Defy Mortgage vs Easy Street Capital

Rates as of June 17, 2026

Estimated DSCR loan rates compared across 24 borrower scenarios. On lowest estimated rate, Defy Mortgage wins more scenarios (5 of 6).

Illustrative sample data. These figures show how the comparison works — they are notlive lender pricing. Real DSCR rate sheets are broker-gated; we publish live rates only once a lender’s sheet is verified. This page is not indexed by search engines until then.

Defy Mortgage

5 scenarios lowest

Min DSCR: 1
Max LTV: 80%
Min FICO: 660

Full Defy Mortgage profile →

Easy Street Capital

1 scenarios lowest

Min DSCR: 0.75
Max LTV: 80%
Min FICO: 640

Full Easy Street Capital profile →

Rate by scenario, side by side

Scenario	Defy Mortgage	Easy Street Capital	Lower
Purchase · 75% LTV · 740 FICO · 1.25 DSCR · SFR	7.275%	7.275%	—
Purchase · 80% LTV · 720 FICO · 1.10 DSCR · SFR	8.025%	8.025%	—
Cash-Out Refi · 70% LTV · 760 FICO · 1.30 DSCR · SFR	7.025%	7.025%	—
Purchase · 75% LTV · 700 FICO · 1.00 DSCR · Condo	8.275%	8.400%	Defy Mortgage
Purchase · 65% LTV · 780 FICO · 1.50 DSCR · SFR	6.900%	6.900%	—
Cash-Out · 75% LTV · 720 FICO · 1.20 DSCR · 2-4 Unit	7.900%	7.900%	—
Purchase · 70% LTV · 740 FICO · 1.25 DSCR · SFR · No Prepay	8.025%	8.025%	—
Purchase · 80% LTV · 680 FICO · 1.00 DSCR · SFR	8.900%	8.900%	—
Rate/Term Refi · 75% LTV · 760 FICO · 1.35 DSCR · SFR	7.400%	7.400%	—
Purchase · 75% LTV · 720 FICO · 0.75 DSCR · SFR (Low Coverage)	8.400%	8.275%	Easy Street Capital
Purchase · 70% LTV · 700 FICO · 1.15 DSCR · 2-4 Unit	8.025%	8.025%	—
Cash-Out · 70% LTV · 740 FICO · 1.25 DSCR · Condo	7.275%	7.400%	Defy Mortgage
Purchase · 60% LTV · 780 FICO · 1.40 DSCR · SFR · Jumbo	7.150%	7.150%	—
Purchase · 75% LTV · 660 FICO · 1.10 DSCR · SFR	8.775%	8.775%	—
Purchase · 80% LTV · 760 FICO · 1.20 DSCR · SFR · Small Balance	8.400%	8.400%	—
Cash-Out · 65% LTV · 720 FICO · 1.30 DSCR · SFR	7.275%	7.275%	—
Purchase · 75% LTV · 740 FICO · 1.25 DSCR · Condo · 3yr Prepay	7.650%	7.775%	Defy Mortgage
Rate/Term Refi · 70% LTV · 700 FICO · 1.20 DSCR · SFR	7.775%	7.775%	—
Purchase · 80% LTV · 740 FICO · 1.10 DSCR · 2-4 Unit	8.025%	8.025%	—
Purchase · 70% LTV · 760 FICO · 1.25 DSCR · SFR · $1M+	7.275%	7.275%	—
Cash-Out · 75% LTV · 680 FICO · 1.05 DSCR · SFR	8.525%	8.525%	—
Purchase · 65% LTV · 740 FICO · 1.35 DSCR · Condo	7.275%	7.400%	Defy Mortgage
Purchase · 75% LTV · 720 FICO · 1.20 DSCR · SFR · 3yr Prepay	7.900%	7.900%	—
Purchase · 80% LTV · 700 FICO · 1.00 DSCR · Condo	8.650%	8.775%	Defy Mortgage

Estimated, not a quote. Rates are computed from a base index plus illustrative lender adjustment grids and are not offers. Actual terms depend on the lender, property, and your full profile. PropertyInvestorRates may earn a referral fee on a funded loan. We are not a lender or mortgage broker.

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