Easy Street Capital vs New Silver
What each lender publishes about financing short-term rentals, side by side. Easy Street Capital: all except nd, sd. New Silver: 42 states/dc listed.
The short version
- Both accept STR history or a projection.
- Easy Street Capital has the lower minimum credit score (640 vs 660).
- Both publish a 80% max purchase LTV.
- Only Easy Street Capital publishes a max cash-out LTV (75%).
- Easy Street Capital has the lower minimum loan ($100K vs $150K).
- Only New Silver publishes a minimum DSCR (1.15).
- Easy Street Capital allows first-time investors; New Silver allows them.
Based only on published figures, checked Oct 19, 2026. Published maximums usually need top credit. Confirm with the lender.
| Term | Easy Street CapitalDirect lender | New SilverDirect lender |
|---|---|---|
| STR income method | Either easystreetcap.com · checked Oct 19, 2026 | Either Lender sources · checked Oct 18, 2026 |
| STR income details | 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 | Market rent addendum and/or STR valuation such as AirDNA on new purchases; refinances require rental history (12 months to count as occupied). See lender sources |
| Min credit score | 640 easystreetcap.com · checked Oct 19, 2026 | 660 newsilver.com · checked Oct 19, 2026 |
| Min DSCR | Not published | 1.15 help.newsilver.com · checked Oct 19, 2026 |
| DSCR below 1.0 | Yes easystreetcap.com · checked Oct 19, 2026 | No Lender sources · checked Oct 18, 2026 |
| No-ratio option | Not published | No help.newsilver.com · checked Oct 19, 2026 |
| Max LTV (purchase) | 80% easystreetcap.com · checked Oct 19, 2026 | 80% newsilver.com · checked Oct 19, 2026 |
| Max LTV (cash-out/refi) | 75% easystreetcap.com · checked Oct 19, 2026 | Not published |
| Min loan | $100K easystreetcap.com · checked Oct 19, 2026 | $150K help.newsilver.com · checked Oct 19, 2026 |
| Max loan | $3.5M easystreetcap.com · checked Oct 19, 2026 | $3M newsilver.com · checked Oct 19, 2026 |
| Prepayment | Typically 5/4/3/2/1 step-down Lender sources · checked Oct 18, 2026 | Not published |
| States served | All except ND, SD Lender sources · checked Oct 18, 2026 | 42 states/DC listed From the areaServed list in the DSCR page's structured data. Lender sources · checked Oct 18, 2026 |
| First-time investors | Yes Lender sources · checked Oct 18, 2026 | Yes Lender sources · checked Oct 18, 2026 |
| Channel | Direct lender | 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.