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Investment property loans · Pulaski County, AR

Hard money, fix and flip and DSCR loans in Little Rock, AR

Little Rock is the Pulaski County seat, on the south bank of the Arkansas River. Investors renovate older houses in the Quapaw Quarter and Hillcrest near downtown and buy newer single-family homes in west Little Rock, where Chenal Valley has grown since 1990. The city counted 98,993 housing units in the 2020 census. Rentals fall under a city registration and inspection program, and a short-term rental that the owner does not live in needs a rezoning.

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Where investors buy

Neighborhoods investors look at in Little Rock

The oldest housing is in the Quapaw Quarter near downtown, where up to fifteen National Register districts hold Antebellum, Victorian and Craftsman homes. Hillcrest was platted between 1890 and 1920, and most of its houses date from about 1890 to 1940. West Little Rock, in the Ouachita foothills, is mostly newer single-family subdivisions such as Chenal Valley.
MacArthur Park Historic DistrictA 60-acre district around MacArthur Park, listed on the National Register in 1977, with Greek Revival and Late Victorian buildings including 19 Second Empire houses; it is also the city's only local ordinance historic district.
HillcrestA former part of Pulaski Heights annexed in 1916, Hillcrest is a 665-acre National Register district of houses built mostly from about 1890 to 1940 in Craftsman, Tudor Revival and Classical Revival styles.
Governor's Mansion areaThe streets around the Governor's Mansion on the 1800 block of Center Street fall under the state Capitol Zoning District, so exterior work there needs a state permit before the city permit.
South Main (SoMa)The South Main Residential Historic District, listed in 2007, runs along South Main Street between 19th and 24th streets and is made up of late 19th- and early 20th-century homes.
Chenal ValleyA west Little Rock area whose fast growth began in 1990 with Chenal Country Club, made up mostly of single-family homes plus some apartment and condominium complexes.

Loan programs

Loans for Little Rock real estate investors

Pick the loan that fits the deal: short-term money to buy, renovate or build, or a long-term loan to hold the property. Published limits are subject to appraisal and underwriting.
Long-term

DSCR rental loans in Little Rock

30-year loans for Little Rock rentals of 1–4 units, fixed or adjustable, qualified on the rent with no personal income verification: up to 85% of the price on a purchase, with loans from $75,000.

Purchase LTV up to85%
Term30 years
Income docsNot required
Loans from$75K

Subject to appraisal and underwriting.

DSCR loans: terms and requirements
Short-term

Fix and flip loans in Little Rock

Buy and renovate in Little Rock with up to 95% of the price and 100% of the rehab budget, on a 12–18 months interest-only loan with no prepayment penalty when the house sells.

Purchase price up to95%
Rehab funded up to100%
Term12–18 months
Prepayment penaltyNone

Subject to appraisal and underwriting.

Fix and flip loans: terms and requirements
Short-term

Bridge loans in Little Rock

Close quickly on a Little Rock property with up to 95% of the cost financed and a 12–18 months interest-only term, then sell it or refinance onto a long-term loan. No prepayment penalty.

Leverage up to95% LTC
Term12–18 months
PaymentsInterest only
Prepayment penaltyNone

Subject to appraisal and underwriting.

Bridge loans: terms and requirements
Short-term

Ground-up construction loans in Little Rock

Financing for new builds in Little Rock, from spec homes built to sell to rentals built to hold. Every project is quoted on its plans, budget and builder.

Quoted on your deal.

Construction loans: get a quote
Long-term

Multifamily and commercial loans in Little Rock

Financing for Little Rock apartment buildings of five units or more, mixed-use and commercial property, quoted on the building's income.

Quoted on your deal.

Multifamily and commercial: get a quote

Good to know

Before you buy in Little Rock

Local rules and costs that change a deal's numbers or closing date in Little Rock and Pulaski County. Sources are listed at the bottom of the page.
  • Register every rental unit with the City of Little Rock and renew each year; registrations run through December 31. The city's program sheet lists $35 a year for an owner or manager with three or fewer units, and a $200 base plus $7 per unit for four or more, so confirm current fees with the Housing and Neighborhood Programs Department.
  • Expect a possible city inspection after you buy a rental. Little Rock's rental inspection ordinance, as revised in 2019 (Code Sec. 8-582), makes a unit subject to inspection when title transfers, on top of a yearly random sample of 20% of registered units and inspections after complaints, fire or storm damage.
  • Plan for a rezoning before running a short-term rental you won't live in (STR-2). Little Rock handles these through a Planned Zoning District approved by the Board of Directors, caps short-term rentals at 500 citywide, and requires an annual inspection fee, an annual business license and liability insurance of at least $1,000,000 per occurrence.
  • Check for historic and Capitol-area review before exterior work. In the MacArthur Park district, owners need a Certificate of Appropriateness from the Historic District Commission. In the State Capitol and Governor's Mansion areas, a Capitol Zoning permit is needed before exterior work, new construction or demolition, and before the city issues a building permit.

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Have a Little Rock property in mind?

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United Lending LLC offers business-purpose financing secured by non-owner-occupied investment real estate. We do not offer loans for personal, family or household purposes, or loans on owner-occupied primary residences.

Questions

Loans in Little Rock: common questions

Do you offer hard money loans in Little Rock?

Yes. United Lending LLC offers private real estate financing for investors in Little Rock and the rest of Pulaski County: fix and flip and bridge loans sized on the deal, and DSCR rental loans sized on the rent. We're headquartered in Brooklyn, New York, and lend nationwide.

Do you offer DSCR loans in Little Rock?

Yes. Our DSCR loans are 30-year loans on 1–4 unit rentals, fixed or adjustable, qualified on the property's rent against its monthly payment with no personal income verification, up to 85% loan-to-value on a purchase and loans from $75,000. Investors use them for rentals in MacArthur Park Historic District, Hillcrest and Governor's Mansion area, among other parts of Little Rock.

How much can I borrow for a Little Rock flip?

Up to 95% of the purchase price and up to 100% of the rehab budget, on a 12–18 months interest-only loan. Those are maximums, subject to appraisal and underwriting: the property, your experience and the comps set what your loan gets.

Is there a prepayment penalty on a loan in Little Rock?

There's no prepayment penalty on fix and flip or bridge loans. DSCR rental loans come with a choice of prepayment terms, from none up to five years, set out in your written terms before you commit.

Do I need to live in Little Rock or have a Arkansas LLC?

No. You can borrow in your own name or through an LLC, wherever you live; many of our borrowers invest outside their home state. If your LLC was formed outside Arkansas, your loan officer will tell you what's needed before closing.

Arkansas

More places we lend in Arkansas

Sources (12)Checked November 10, 2026

United Lending's loan terms are its published program limits. The local rules and costs on this page come from the public sources below, checked on the date shown; confirm them with the city, county or your closing attorney before you rely on them.

  1. City of Little Rock: Rental Housing Registration Program (program sheet, PDF)
  2. City of Little Rock: Board of Directors Communication, Revision to Chapter 8, Article IX (Rental Inspections), Sept. 17, 2019
  3. City of Little Rock: Ordinance amending Chapter 8, Article IX, Secs. 577-586 (Systematic Rental Inspection Program), 2019
  4. City of Little Rock: Board of Directors Communication, Short-Term Rental Ordinance, Jan. 17, 2023
  5. City of Little Rock: Board of Directors Communication, Vasquez STR-2 PD-C rezoning (Z-10284), June 16, 2026
  6. City of Little Rock: Cultural Heritage and Historic Preservation
  7. Arkansas Heritage: Capitol Zoning District Commission
  8. Wikipedia: Little Rock, Arkansas
  9. Wikipedia: Quapaw Quarter
  10. Wikipedia: MacArthur Park Historic District
  11. Wikipedia: Hillcrest Historic District
  12. Wikipedia: Chenal Valley