What are DSCR loan rates in Arkansas?

As of November 2025, DSCR loan rates in Arkansas start in the mid-7% range for borrowers with 700+ credit and 25% down. Rates vary by LTV, DSCR ratio, and property type.

What's the minimum DSCR ratio to qualify in Arkansas?

Most Arkansas DSCR programs require a 1.0 ratio (rent ≥ PITI). FundNow offers programs down to 0.75 DSCR with compensating factors.

Can I get a DSCR loan in Arkansas as an out-of-state investor?

Yes. We routinely fund out-of-state and foreign-national investors buying rental properties in Arkansas. No state-of-residence requirement.

Does FundNow lend on short-term rentals in Arkansas?

Yes. We offer dedicated DSCR programs for Airbnb and VRBO properties in Arkansas, including projected STR income from AirDNA or similar data sources.

How fast can I close a DSCR loan in Arkansas?

Typical close time in Arkansas is 13–21 days from application, depending on appraisal and title turnaround.

Arkansas (AR)

DSCR Loans in Arkansas

Property-cash-flow mortgages for Arkansas real estate investors. No tax returns, 80% LTV, close in 13 days.

Get a AR DSCR Quote Run DSCR Calculator

Why DSCR Loans Work in Arkansas

Northwest Arkansas is booming behind corporate expansion, while Little Rock offers some of the lowest entry prices in the region.

Average Rent

$1,300/mo

Top Markets

Bentonville & Fayetteville for growth; Little Rock for cash flow.

Close Time

13–21 days statewide

Arkansas DSCR Loan Program

Loan Amount
$100,000 – $5,000,000+
Max LTV
80% purchase · 80% cash-out refi
Minimum Credit
620 FICO
Minimum DSCR
1.0 (sub-1.0 with compensating factors)
Property Types
1–8 unit residential, condos, small multi-family, STR
Borrower Entity
Individual, LLC, LP, Trust
Income Documentation
None required
Rate Range
Mid-7% to low-9% (Nov 2025)

Cities We Fund in Arkansas

Little Rock

Fayetteville

Bentonville

Springdale

Plus every other city, town, and county across Arkansas. Statewide coverage.

Related Resources

DSCR Loan Program Overview →

Full program details, rates, and how DSCR loans work.

DSCR Loan Requirements →

Credit, DSCR ratio, down payment, and documentation.

DSCR vs Conventional →

Compare DSCR to traditional investment mortgages.

DSCR Calculator →

See if your Arkansas property qualifies in 30 seconds.

DSCR Loans in Other States

Frequently Asked Questions

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