DSCR Lenders in Arkansas
4 verified DSCR lenders serving Arkansas real estate investors. Compare rates, loan programs, and close times — no tax returns required.
Austin, TX
Visio is a pioneer in DSCR lending, exclusively focused on investor rental properties. They offer 30-year fixed DSCR loans, no income verification, and close in 21 days. Rates from 7.25%.
Dallas, TX
Dallas-based DSCR lender serving Texas real estate investors. Fix and flip, bridge, and rental portfolio loans. Close in 14 business days.
Memphis, TN
Memphis DSCR lender for Tennessee and Mid-South investors. Multifamily and portfolio financing. Competitive rates, flexible underwriting.
Charlotte, NC
Non-QM specialist offering DSCR loans, bank statement loans, and asset depletion. Strong wholesale channel. Deephaven is one of the top DSCR lenders for brokers to use with investor clients.
DSCR Loans in Arkansas — FAQ
What is a DSCR loan and how does it work in Arkansas?
A DSCR (Debt Service Coverage Ratio) loan qualifies based on rental income rather than your personal income. Lenders in Arkansas typically require a DSCR of 1.0 or higher, meaning the property's monthly rent covers the mortgage payment. No tax returns or W-2s required.
What credit score do I need for a DSCR loan in Arkansas?
Most Arkansas DSCR lenders require a minimum 660-680 FICO score, though some offer programs down to 620. Higher scores unlock better rates and lower down payments.
What is the minimum down payment for a DSCR loan in Arkansas?
Typical DSCR loans in Arkansas require 20-25% down for single-family rentals. Multifamily (2-4 units) may require 25-30%. Some programs allow as little as 15% with strong DSCR ratios.
How fast can DSCR lenders close in Arkansas?
Most DSCR lenders on this directory offer closings in 14-21 business days. Hard money and bridge lenders can often close in 7-10 days. Compare timelines by viewing individual lender profiles.
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