EasyRent DSCR
Program type: dscr
DSCR rules
- Minimum DSCR
- n/a
- Sub-1.0 DSCR allowed
- Yes
- Sub-1.0 floor
- n/a
- No-ratio option
- No
- No-ratio max LTV
- n/a
Credit and leverage
- Minimum FICO
- 640
- Max LTV, purchase
- 80%
- Max LTV, rate/term
- 80%
- Max LTV, cash-out
- 75%
- Loan amount
- $100,000 to $3,500,000
Geography and collateral
- States
- All except North Dakota, South Dakota (49)
- Property types
- Single-family, 2-4 units, Condo, 5+ units, Mixed use
- Short-term rentals
- Yes
- STR minimum DSCR
- n/a
- Rural allowed
- Yes
- Max acres
- Not published
- Min square feet
- Not published
Borrower rules
- Entity (LLC) borrowers
- Yes
- Individual borrowers
- Yes
- Foreign nationals
- Yes
- ITIN borrowers
- No
- First-time investors
- Yes
- Minimum experience
- 0 deals
- Cash-out seasoning
- Not published
- Reserves
- 3 months
- Max loans per borrower
- Not published
Terms
- Prepay options
- 5-4-3-2-1, 3-2-1, 2-1, 5% fixed 5 yr, none
- Prepay required
- No
- Interest-only
- Yes
- Terms
- 30 yr
- Rate types
- 30-yr fixed
Provenance
- Source
- Program page
- Document
- None public
- Source retrieved
- Oct 4, 2026
- Last verified
- Not yet verified by a human
- Auto-checked
- Oct 4, 2026, matched the source
Research notes
Found on the EasyRent page: 'No Minimum DSCR' (so allowsSub1Dscr true, no numeric floor); 640 FICO minimum; up to 80% LTV acquisitions and rate-term, up to 75% LTV cash-out; rural properties capped at 65% LTV (the STR page says 70%; conflict noted); $100K min, '$3.5M+' max (recorded 3,500,000); every state except ND and SD; residential 1-10 units incl. condos; long-, mid- and short-term rentals with vacancy allowed on purchase and no STR history required (STR income via AirDNA projections); entities (LLCs) and partners welcomed, also corporations and inter-vivos revocable trusts; foreign nationals residing outside the US allowed if borrowing LLC is 50%+ owned by a US citizen/green card holder; 'first-time investor friendly'; reserves 3-9 months PITIA (recorded as 3, the stated minimum); prepay 5/4/3/2/1, 3/2/1, 2/1, 5-yr 5% fixed, or none; 30-year fixed with optional 10-year partial interest-only; hybrid ARMs mentioned without reset detail. FICO CONFLICT: the /dscr-loans/ page says 620 minimum (highest median FICO of all guarantors); 640 recorded from the primary EasyRent page. NOT found: cash-out seasoning for ESC specifically (the general guide mentions BRRRR cash-out 'in as little as 3 months' and the STR page requires one booking for cash-out before 12 months ownership), acreage, min sqft, ITIN, max loans, 40-year term (mentioned only as an industry option in the guide), mixed-use (guide says majority-residential mixed-use can qualify but not confirmed as ESC policy). No-ratio set false because the guide discusses it only generically.