MULTIFAMILY (5+ UNITS) · Arkansas (AR) Underwriting Matrix · Stephen R. Mannenbach, J.D., MBA

Arkansas Multifamily Loans (5–8, 5–9, 5–10, 5–25 & 5+ Unit Apartment Financing) — 2026 Rates, LTV Caps & State Rules

Arkansas Multifamily (5+ Units) provide business-purpose real estate investors with Up to 75%–80% LTV Purchase / 70%–75% Cash-Out across loan amounts from $100,000 – $15,000,000+ at 6.50% – 8.50% (Perm) / 8.99%+ (Value-Add Bridge) (30-Yr Fixed, 5/1 & 7/1 ARM, 10-Yr IO, 24-Mo Bridge, 660+ FICO min FICO, 21 – 30 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 75%–80% LTV Purchase / 70%–75% Cash-Out

Min FICO: 660+ FICO

2026 Rate Band

6.50% – 8.50% (Perm) / 8.99%+ (Value-Add Bridge)

30-Yr Fixed, 5/1 & 7/1 ARM, 10-Yr IO, 24-Mo Bridge

AR Security Instrument

Non-Judicial (Statutory Foreclosure)

60–85 days days avg timeline

AR Avg Tax & Ins

0.62% Tax

$680/$100K Hazard Ins