FIX & FLIP LOANS · Arkansas (AR) Underwriting Matrix · Stephen R. Mannenbach, J.D., MBA

Arkansas Fix and Flip Loans (Up to 90% Purchase LTC + 100% Rehab Financing) — 2026 Rates, LTV Caps & State Rules

Arkansas Fix & Flip Loans provide business-purpose real estate investors with Up to 90% Purchase + 100% Rehab (75% ARV Cap) across loan amounts from $100,000 – $15,000,000+ at 9.25% – 11.25% Interest-Only (12 – 18 Months Interest-Only (No Prepayment Penalty), 620 – 660+ FICO min FICO, 7 – 10 Business Days close). In Arkansas (AR), lenders underwrite to a Non-Judicial (Statutory Foreclosure) statutory framework (60–85 days-day average timeline), a 0.62% average property tax rate (~$121/mo at the $235,000 state median), and $680/$100K hazard insurance (~$133/mo).

Max Leverage / LTC

Up to 90% Purchase + 100% Rehab (75% ARV Cap)

Min FICO: 620 – 660+ FICO

2026 Rate Band

9.25% – 11.25% Interest-Only

12 – 18 Months Interest-Only (No Prepayment Penalty)

AR Security Instrument

Non-Judicial (Statutory Foreclosure)

60–85 days days avg timeline

AR Avg Tax & Ins

0.62% Tax

$680/$100K Hazard Ins