Arkansas DSCR loans allow real estate investors to acquire or cash-out refinance 1–4 unit rentals, short-term rentals (Airbnb/VRBO), and 5–100+ unit multifamily properties in Arkansas (AR) up to 80% Purchase LTV and 75% Cash-Out LTV across 30-year fixed, ARM, and interest-only wholesale shelves with zero personal tax returns. At the Arkansas median 1–4 unit price of $235,000 and Form 1007 rent of $1,850/mo (0.62% property tax, $680/$100K hazard insurance), an illustrative 75% LTV scenario models at 1.32x DSCR ($1,397/mo modeled PITIA).