DSCR Loans in Little Rock, AR
Find lenders offering dscr loans in the Little Rock, including North Little Rock, Conway, Benton, and surrounding areas. Compare rates, terms, and programs from 42 lenders.
Which DSCR lenders serve Little Rock?
42 lenders offering dscr loans in the Little Rock, AR area.
A&D Mortgage
Fort Lauderdale, FL
Wholesale non-QM lender. DSCR loans with 0 minimum DSCR, 80% max LTV, min FICO 620.
Angel Oak Mortgage Solutions
Atlanta, GA
Major non-QM and DSCR lender. Investor cash flow loans up to $1.5M. 40-year terms with interest-only options. No limit on properties.
Civic Financial Services
Redondo Beach, CA
Private money lender for residential investment properties. Bridge and DSCR rental loans. Subsidiary of Pacific Western Bank.
CoreVest Finance
Irvine, CA
Rental portfolio and bridge lender for residential real estate investors. Build-to-rent and portfolio financing specialist. Redwood Trust subsidiary.
CrossCountry Mortgage
Cleveland, OH
Large national lender offering DSCR, bank statement, and non-QM mortgage products alongside conventional and government loans.
Defy Mortgage
FL
DSCR lender with flexible terms. Accepts DSCR as low as 0.75 or no ratio. Up to 85% LTV on SFR purchases. Available in 35+ states.
Easy Street Capital
Austin, TX
Investment property lender specializing in fix-and-flip, bridge, and DSCR rental loans. Loans approved in 24 hours, close in 48 hours. Min credit score 600.
Griffin Funding
CA
Nationwide DSCR lender. No income verification, DSCR as low as 0.75. Up to $5M loan amounts. Also offers VA, conventional, and non-QM loans.
JMAC Lending
CA
DSCR loans available in select states. Min DSCR 0.75, max LTV 75%, min FICO 660-700.
Kiavi
San Francisco, CA
Technology-driven lender (formerly LendingHome). $16B+ in loans funded. DSCR rental loans and bridge loans for fix-and-flip.
Lending One
Boca Raton, FL
National direct lender for real estate investors. Fix-and-flip, bridge, and 30-year DSCR rental loans. $5B+ in originations.
Lima One Capital
Greenville, SC
Private lender for real estate investors. DSCR loans require 1.5+ ratio, min FICO 700. 5, 10, and 30-year options. Up to 75% LTV on purchases.
New Silver Lending
FL
Direct lender for real estate investors. DSCR loans with no minimum DSCR requirement. Also offers fix-and-flip, bridge, and construction loans.
North American Savings Bank
Kansas City, MO
Offers 11 types of non-QM loans including bank statement, asset depletion, DSCR, and bridge. 100,000+ mortgages closed since 2010, $30B+ loaned.
RCN Capital
South Windsor, CT
Nationwide private lender for fix-and-flip, bridge, and rental loans. Fast closings and flexible terms.
What does the Little Rock commercial real estate market look like?
Little Rock is Arkansas's capital and its largest commercial real estate market, with office demand driven by state government, financial services, and healthcare employers concentrated in the downtown core and the West Little Rock corridor along Chenal Parkway. The I-30 corridor connecting Little Rock and North Little Rock is the metro's primary industrial and logistics zone, while the I-430/I-630 interchange area serves as the suburban office and retail center. The River Market District along the Arkansas River has matured into a mixed-use entertainment and dining destination with adjacent multifamily and Class A office development. Medical office demand is strong, supported by the University of Arkansas for Medical Sciences campus and several major hospital systems.
Key Economic Drivers
- ●Arkansas state government offices and regulatory agencies
- ●University of Arkansas for Medical Sciences (UAMS) hospital and research complex
- ●Dillard's, Stephens Inc., and Windstream Holdings corporate operations
- ●Little Rock Air Force Base in nearby Jacksonville
Market Insight
Arkansas caps annual property assessment increases at 5% under Amendment 79, providing CRE investors with unusually predictable operating expense growth compared to states that reassess at full market value each year.
How do dscr loans work in Little Rock, Arkansas?
Debt Service Coverage Ratio (DSCR) loans let real estate investors qualify based on the property's rental income rather than personal income or employment. Ideal for investors building a portfolio without traditional income documentation. In the Little Rock metro area, borrowers can access 42 lenders offering DSCR financing, including North Little Rock, Conway, Benton, and surrounding areas. Loan amounts typically range from $100K to $5M with rates from 7.0% - 9.5%.
Who should consider dscr loans?
- Real estate investors
- Portfolio builders
- Self-employed borrowers
- Foreign nationals
What are the key requirements?
- Minimum credit score: 620-680
- DSCR ratio ≥ 1.0
- Down payment: 20-25%
- Property must be investment (not owner-occupied)
Advantages
- ✓No personal income verification
- ✓Unlimited properties
- ✓Fast closing
- ✓LLC/entity vesting allowed
Considerations
- •Higher rates than conventional
- •Larger down payment
- •Prepayment penalties common
- •Minimum DSCR ratio required (typically 1.0-1.25)
DSCR Loans in Little Rock FAQ
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