Easy Street Capital: DSCR loans for short-term rentals

Published STR loan terms

How STR income is counted

Either: Accepts booking history or a projection, depending on the deal.

Details

Uses 12 months of STR operating history when available; without history uses appraiser long-term market rent or, in certain cases, AirDNA projections. Says it allows cash-out refis on STR projections before 12 months of operations.

Minimum credit score

640

Minimum DSCR

Not published

DSCR below 1.0 allowed

Not published

No-ratio option

Not published

Max LTV (purchase)

80%

Max LTV (cash-out refi)

75%

Minimum loan

$100K

Maximum loan

$3.5M

Prepayment options

Typically 5/4/3/2/1 step-down

States served

All except ND, SD

First-time investors

Yes

Channel

Direct lender

Notes: Rural properties capped at 65-70% LTV. States its STR loans are suited to first-time investors. Pays a referral fee per closed loan (public referral program).

Sources

• https://easystreetcap.com/short-term-rentals/ (checked 2026-10-18)
• https://easystreetcap.com/easyrent/ (checked 2026-10-18)
• https://easystreetcap.com/refer/ (checked 2026-10-18)

"Not published" means we did not find the figure on the pages above. It does not mean the lender lacks a policy. Ask the lender.