Arkansas DSCR, Hard Money, Fix & Flip, Construction & Multifamily Loans
Arkansas (AR) Underwriting Snapshot (BLUF): Wholesale business-purpose investment property loans in Arkansas utilize Non-Judicial (Statutory Foreclosure) security instruments, with an average non-homestead effective property tax rate of 0.62%, a median 1–4 unit investment home price of $235,000 (median rent $1,850/mo), and 5+ unit multifamily market rents averaging $1,120/door. Arranged by Loan Daddy LLC (NMLS #2827624).
SECURITY INSTRUMENT
Non-Judicial (Statutory Foreclosure)EFFECTIVE PROPERTY TAX
0.62% Avg ($121/mo)MEDIAN 1–4 UNIT PRICE & RENT
$235,000 · $1,850/mo5+ UNIT MULTIFAMILY RENT
$1,120/door/moArkansas Pre-Populated Underwriting Terminal
1–4 Unit PITIA vs. 5–25+ Unit Commercial NOI Simulator
Loan Daddy LLC · NMLS #2827624 · AZ CMB #CMB-2016143 · Canonical Integer _cents & _bps Engine
Price/Door: $235,000·Loan/Door: $176,250·Avg Rent/Door: $1,850/mo
Prepayment Stepdown Structure
Amortization & FICO Tier
Calculated DSCR Coverage Ratio
1.39xCanonical:
139 bps · 7500 bps LTV · 6625 bps RateTier-1 Institutional (1.25x+ — Max LTV & Best Pricing)
Loan Amount (75% LTV)$176,25017,625,000 _cents
Monthly P&I Debt Service$1,129/mo@ 6.625% Note Rate
Total Monthly PITIA$1,332/moTax: $121 · Ins: $82
Net Monthly Cash Flow+$518/mo$6,213/yr net
Wholesale PPE Multi-Option Execution Comparison (Borrower-Paid 2.000% Default · 39 Wholesale Lenders)
| Execution Option | Prepay Structure | Est. Note Rate | Prepay Price Credit | Monthly Debt Service | DSCR Ratio |
|---|---|---|---|---|---|
| Option A: Lowest Rate (60-Mo Stepdown) | 5-4-3-2-1 | 6.625% | -100 bps (-1.000 pt) | $1,332/mo | 1.39x |
| Option B: Balanced Par (36-Mo Stepdown) | 3-2-1 | 6.875% | -75 bps (-0.750 pt) | $1,362/mo | 1.36x |
| Option C: Max Cash Flow (10-Yr Interest-Only) | 3-2-1 IO | 7.000% | +38 bps IO LLPA | $1,232/mo | 1.50x |
Many DSCR lenders focus on the property's rent, not your tax returns. Not all applicants will qualify; terms vary by lender. Loans made or arranged pursuant to a California Financing Law license, #60DBO-218873.
Arkansas Cities with Population ≥ 50,000 (9 Markets)
Click any Arkansas city below to open its localized DSCR & Commercial Multifamily underwriting desk with county property tax rates, median rent benchmarks, and a pre-populated city deal calculator:
| City (AR) | County | 2026 Est. Pop | Effective Tax Rate | Median 1–4 Unit Price | Median Monthly Rent | 5+ Unit Rent/Door |
|---|---|---|---|---|---|---|
| Little Rock, AR → | PULASKI County County | 215,119 | 0.62% | $240,000 | $1,900/mo | $1,150/door |
| Fort Smith, AR → | SEBASTIAN County County | 95,539 | 0.61% | $210,000 | $1,650/mo | $1,000/door |
| Fayetteville, AR → | WASHINGTON County County | 86,066 | 0.67% | $235,000 | $1,850/mo | $1,125/door |
| Springdale, AR → | WASHINGTON County County | 82,000 | 0.62% | $240,000 | $1,850/mo | $1,125/door |
| Jonesboro, AR → | CRAIGHEAD County County | 77,991 | 0.62% | $225,000 | $1,800/mo | $1,075/door |
| North Little Rock, AR → | PULASKI County County | 72,022 | 0.62% | $210,000 | $1,700/mo | $1,025/door |
| Conway, AR → | FAULKNER County County | 69,559 | 0.67% | $235,000 | $1,850/mo | $1,125/door |
| Rogers, AR → | BENTON County County | 65,522 | 0.67% | $235,000 | $1,850/mo | $1,125/door |
| Pine Bluff, AR → | JEFFERSON County County | 50,242 | 0.67% | $235,000 | $1,850/mo | $1,125/door |