GROUND-UP CONSTRUCTION · Arkansas (AR) Underwriting Matrix · Stephen R. Mannenbach, J.D., MBA

Arkansas Ground-Up Construction Loans (Spec Homes, Duplex/Fourplex & Build-to-Rent) — 2026 Rates, LTV Caps & State Rules

Arkansas Ground-Up Construction provide business-purpose real estate investors with Up to 85% LTC / 70%–75% Completed ARV across loan amounts from $100,000 – $15,000,000+ at 9.75% – 11.75% Interest-Only on Drawn Funds (12 – 24 Months Interest-Only, 660+ FICO min FICO, 14 – 21 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 85% LTC / 70%–75% Completed ARV
Min FICO: 660+ FICO
2026 Rate Band
9.75% – 11.75% Interest-Only on Drawn Funds
12 – 24 Months Interest-Only
AR Security Instrument
Non-Judicial (Statutory Foreclosure)
60–85 days days avg timeline
AR Avg Tax & Ins
0.62% Tax
$680/$100K Hazard Ins

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Arkansas Ground-Up Construction (2026) — Up to 85% LTC / 70%–75% Completed ARV, 9.75% – 11.75% Interest-Only on Drawn Funds | Stephen R. Mannenbach | Stephen Mannenbach