Arkansas DSCR Loans for Rental Property
Are you seeking long-term private financing for a residential rental property in Arkansas? On this page you'll find a list of lenders that offer these “DSCR” loans for single family homes, condos, and 2-4 unit rental properties in urban areas. Some lenders consider vacation rentals (aka short-term rental or STR). For a purchase, investors typically need a minimum down payment of 20%, and it could be higher depending on the debt service coverage ratio (DSCR), borrower’s credit score and location. The loans terms range from 3 to 30 years. D.S.C.R. stands for debt service coverage ratio, which is a measure of the property's cash flow. The formula is gross rental income divided by expenses (mortgage principal and interest, property taxes, insurance, and HOA dues, if applicable). These loans qualify based on the DSCR rather than the borrower's personal income.Searching...
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Rain City Capital
Quick, Simple, Reliable Direct Lender for Real Estate Investors
Temple View Capital
Direct Lender for Residenital Property Investors Nationwide
Certain Lending
The Mortgage Company Built for Real Estate Investors
American Heritage Lending
Direct Lender for Residential Real Estate Investors Nationwide
RCN Capital
Direct Lender for Residential Fix & Flip, Long-Term Rental, Bridge Loans
Center Street Lending
Smarter Loans for Residential Investors
Malve Capital LLC
Fast And Easy Real Estate Loans. Closing as fast as 5 business days, subject to clear title.
Kiavi
Servicing 18,000+ Real Estate Investors Across the Country
Residential Capital Partners
100% Financing for Residential Rehab Projects (NO Money Down)
Accolend
No Points, 0% Origination Fee | Residential, Multifamily, Mixed-Use
LendingOne
Rental, Fix & Flip, New Construction, Fix to Rent, SFR Portfolio Loans Nationwide
Top Arkansas DSCR Lenders for Rental Properties
According to SFR Analtyics, here are the top private lending companies that are funding DSCR long-term loans secured by residential rental properties in Arkansas, along with the approximate loan volume funded. The list ranks each lender by the total loan volume originated throughout Arkansas from July 2025 to September 2025.
- American Heritage Lending funded over $1,021,733
- Visio Lending funded over $561,495
Click the links to view each lender’s profile. The lenders without a link do not have an active Lender Link profile. The loan volume amounts mentioned are approximate. Not every loan has maturity data, so some lender’s volume may be higher than shown.
SFR Analtyics provides advanced analytics for top-performing real estate investors and private lenders. Their platform provides nationwide, real-time property data, including market activity, ownership changes, and detailed buyer behavior insights. With custom dashboards and alerts, users can track active investor and lender activity, access rental market information, and analyze geographic and demographic trends. Their Private Lender Radar product gives lenders deep insights into borrower portfolios, lending activity, and verified contact details. For those needing bulk data, they supply updated daily records, including deeds, rental listings, demographic data, and building permits, to support informed decision-making across the residential real estate market..
Arkansas DSCR Loan Interest Rates
According to the loan documents software company, Lightning Docs, the average interest rate for Arkansas DSCR long-term rental loans in the 1st quarter of 2026 was 7.32%. The average loan amount was $226,913. These stats are the average of 41 loans funded for residential rental properties in Arkansas between January 1, 2026 and March 31, 2026 by multiple lenders that use Lightning Docs as their preferred software provider to prepare loan documents.
Arkansas DSCR Rental Loan Volume
According to SFR Analytics, here is the approximate quarterly volume of DSCR loans secured by residential rental properties in Arkansas which were funded from January 2025 to December 2025.
- Approximately $- of DSCR rental loans were funded in the 4th quarter of 2025 for - borrowers.
- Approximately $1,583,228 of DSCR rental loans were funded in the 3rd quarter of 2025 for 6 borrowers.
- Approximately $2,989,180 of DSCR rental loans were funded in the 2nd quarter of 2025 for 22 borrowers.
- Approximately $3,487,224 of DSCR rental loans were funded in the 1st quarter of 2025 for 24 borrowers.
SFR Analytics provides advanced analytics for top-performing real estate investors and private lenders. Their platform provides nationwide, real-time property data, including market activity, ownership changes, and detailed buyer behavior insights. With custom dashboards and alerts, users can track active investor and lender activity, access rental market information, and analyze geographic and demographic trends. Their Private Lender Radar product gives lenders deep insights into borrower portfolios, lending activity, and verified contact details. For those needing bulk data, they supply updated daily records, including deeds, rental listings, demographic data, and building permits, to support informed decision-making across the residential real estate market.
