Arkansas (AR) · Non-Judicial (Statutory Foreclosure) Foreclosure · 2026 DSCR Desk

Arkansas DSCR Loans — 2026 Rates, 80% LTV & Investor Guidelines

Arkansas DSCR loans allow real estate investors to acquire or cash-out refinance 1–4 unit rentals, short-term rentals (Airbnb/VRBO), and 5–100+ unit multifamily properties in Arkansas (AR) up to 80% Purchase LTV and 75% Cash-Out LTV at 6.125%–7.875% with zero personal tax returns. At the Arkansas median 1–4 unit price of $235,000 and Form 1007 rent of $1,850/mo (0.62% property tax, $680/$100K hazard insurance), a 75% LTV loan models at 1.32x DSCR ($1,397/mo total PITIA).

Median 1–4 Unit Price

$235,000

75% LTV: $176,250

Median Form 1007 Rent

$1,850/mo

Modeled DSCR: 1.32x

AR Effective Tax Rate

0.62%

~$121/mo Tax Escrow

Security Instrument

Non-Judicial (Statutory Foreclosure)

Avg Timeline: 60–85 days days

All 10 Investor Loan Programs in Arkansas (AR)

Arkansas DSCR Loans

Up to 80% LTV Purchase / 75% Cash-Out · 6.375% – 8.25% (Wholesale Tier Dependent)

Min FICO: 620 – 660+ FICO · Close: 14 – 21 Business Days

Arkansas Hard Money Loans

Up to 85%–90% LTC / 75% ARV · 9.25% – 11.50% Interest-Only

Min FICO: 600 – 640+ FICO (Asset-Backed) · Close: 5 – 10 Business Days

Arkansas Private Money Loans

Up to 80% LTV / 85% LTC · 8.99% – 11.25% Interest-Only

Min FICO: Flexible Credit / Equity-Driven · Close: 7 – 12 Business Days

Arkansas Fix & Flip Loans

Up to 90% Purchase + 100% Rehab (75% ARV Cap) · 9.25% – 11.25% Interest-Only

Min FICO: 620 – 660+ FICO · Close: 7 – 10 Business Days

Arkansas Bridge Loans

Up to 80% LTV Acquisition / 75% Bridge Cash-Out · 8.75% – 10.99% Interest-Only

Min FICO: 640+ FICO · Close: 10 – 15 Business Days

Arkansas Ground-Up Construction

Up to 85% LTC / 70%–75% Completed ARV · 9.75% – 11.75% Interest-Only on Drawn Funds

Min FICO: 660+ FICO · Close: 14 – 21 Business Days

Arkansas Multifamily (5+ Units)

Up to 75%–80% LTV Purchase / 70%–75% Cash-Out · 6.50% – 8.50% (Perm) / 8.99%+ (Value-Add Bridge)

Min FICO: 660+ FICO · Close: 21 – 30 Business Days

Arkansas Commercial Property

Up to 75% LTV · 6.875% – 8.99%

Min FICO: 660+ FICO · Close: 21 – 30 Business Days

Arkansas Rehab & BRRRR Loans

Up to 85%–90% LTC + 100% Rehab Escrowed · 9.25% – 11.25% (Bridge Phase) -> 6.50%+ (DSCR Takeout)

Min FICO: 620+ FICO · Close: 7 – 12 Business Days

Arkansas Cash-Out Refinance

Up to 75% LTV Cash-Out (Select 80% LTV Tiers) · 6.625% – 8.375%

Min FICO: 640 – 680+ FICO · Close: 14 – 21 Business Days

Top Arkansas Investment Cities

Little Rock, AR Fort Smith, AR Fayetteville, AR Springdale, AR Jonesboro, AR North Little Rock, AR Conway, AR Rogers, AR Pine Bluff, AR

Arkansas DSCR Loans (2026) — 80% LTV, Rates & AR Underwriting Guide | Arizona Private Money Loan — No-Tax-Return Asset-Based Equity, Auction & Cash-Out Bridge Loans