Current terms

Current rates and terms

What our lender network is offering right now on the programs we place — starting rates, maximum leverage, credit minimums and loan sizes. Most sites in this category make you call to find out whether you are in the ballpark. Here it is on a page.

Last updated: 22 September 2026 · Reviewed monthly.

“Rates from” means the best tier. The starting rate goes to the strongest files: three or more completed deals in the last 36 months, good credit and moderate leverage. No-points options are available on short-term loans; paying points can buy the rate down. Your exact terms are set by the lender that underwrites your file.

By program

Current program terms. Last updated 22 September 2026. Top-tier leverage shown.
Program	Rates from	Max leverage	Min FICO	Loan size	Term
Fix & Flip	10.25%	90% LTC · 75% ARV	620	$115k – $8M	12 – 18 months
Bridge	10.25%	75% LTV	620	$115k – $8M	12 – 18 months
Ground-Up Construction	10.25%	80% LTC · 65% ARV	650	$300k – $8M	12 – 24 months
Multifamily & Mixed-Use Bridge	10.25%	75% LTC · 65% ARV	670	$300k – $8M	12 – 18 months
DSCR Rental (1–4 units)	6.25%	80% LTV	640	up to $3.5M	Long term
DSCR Multifamily & Mixed-Use	6.25%	75% LTV	700	$400k – $2M	Long term

Subject to underwriting. Not an offer or commitment to lend.

We are not the lender. Easy Lending USA does not set pricing or make credit decisions. These are the published terms of the independent private lenders we place deals with, shown so you can rule your deal in or out before spending time on it.

What your credit score opens

Credit score minimums across current programs.
FICO	What it opens
700+	Every program open, including first-time DSCR and DSCR multifamily; top DSCR leverage (80%)
670–699	All short-term programs including multifamily bridge; DSCR to 75% (660+)
650–669	New-investor fix and flip and bridge, ground-up construction, DSCR below 1.0 at 65%
620–649	Fix and flip and bridge for experienced investors; DSCR from 640
Below 620	Outside current program minimums

Subject to underwriting. Not an offer or commitment to lend.

The numbers people forget

Points. On short-term debt, points move the real cost more than the headline rate. Two points on a twelve-month loan is two percent of the loan on top of the interest — compare the no-points option against the lower rate.

Prepayment penalties. DSCR loans come with a choice of one- to five-year penalty schedules. If there is any chance you sell or refinance early, the shorter schedule can cost less than the rate you save on the longer one.

Seasoning. Refinances are sized on as-is value only after twelve months of ownership. Before that, the loan is sized on what you paid plus documented improvements.

What this costs you

Nothing, to find out. We charge no application fee, no processing fee, no document fee and no upfront fee of any kind. We are compensated by the lender when a referred transaction closes.

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Terms compiled 22 September 2026 from current lender program sheets. Rates and guidelines change without notice and depend on experience, credit, property, leverage and loan size. All programs are business-purpose loans to business entities, secured by non-owner-occupied investment property, in the states listed below.