Arkansas DSCR Loans: No Tax Returns, 1.2 DSCR Min, Rates from 6.25%
Rental property financing for Arkansas investors qualified on property cash flow — not personal income, W-2s, or tax returns. Serving Little Rock, Fayetteville, Fort Smith and the rest of Arkansas. If the property cash-flows at 1.2× the mortgage, you may qualify.
- 1.2 DSCR minimum
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- 680+ FICO
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- Refi from 6.25%
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- 21–30 day close
Can I get a DSCR rental loan in Arkansas?
Yes. DSCR loans in Arkansas qualify investors based on property cash flow with a 1.2 DSCR minimum, 680+ FICO, and 20–25% down. No tax returns, W-2s, or DTI calculation required. 1–4 unit residential and 5+ unit multifamily eligible. Refi rates start at 6.25%.
Published by PeerSense Capital Advisory · Written by Ed Freeman, Founder. Updated May 2026.
Arkansas Rental Market Snapshot
State-level data DSCR underwriters use to size Arkansas rental deals.
Arkansas is an under-the-radar high-cap-rate DSCR market. Northwest Arkansas — Fayetteville, Bentonville, Springdale — has the strongest in-migration and Walmart/Tyson employment anchors. Little Rock and Fort Smith offer entry prices below $200K with rents that still produce 9–10% gross yields. Statutes heavily favor landlords; eviction friction is among the lowest in the country.
Major Arkansas Markets We Fund
Active DSCR deal flow across Arkansas's core rental markets. Same requirements — 1.2 DSCR, 680+ FICO, 20–25% down — apply statewide.
| Metro | Median Price | Gross Yield | DSCR Investor Notes |
|---|---|---|---|
| Little Rock | $195K | 8.0–10.0% | Largest AR market — state capital employment, BRRRR-friendly inventory |
| Fayetteville | $305K | 6.5–8.0% | NWA growth corridor — Walmart HQ, U of A, fastest rent growth in AR |
| Fort Smith | $155K | 9.5–11.5% | Lowest entry price in major AR metros, manufacturing employment base |
Arkansas Eviction Timeline & Landlord Posture
How Arkansas courts handle non-payment evictions — material to DSCR loss-severity assumptions.
Arkansas's unlawful-detainer process allows non-payment evictions in 3 days notice plus court action. Among the most landlord-favoring statutory frameworks in the country, though Pulaski County (Little Rock) calendar can run 4–6 weeks.
Arkansas Rate Adjustment vs National Baseline
Small loan sizes track conventional non-QM curves; landlord-friendly statutes lower loss severity.
Final pricing depends on FICO, LTV, DSCR, property type, and program. Baseline national DSCR refi rates start at 6.25% as of May 2026.
DSCR Lenders Active in Arkansas
The non-bank DSCR programs we see most frequently funding Arkansas rental deals. PeerSense matches your scenario across this lender set rather than locking you into one.
- Kiavi
- Visio Lending
- Lima One
- RCN Capital
- Easy Street Capital
PeerSense is independent — not a lender. Lenders listed are programs we have funded Arkansas deals through; specific terms vary by file.
Arkansas DSCR Loan Requirements
| Requirement | Minimum | Notes |
|---|---|---|
| DSCR | 1.20 | 1.00+ allowed with 740 FICO or 30% down |
| Credit Score | 680 FICO | 640–679 by exception, lower LTV |
| Down Payment | 20–25% | 25% if <1.2 DSCR or <700 FICO |
| Property Type | 1–4 units or multifamily | Condos, townhomes, STRs OK where legal |
| Income Docs | None | No tax returns, W-2s, DTI check |
| Reserves | 6 months PITIA | Checking, savings, stocks qualify |
| Close Time | 21–30 days | Cash-out refi: 14–21 days |
Not a commitment to lend. Rates and terms subject to underwriting. See our full DSCR loan guide for the complete program.
Get Arkansas DSCR Loan Terms
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Related DSCR Resources
- DSCR Loans Hub — Programs & Rates
- DSCR Rental Loans — Full Program Guide
- DSCR for Airbnb / Short-Term Rentals
- DSCR Cash-Out Refinance
- DSCR Jumbo Loans ($1M+)
- DSCR for LLCs / Entity Title
- Best DSCR Lenders 2026
- DSCR Loans — Complete Guide
- DSCR Calculator — Test Your Property
- Fix & Flip Loans — Bridge to DSCR Exit
- Bridge Loans — Short-Term Rental Acquisition
- DSCR vs Conventional Mortgage