2026 | 640 easystreetcap.com · checked Oct 19, 2026 |
| Min DSCR | Not published | Not published |
| DSCR below 1.0 | Yes api.acralending.com · checked Oct 19, 2026 | Yes easystreetcap.com · checked Oct 19, 2026 |
| No-ratio option | Yes api.acralending.com · checked Oct 19, 2026 | Not published |
| Max LTV (purchase) | 75% api.acralending.com · checked Oct 19, 2026 | 80% easystreetcap.com · checked Oct 19, 2026 |
| Max LTV (cash-out/refi) | 70% api.acralending.com · checked Oct 19, 2026 | 75% easystreetcap.com · checked Oct 19, 2026 |
| Min loan | $100K api.acralending.com · checked Oct 19, 2026 | $100K easystreetcap.com · checked Oct 19, 2026 |
| Max loan | $3M api.acralending.com · checked Oct 19, 2026 | $3.5M easystreetcap.com · checked Oct 19, 2026 |
| Prepayment | 1-5 year options (fixed or 5/4/3/2/1 step-down) or no prepay api.acralending.com · checked Oct 19, 2026 | Typically 5/4/3/2/1 step-down Lender sources · checked Oct 18, 2026 |
| States served | All except AK, ND, SD Lender sources · checked Oct 18, 2026 | All except ND, SD Lender sources · checked Oct 18, 2026 |
| First-time investors | Not published | Yes Lender sources · checked Oct 18, 2026 |
| Channel | Wholesale | Direct lender |
| Last verified |
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Not a lender or broker. No referral fees. For education only. Figures come from each lender's public pages on the date shown and can change without notice, so verify them with the lender. Rates are estimates, not quotes. How we source data.