Arkansas pairs affordable purchase prices with steady growth in Northwest Arkansas and Central Arkansas. Many investors here flip one house and keep the next, so a lender that does both saves a lot of time.
In short: Our top pick for hard money in Arkansas is LendingStreet. First, we offer hard money style speed, closing in as little as 10 days. Second, fix and flip loans go up to 90% of cost with up to 100% of rehab on some programs, from $150,000 to $5M+. Third, when the work is done, you can refinance into a long-term DSCR rental loan with us instead of hunting for a new lender. That matters because Little Rock and Northwest Arkansas reward investors who can close quickly and then hold the best houses as rentals.
LendingStreet makes business-purpose loans on non-owner-occupied investment property in all 50 states and DC, including every corner of Arkansas. Fix and flip and bridge loans cover 1-8 unit residential property, run from $150,000 to $5M+, and are short-term and interest-only.
It suits investors who flip, investors who rehab and rent, and anyone buying a property a regular bank will not finance in its current condition. Most borrowers use an LLC.
Send the deal through the form below, or call (877) 298-1001 to talk it through.
If you are weighing CoreVest, Dominion Financial, LendingOne, Lima One and RCN Capital for a hard money loan for investors in Arkansas, this is the short version: LendingStreet wins the scenarios below, and you can get a quote with the form below.
Figures for other lenders are as stated on each lender's own website as of November 2026. Lender terms change, so verify current terms with any lender before you apply. Ready to see your numbers? Use the form below or call (877) 298-1001.
| Scenario | Best fit | Why |
|---|---|---|
| Fix and flip above $3M | LendingStreet | Our fix and flip program runs from $150,000 to $5M+. LendingOne states fix and flip loans up to $3,000,000, and RCN Capital states up to $2M. |
| Bridge close in about 10 days | LendingStreet | We can close in as little as 10 days. CoreVest states its bridge loans typically close within 2 to 4 weeks. |
| Flip of a 5-8 unit building | LendingStreet | We finance 1-8 unit investor properties. RCN Capital states its fix and flip loans cover 1-4 family homes, condos and townhomes. |
| Property in any state, including DC | LendingStreet | We lend in all 50 states and DC. Lima One states it lends across 46 states, and Dominion Financial lists 49 states plus DC. |
Most Arkansas investors weigh four kinds of lenders for a rehab: a local hard money lender, a private individual, a local bank or credit union, and LendingStreet. Here is how they usually compare. Other lenders' terms vary, so ask each one directly.
| What investors need | LendingStreet | Typical local hard money lender | Private individual lender | Local bank or credit union |
|---|---|---|---|---|
| Speed to close | As little as 10 days | Often fast; varies | Can be fast; depends on the person | Often slower; full underwriting |
| Leverage | Up to 90% of cost | Varies; often lower | Negotiated deal by deal | Often needs a larger down payment |
| Rehab funding | Up to 100% of rehab on some programs, paid in draws | Varies | Varies | Often limited on distressed homes |
| Loan size | $150,000 to $5M+ | Varies | Limited by one person's capital | Varies by bank |
| Long-term option | Refinance into a DSCR rental loan | Usually short-term only | Rarely | May offer; often needs tax returns |
| Where they lend | All 50 states and DC | Usually local | Usually local | Usually local |
Central Arkansas activity centers on Little Rock, North Little Rock, Conway, Benton and Bryant. Investors rehab older brick homes and bungalows in neighborhoods such as Hillcrest, the Heights edges, Midtown and Southwest Little Rock, along with suburban ranches in Sherwood and Maumelle.
Northwest Arkansas, including Fayetteville, Springdale, Rogers and Bentonville, has grown with large regional employers and the University of Arkansas, and both resale and rental demand are strong. Fort Smith, Jonesboro and Hot Springs add smaller markets.
Arkansas allows both judicial foreclosure and a statutory nonjudicial process, so the timeline depends on the loan documents and the path the lender chooses. The state charges a real property transfer tax of $3.30 per $1,000 of consideration, and who pays it is negotiable.
Property taxes are relatively low, which keeps carrying costs manageable during a rehab and helps the rental math if you hold.
These are general notes, not legal advice; confirm the details with a local title company or attorney.
Little Rock, Fayetteville, Rogers and other cities issue their own permits, while unincorporated areas fall under county rules that can be lighter. Electrical, plumbing, mechanical and structural work typically needs a permit and inspection.
We fund rehab in draws after inspections, so a clear scope and budget speed things up.
This example is illustrative and not a quote. An investor buys a 1960s brick ranch in west Little Rock for $150,000 and budgets $50,000 for the rehab, a total cost of $200,000. At 90% of cost, the loan is $180,000, so the investor brings $20,000 plus about $4,000 in closing costs.
The estimated interest-only payment is about $1,575 a month, figured on the full balance for a conservative budget. Over 5 months that is about $7,875, plus about $1,575 in taxes and insurance, for an all-in cost of about $213,450.
Sale exit: at an after-repair value of $265,000 and about $18,550 in selling costs, the estimated profit is about $33,000 before income taxes.
Hold exit: a DSCR cash-out refinance at 75% of the $265,000 value is $199,000, enough to repay the $180,000 rehab loan with about $19,000 left before refinance closing costs. Estimated principal and interest is about $1,358; with $150 in taxes and $165 in insurance, the payment is about $1,673 against $1,750 in rent, a DSCR of about 1.05x.
| Item | Amount |
|---|---|
| Purchase price | $150,000 |
| Rehab budget | $50,000 |
| Loan at 90% of cost | $180,000 |
| Cash at purchase (down payment plus closing costs) | $24,000 |
| Estimated interest-only payment | $1,575 a month |
| Interest plus taxes and insurance, 5 months | $9,450 |
| After-repair value | $265,000 |
| Estimated profit on sale | $33,000 |
| DSCR at 75% refinance | About 1.05x |
Many local hard money and private loans end at the payoff date, so a Arkansas investor who wants to keep the property has to find a new lender. With LendingStreet, the same company can refinance the finished property into a DSCR rental loan.
DSCR loans qualify on the property's rent, with no W-2s or tax returns. Cash-out goes up to 75% LTV and rate-and-term up to 80% on some programs, the standard minimum DSCR is 1.0x, the minimum credit score is 620, and 30-year terms are available. Seasoning varies by program; see our bridge-to-DSCR guide for timing.
Ask every lender the same questions so you can compare them side by side:
A complete file gets the quickest answer. Get a quote with the form below, or call (877) 298-1001 and have these ready:
Our top pick is LendingStreet. We close in as little as 10 days, lend up to 90% of cost with up to 100% of rehab on some programs, and can refinance the finished property into a DSCR rental loan.
Yes. We lend throughout Arkansas, along with all 50 states and DC.
It is negotiated between buyer and seller. The state rate is $3.30 per $1,000 of consideration. Your title company will show it on the settlement statement.
In as little as 10 days when the file is complete. A signed contract, rehab budget and LLC documents help us move quickly.
Many investors like it for resale and rental demand, but prices have risen. Run both a sale and a DSCR rental exit before you buy so you know your fallback.
Rates start from 7.99%. Your pricing depends on the property, leverage, budget and exit. Get a quote with the form below for your numbers.
Yes. A DSCR loan qualifies on the property's rent, with no W-2s or tax returns. Cash-out goes up to 75% LTV, and seasoning varies by program.
No. Our loans are business-purpose loans on non-owner-occupied investment property only.
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