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Easy Street Capital alternatives: lenders with similar or more flexible published STR terms

Other direct lenders we track, compared with Easy Street Capital on the core loan terms both lenders publish. Each figure links to the lender page it came from, with the date we checked it.

Read this first

Based on published terms only; rates and pricing aren't compared. Confirm with each lender. A term one side doesn't publish is “not comparable (not published)” and doesn't count either way. Nothing here is a ranking.

At least as flexible on every shared term
1
More flexible on some terms
12
Direct lenders compared
24
Checked
Oct 22, 2026

What Easy Street Capital publishes

The terms every alternative below is compared against. Verified from lender's own page on Oct 22, 2026

Easy Street Capital published core terms
TermEasy Street Capital
Min credit score640source · Oct 22, 2026
Min DSCRNot published
DSCR below 1.0Yessource · Oct 22, 2026
No-ratio optionNot published
Max LTV (purchase)80%source · Oct 22, 2026
Max LTV (cash-out)75%source · Oct 22, 2026
Min loan$100Ksource · Oct 22, 2026
Max loan$3.5Msource · Oct 22, 2026
STR income methodEithersource · Oct 19, 2026
First-time investorsYessource · Oct 22, 2026
States servedAll except ND, SDsource · Oct 22, 2026

Published terms at least as flexible on every field both publish

Equal or more flexible than Easy Street Capital on every term both lenders publish, with at least 3 terms in common. ✓ = more flexible, = = the same. Sorted by how many terms can be compared, then how many are more flexible.

Griffin Funding 4 more flexible · 5 same · 9 compared

Griffin Funding compared with Easy Street Capital on terms both publish
TermEasy Street CapitalGriffin Fundingvs Easy Street Capital
Min credit score640620source · Oct 22, 2026more flexible
DSCR below 1.0YesYessource · Oct 22, 2026same
Max LTV (purchase)80%85%source · Oct 22, 2026more flexible
Max LTV (cash-out)75%75%source · Oct 22, 2026same
Min loan$100K$100Ksource · Oct 22, 2026same
Max loan$3.5M$4.5Msource · Oct 22, 2026more flexible
STR income methodEitherEithersource · Oct 22, 2026same
First-time investorsYesYessource · Oct 22, 2026same
States servedAll except ND, SDAll 50 states + DCsource · Oct 22, 2026more flexible

Not comparable (not published by one or both): Min DSCR, No-ratio option.

Griffin Funding lender pageCompare Easy Street Capital and Griffin Funding

More flexible on some terms

More flexible than Easy Street Capital on at least one term both publish, and less flexible or different on others. Both are listed so you can see the trade-off. Showing 8 of 12.

theLender 9 terms compared

  • More flexibleMin credit score: 620 vs 640; Max LTV (purchase): 85% vs 80%
  • DifferentStates served: lists 2 states (ND, SD) Easy Street Capital doesn't, but not 1 state (NY) Easy Street Capital lists
  • SameDSCR below 1.0, Max LTV (cash-out), Min loan, Max loan, STR income method, First-time investors
  • Not comparable (not published)Min DSCR, No-ratio option

Values: theLender first, then Easy Street Capital. Sources and check dates are on each lender page.

theLender lender pageCompare Easy Street Capital and theLender

Defy Mortgage 9 terms compared

  • More flexibleMin loan: $75K vs $100K
  • Less flexibleMin credit score: 720 vs 640; DSCR below 1.0: No vs Yes; Max LTV (purchase): 75% vs 80%; Max loan: $2.5M vs $3.5M; First-time investors: No vs Yes; States served: All except AK, AZ, ID, MI, MN, NV, ND, OR, SD, UT, VT vs All except ND, SD
  • SameMax LTV (cash-out), STR income method
  • Not comparable (not published)Min DSCR, No-ratio option

Values: Defy Mortgage first, then Easy Street Capital. Sources and check dates are on each lender page.

Defy Mortgage lender pageCompare Easy Street Capital and Defy Mortgage

Lima One Capital 8 terms compared

  • More flexibleMin loan: $75K vs $100K
  • Less flexibleMin credit score: 660 vs 640; DSCR below 1.0: No vs Yes; Max LTV (purchase): 75% vs 80%; Max LTV (cash-out): 70% vs 75%; Max loan: $2.5M vs $3.5M; States served: All except AK, ND, SD, VT vs All except ND, SD
  • SameSTR income method
  • Not comparable (not published)Min DSCR, No-ratio option, First-time investors

Values: Lima One Capital first, then Easy Street Capital. Sources and check dates are on each lender page.

Lima One Capital lender pageCompare Easy Street Capital and Lima One Capital

A&D Mortgage 7 terms compared

  • More flexibleMin credit score: 620 vs 640; Min loan: $75K vs $100K
  • Less flexibleMax loan: $3M vs $3.5M
  • DifferentStates served: lists 2 states (ND, SD) Easy Street Capital doesn't, but not 1 state (HI) Easy Street Capital lists
  • SameDSCR below 1.0, Max LTV (purchase), STR income method
  • Not comparable (not published)Min DSCR, No-ratio option, Max LTV (cash-out), First-time investors

Values: A&D Mortgage first, then Easy Street Capital. Sources and check dates are on each lender page.

A&D Mortgage lender pageCompare Easy Street Capital and A&D Mortgage

Angel Oak Mortgage Solutions 7 terms compared

  • More flexibleMax LTV (purchase): 85% vs 80%
  • Less flexibleMin credit score: 680 vs 640; Max loan: $3M vs $3.5M
  • DifferentStates served: lists 2 states (ND, SD) Easy Street Capital doesn't, but not 4 states (AK, MA, NY, VT) Easy Street Capital lists
  • SameDSCR below 1.0, Min loan, STR income method
  • Not comparable (not published)Min DSCR, No-ratio option, Max LTV (cash-out), First-time investors

Values: Angel Oak Mortgage Solutions first, then Easy Street Capital. Sources and check dates are on each lender page.

Angel Oak Mortgage Solutions lender pageCompare Easy Street Capital and Angel Oak Mortgage Solutions

LendSure Mortgage 7 terms compared

  • More flexibleMax LTV (purchase): 85% vs 80%
  • Less flexibleMin credit score: 660 vs 640; Max loan: $3M vs $3.5M
  • DifferentStates served: lists 2 states (ND, SD) Easy Street Capital doesn't, but not 1 state (NY) Easy Street Capital lists
  • SameDSCR below 1.0, Max LTV (cash-out), STR income method
  • Not comparable (not published)Min DSCR, No-ratio option, Min loan, First-time investors

Values: LendSure Mortgage first, then Easy Street Capital. Sources and check dates are on each lender page.

LendSure Mortgage lender pageCompare Easy Street Capital and LendSure Mortgage

NQM Funding 7 terms compared

  • More flexibleMin loan: $75K vs $100K
  • Less flexibleMin credit score: 660 vs 640; Max loan: $3M vs $3.5M; STR income method: 12-month history vs Either
  • DifferentStates served: lists 2 states (ND, SD) Easy Street Capital doesn't, but not 2 states (HI, NY) Easy Street Capital lists
  • SameDSCR below 1.0, First-time investors
  • Not comparable (not published)Min DSCR, No-ratio option, Max LTV (purchase), Max LTV (cash-out)

Values: NQM Funding first, then Easy Street Capital. Sources and check dates are on each lender page.

NQM Funding lender pageCompare Easy Street Capital and NQM Funding

LendingOne 6 terms compared

  • More flexibleMin loan: $85K vs $100K
  • Less flexibleMax loan: $2M vs $3.5M; States served: All except AK, NV, ND, SD vs All except ND, SD
  • SameDSCR below 1.0, Max LTV (purchase), Max LTV (cash-out)
  • Not comparable (not published)Min credit score, Min DSCR, No-ratio option, STR income method, First-time investors

Values: LendingOne first, then Easy Street Capital. Sources and check dates are on each lender page.

LendingOne lender pageCompare Easy Street Capital and LendingOne

How this page is built

Lower minimum credit score, minimum DSCR and minimum loan count as more flexible; so do higher max LTVs and max loan, a published “Yes” on DSCR below 1.0, no-ratio and first-time investors, an STR income method that accepts projections where Easy Street Capital counts booking history only, and a state list that includes all of Easy Street Capital's states plus more. Projection and Either both accept projections, so they count as the same. Referral sources are left out.

Easy Street Capital

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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.