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Investment property loans · AR

Hard money, fix and flip and DSCR loans in Arkansas

Arkansas investors use our loans in Little Rock, in Fayetteville and the growing northwest corner of the state, and in Fort Smith on the Oklahoma line.

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Markets

Where we lend in Arkansas

Cities we lend in include Little Rock, Fayetteville and Fort Smith, and the towns around them.
Little RockOlder houses in Hillcrest, the Quapaw Quarter and South Main, and newer single-family homes in west Little Rock.
FayettevilleRentals near the University of Arkansas and houses across Washington County.
Fort SmithOlder houses in Belle Grove north of downtown and newer homes at Chaffee Crossing.

Arkansas

Loans by city in Arkansas

Each city has its own page: the neighborhoods investors buy in, the housing and the local rules worth checking before an offer.

Loan programs

Loans for Arkansas 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 Arkansas

30-year loans for Arkansas 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 Arkansas

Buy and renovate in Arkansas 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 Arkansas

Close quickly on a Arkansas 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 Arkansas

Financing for new builds in Arkansas, 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 Arkansas

Financing for Arkansas 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 Arkansas

Local things that change a deal's numbers or its closing date. Check them before you make an offer.
  • Arkansas figures property tax on 20% of market value times the local millage. The Amendment 79 homestead credit only applies to the owner's primary residence, so a rental's bill won't carry it. Leave it out when you run the DSCR.
  • Since August 5, 2025, Arkansas's Act 752 requires anyone filing a deed to show photo ID. Licensed attorneys, real estate brokers, financial institution staff and government staff are exempt, so if you record a deed yourself, bring ID.

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Have a Arkansas property in mind?

Contact details first, then single-tap answers on the property, the amount and when you need to close. A loan officer phones you back with terms.
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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 Arkansas: common questions

Do you offer hard money loans in Arkansas?

Yes. United Lending LLC offers private real estate financing for investors in Arkansas: short-term fix and flip and bridge loans sized on the deal, 30-year DSCR loans sized on the rent, and construction and multifamily financing quoted per deal. We're headquartered in Brooklyn, New York, and lend nationwide.

Do you lend in Arkansas?

Yes. United Lending LLC offers business-purpose financing on investment property across Arkansas, including Little Rock, Fayetteville and Fort Smith. Tell us the property's address on the form and a loan officer will confirm the details on the first call.

Which loans can I get for a Arkansas property?

Fix and flip loans of up to 95% of the price and 100% of the rehab budget, and bridge loans up to 95% loan-to-cost, both on 12–18 months interest-only terms. DSCR rental loans are 30-year loans on 1–4 unit rentals, fixed or adjustable, up to 85% loan-to-value on a purchase and 80% on a cash-out refinance; those are separate limits, not one combined offer. Construction and multifamily loans are quoted per deal. All limits are subject to appraisal and underwriting, and every loan is for property you invest in, not a house you or a relative will occupy.

Is there a prepayment penalty on a Arkansas loan?

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 Arkansas or have an LLC there?

No. Many of our borrowers invest outside the state they live in. You can borrow in your own name or through an LLC; if the LLC was formed in another state, your loan officer will tell you what's needed before closing.

Where we lend

More states with local pages