Arkansas DSCR Loans
EasyRent is our tailored and industry-leading DSCR Loan solution for Arkansas real estate investors. Whether you are acquiring property to expand your portfolio or cashing out your capital in a refinance, we have a loan for you. Our DSCR Lending Program has solutions for anyone – from first-time investors to industry veterans looking to rapidly scale their portfolios. We are confident we can find you a great Arkansas DSCR loan in a quick, efficient and easy process. Click the button below and get started today!
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What is a DSCR Loan?
A DSCR Loan is a mortgage loan for a residential income-producing property. It is primarily based on the “Debt Service Coverage Ratio” or the cash flow of the property, rather than the borrower’s income. A traditional mortgage loan will require income verification, tax returns and a “Debt-to-Income” (DTI) ratio. DSCR Loans require none of these! Perfect for real estate investors ready to scale (no more W2!) or are looking leave behind the hassle, paperwork and headaches of conventional financing, DSCR Loans are quickly becoming the go-to loan option for real estate investors.
For a comprehensive definition, “DSCR Loans are mortgage loans secured by residential real estate turnkey properties strictly used for a business purpose and underwritten primarily based on the property.”
DSCR Loan Definition Breakdown
- Mortgage Loans = form of loan that is secured by collateral, collateral = real estate
- Residential Real Estate = properties used for people to live in vs. commercial, which is used to operate businesses (offices, retail, industrial, hotel, self-storage, etc.). In real estate finance, residential also typically refers to “1-4 unit” properties, anything more would be considered “multifamily”
- Business Purpose = DSCR loans strictly do not allow the owner of the property to live in the property, it must be used for “business” or investment purposes. Includes use of “cash-out proceeds”
- Underwritten = How lender evaluates (and then prices) the risk of the loan
- Primarily Based on Property = Mostly based on property, but also look at sponsor
- Turnkey = property doesn’t require any renovation, “turn the key and go”
Looking to get a deeper understanding of all things DSCR? Check out our DSCR Loans Guide below!
ARKANSAS Recent DSCR Fundings
Real Investments. Real Results.
Real estate investors in the Natural State are turning to DSCR Loans as a strategic tool to expand and manage their investment property portfolios. DSCR loans allow investors to secure financing based on the property's ability to generate income (rather than an investor's individual credit profile). In a market like Arkansas, where real estate prices have shown steady growth and rental demand remains steady, DSCR loans offer investors a flexible and effective means to acquire new properties, improve existing ones, or refinance their assets. Easy Street Capital is proud to be a leading provider of DSCR loans for Arkansas real estate investors looking to build rental portfolios! Check out our most recently funded DSCR loans in Arkansas below:
Single-Family Residence
Hot Springs, AR
$168,750 Arkansas DSCR Rental Loan for an Acquisition of a rental property in Hot Springs. Located just five miles from Hot Springs National Park, this property offers easy access to natural thermal waters and scenic hiking trails. It’s also only two miles from the downtown area, where you can explore historic bathhouses, unique shops, and a variety of restaurants.
Single-Family Residence
Benton, AR
$138,000 Arkansas DSCR Rental Loan for a Cash-Out Refinance of a rental property in Benton. This property is located near schools, employment facilities, grocery stores, large retailers, and restaurants, all within five miles. Additionally, recent renovations of this property include updated bathrooms and fresh paint.
Single-Family Residence
Jacksonville, AR
$119,200 Arkansas DSCR Rental Loan for an Acquisition of a rental property in Jacksonville. This property is located in a family-friendly, suburban neighborhood with good access to many recreational areas for hiking and fishing, such as Holland Bottoms State Wildlife Area, Dupree Park and Lake, and Lake Pickthorne.
Single-Family Residence
West Memphis, AR
$79,000 Arkansas DSCR Rental Loan for an Acquisition of a rental property in West Memphis. Just a short 10-minute drive will take you to Downtown Memphis, Tennessee – the Home of Blues and the Birthplace of Rock N Roll. This area offers a plethora of entertainment, dining, and unique music tours and shows.
Single-Family Residence
Hot Springs, AR
$618,750 Arkansas DSCR Rental Loan for an Acquisition of a rental property in Hot Springs. Located at the top of Sunrise Summit it offers views of Lake Hamilton and Hot Springs National Park from each room of the house. The property is in close proximity to Oaklawn Casino and multiple access points to the lake and national park making it the ideal stay for guests visiting the area.
Single-Family Residence
Benton, AR
$90,300 Arkansas DSCR Rental Loan for a Cash-Out Refinance on a rental property in Benton. This recently renovated 1,101 square-foot property features five updated rooms consisting of two bedrooms and one bathroom. Benton benefits from its proximity to eh Ozarks and has an abundance of scenic wildlife and forestry.
Single-Family Residence
Little Rock, AR
$363,750 Arkansas DSCR Rental Loan for an Acquisition of a rental property in Little Rock. Located in a stunning natural setting just north of Otter Creek, it is conveniently close to I-430/East, the interstate highway bypassing the city of Little Rock, and within short commuting distance to employment centers and retail areas.
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