Easy Street Capital vs Newfi Wholesale
What each lender publishes about financing short-term rentals, side by side. Easy Street Capital: all except nd, sd. Newfi Wholesale: licensed in 49 states/dc.
The short version
- Both accept STR history or a projection.
- Both publish a 640 minimum credit score.
- Both publish a 80% max purchase LTV.
- Newfi Wholesale has the higher max cash-out LTV (80% vs 75%).
- Only Easy Street Capital publishes a minimum loan ($100K).
- Only Newfi Wholesale publishes a minimum DSCR (1.00).
- Easy Street Capital allows first-time investors; Newfi Wholesale 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 | Newfi WholesaleWholesale |
|---|---|---|
| STR income method | Either easystreetcap.com · checked Oct 19, 2026 | Either newficorrespondent.com · checked Oct 19, 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 | 12-month history: 12-month lookback, 80% of gross receipts. Projection: Purchases: 1007 STR, AirDNA Rentalizer (score/occupancy minimums) or rental data, at 80%; experienced investors only. STR min DSCR above 1.00. STR max LTV 75%. newficorrespondent.com · checked Oct 19, 2026 |
| Min credit score | 640 easystreetcap.com · checked Oct 19, 2026 | 640 newfiwholesale.com · checked Oct 19, 2026 |
| Min DSCR | Not published | 1.00 newfiwholesale.com · checked Oct 19, 2026 |
| DSCR below 1.0 | Yes easystreetcap.com · checked Oct 19, 2026 | No newfiwholesale.com · checked Oct 19, 2026 |
| No-ratio option | Not published | No newfiwholesale.com · checked Oct 19, 2026 |
| Max LTV (purchase) | 80% easystreetcap.com · checked Oct 19, 2026 | 80% newfiwholesale.com · checked Oct 19, 2026 |
| Max LTV (cash-out/refi) | 75% easystreetcap.com · checked Oct 19, 2026 | 80% newfiwholesale.com · checked Oct 19, 2026 |
| Min loan | $100K easystreetcap.com · checked Oct 19, 2026 | Not published |
| Max loan | $3.5M easystreetcap.com · checked Oct 19, 2026 | $3M newfiwholesale.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 | Licensed in 49 states/DC Licensing page (Nexera Holding LLC dba Newfi) lists 48 states + DC; site is not approved for use in New York. DSCR footprint is not itemized separately. newfi.com · checked Oct 19, 2026 |
| First-time investors | Yes Lender sources · checked Oct 18, 2026 | Yes Lender sources · checked Oct 18, 2026 |
| Channel | Direct lender | Wholesale |
| 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.