Long-term rental financing for investment properties across Arkansas — qualified off the property's income, not your personal DTI. 30-year fixed from 5.75%, up to 80% LTV, and only 3 months of seasoning on cash-out refinances. SLA Capital has closed deals across every major Arkansas metro.
SLA Capital — a Sir Lends A Lot LLC Company
A DSCR loan — short for Debt Service Coverage Ratio — is an investor mortgage that qualifies off the property's rental income rather than the borrower's personal income or debt-to-income ratio. If the property's rent covers the total housing payment (principal, interest, taxes, insurance, and HOA), the loan qualifies. Self-employed investors, LLC-title borrowers, and anyone with complex tax returns can build a rental portfolio without W-2 gymnastics.
Arkansas is a strong cash-flow market. Northwest Arkansas (Walmart HQ + supplier ecosystem) anchors long-term employment and rental demand. Little Rock adds state-capital + healthcare stability. Affordable acquisition basis makes the yield math work.
Bentonville and the surrounding Northwest Arkansas metro have grown around Walmart's global HQ, its supplier network, and Tyson Foods. Sustained employment growth drives real rental demand.
Little Rock, Fort Smith, and Arkansas secondary markets offer entry price-points that make cash-flow math work. Real cash-on-cash returns for buy-and-hold investors.
Arkansas statutes are considered landlord-friendly with predictable eviction timelines. Holding costs stay projectable.
Whether you're closing a single-asset SFR in a smaller Arkansas market or a portfolio in a major metro, we're active statewide. High-volume markets we regularly close in include:
Pulaski County — state capital + healthcare hub
Bentonville, Fayetteville, Rogers, Springdale — Walmart HQ region
Sebastian County — Arkansas River Valley
Craighead County — Arkansas State University
Garland County — LTR + tourism-adjacent demand
Faulkner County — Little Rock-adjacent + UCA demand
Southern Arkansas secondary markets
Statewide coverage — send us any Arkansas property
Same nationwide program, no state-specific surcharges.
Priced off the 5-year Treasury. Real quote in minutes via our loan sizer — no bait-and-switch at close.
Purchase and rate-and-term refis up to 80% LTV. Cash-out refis with 3-month seasoning — no lease required.
30-year fixed, 5-year interest-only, 5/1 ARM, 7/1 ARM.
Single-asset from $55K to $3M. Portfolio structures for 2–10 Arkansas properties on one note.
Up-front pricing. One origination point, standard closing costs, no junk fees.
Property rent must cover PITIA. Below 1.0 scenarios can still qualify with reserves or a rate buy-up.
Yes. SLA Capital funds DSCR rental loans throughout Arkansas — Little Rock, Northwest Arkansas, Fort Smith, Jonesboro, Hot Springs, and every other AR metro. Rates from 5.75%, up to 80% LTV.
Arkansas DSCR loans start at 5.75% on a 30-year fixed structure. Priced off the 5-year Treasury with transparent up-front pricing — the rate you're quoted is the rate you close at.
Every Arkansas metro. High-volume markets: Little Rock, Northwest Arkansas, Fort Smith, Jonesboro, Hot Springs. Secondary markets welcome.
Arkansas is a strong cash-flow market. Northwest Arkansas (Walmart HQ + supplier ecosystem) anchors long-term employment and rental demand. Little Rock adds state-capital + healthcare stability. Affordable acquisition basis makes the yield math work.
3 months. Only 3 months of ownership seasoning is required for cash-out refinances on Arkansas DSCR loans, and no active lease is required at closing.
Send us the property. Our sizer returns a real term sheet in minutes.
Short-term purchase + rehab financing across every Arkansas metro. Rates 9.5–12%. Up to 100% LTC for premier borrowers.
Ground-up construction loans for Arkansas builders. 85% land + 85% build. $100K–$7.5M.