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✦Prime Rate:7.00%✦Fed Funds:3.75%✦5 Yr Treasury:5.00%↓✦10 Yr Treasury:5.21%↓✦30 Yr Treasury:5.56%↓✦30 Yr Mortgage:7.40%·Updated Oct 13, 2026✦Prime Rate:7.00%✦Fed Funds:3.75%✦5 Yr Treasury:5.00%↓✦10 Yr Treasury:5.21%↓✦30 Yr Treasury:5.56%↓✦30 Yr Mortgage:7.40%·Updated Oct 13, 2026
Rates

Arkansas DSCR Loans: No Tax Returns, 1.2 DSCR Min, Rates from 5.80%

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
  • Credit is lender underwriting
  • Best tier from 5.80%
  • 21 to 30 day close

Indicative as of October 1, 2026. Not a quote. Lenders set final pricing at underwriting.

Talk to PeerSenseCalculate Your DSCR

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. Credit and equity injection are lender underwriting. PeerSense does not set a FICO floor. No tax returns, W 2s, or DTI calculation required. 1 to 4 unit residential and 5+ unit multifamily eligible. Governed best tier floor 5.80% from rate-floors.json.

Published by PeerSense Capital Advisory · Written by Ed Freeman, Founder. Updated October 1, 2026.

Indicative only, as of October 1, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense sources the file. The lender sets pricing. What these terms mean.

Arkansas Rental Market Snapshot

State level data DSCR underwriters use to size Arkansas rental deals.

Median Home Price
$205K
Statewide single family
Gross Rental Yield
7.5 to 10.0%
Annual rent / price
Eviction Timeline
30 to 45 days
landlord-friendly
Rate Adjustment
neutral
vs national baseline

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 to 10% gross yields. Statutes heavily favor landlords; eviction friction is among the lowest in the country.

Major Arkansas Markets We Serve

Active DSCR deal flow across Arkansas's core rental markets. Same DSCR math statewide. Credit and equity injection are lender underwriting.

MetroMedian PriceGross YieldDSCR Investor Notes
Little Rock$195K8.0 to 10.0%Largest AR market, state capital employment, BRRRR friendly inventory
Fayetteville$305K6.5 to 8.0%NWA growth corridor, Walmart HQ, U of A, fastest rent growth in AR
Fort Smith$155K9.5 to 11.5%Lowest entry price in major AR metros, manufacturing employment base
Arkansas investor note:Arkansas has no statewide rent control and is one of the few US states without a comprehensive landlord tenant statute, which generally favors landlords. Fayetteville Springdale (NWA) is the fastest growing metro in the South.

Arkansas Eviction Timeline & Landlord Posture

How Arkansas courts handle non payment evictions, material to DSCR loss severity assumptions.

Posture
landlord-friendly
Typical Timeline
30 to 45 days
Rent Control
None / preempted

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 to 6 weeks.

Arkansas Rate Adjustment vs National Baseline

neutralover national baseline pricing

Small loan sizes track conventional non QM curves; landlord friendly statutes lower loss severity.

Final pricing depends on DSCR, LTV, property type, and program. Credit is lender underwriting. Governed best tier floor 5.80% from rate-floors.json as of October 1, 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 sources capital through a curated network of commercial lenders and capital sources. Lenders listed are programs we have funded Arkansas deals through; specific terms vary by file.

Arkansas DSCR Loan Requirements

RequirementMinimumNotes
DSCR1.201.00+ exists on specialty programs. Credit and equity are lender underwriting.
CreditLender underwritingPeerSense does not set a FICO floor. Capture the score on the form.
EquityLender underwritingPurchase DSCR is commonly structured around 65 to 75% LTV. PeerSense does not set a typical down.
Property Type1 to 4 units or multifamilyCondos, townhomes, STRs OK where legal
Income DocsNoneNo tax returns, W 2s, DTI check
Reserves6 months PITIAChecking, savings, stocks qualify
Close Time21 to 30 daysCash out refi: 14 to 21 days

Not a commitment to lend. Rates and terms subject to underwriting. See our full DSCR loan guide for the complete program.

Indicative only, as of October 1, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense sources the file. The lender sets pricing. What these terms mean.

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