Arkansas Hard Money · Fix & Flip · BRRRR · Rental & Bridge Loans
Fix and Flip Loans Arkansas
Fund your next Arkansas flip or BRRRR with up to 95% LTC plus 100% of rehab — from Little Rock to the booming Northwest Arkansas corridor of Fayetteville and Bentonville.
- Fix & flip, BRRRR, rental & ground-up construction financing under one roof
- Property types: 1-4 family, 5+ unit multifamily, mixed-use, vacation & commercial
- Up to 95% LTC plus 100% of rehab — reimbursed by draws as work is completed
Direct lender since 1998 · NMLS #1826020 · LLC & foreign nationals OK · Arkansas investment-property specialists
Get Your Free Arkansas Fix & Flip Quote — No Credit Pull Required
Get Your Free Quote! No Credit Pull Required.
Arkansas Fix & Flip Loans — Quick Facts
- Leverage: up to 95% of purchase (LTC) + 100% of rehab, capped ~70-75% ARV
- Rate & points: from 8.90%, 1-3 points
- Term: 6-24 months, interest-only
- Credit: FICO from 620 · no income docs (asset-based)
- Property types: 1-4 family, 5+ multifamily, mixed-use, vacation rentals, commercial
- Borrower: first-time investors, foreign nationals, LLCs · no maximum properties
- Exit: sale or easy 30/40-year DSCR refinance — no income docs, tax returns, or W2s
- Funding speed: close in as few as 5-10 days
- Lender: CambridgeHomeLoan.com · direct lender since 1998 · NMLS #1826020
- Coverage: Arkansas statewide, all 75 counties
Arkansas Fix & Flip Loans — Program at a Glance (2026)
| Purchase leverage | Up to 95% LTC |
| Rehab funding | 100% of rehab costs, reimbursed by draw as work is completed |
| Max ARV | Up to ~70-75% of after-repair value (ARV) |
| Credit | FICO from 620 |
| Property types | 1-4 family, 5+ multifamily, mixed-use, vacation / short-term rentals, and commercial |
| Term | 6-24 months interest-only · extension options |
| Rate & points | Interest-only, starting interest from 8.90% (subject to change, deal-dependent) · 1-3 points |
| Income docs | None — asset-based; business-purpose only |
| Borrower | No maximum number of properties · first-time investors, foreign nationals & LLCs welcome |
| Exit | Sale, or easy refinance into a 30- or 40-year amortized DSCR loan — no additional income docs, tax returns, or W2s required |
| Area | Statewide across all 75 Arkansas counties |
What is a fix and flip loan in Arkansas?
An Arkansas fix and flip loan funds the purchase and renovation of an investment property on the asset, not your income. Northwest Arkansas’s Walmart-and-tech-driven boom and Little Rock’s affordable metro, paired with low bases and strong rents, make Arkansas a strong cash-flow and BRRRR market.
Consider this the top of our Arkansas coverage: statewide terms here, and city-by-city neighborhoods, comps, and examples on the linked Arkansas city pages below.
Eligible Arkansas property types
Our Arkansas fix and flip program funds the full spectrum of business-purpose real estate — not just single-family:
1-4 Family Residential
Single-family, townhomes, condos, and 2-4 unit — the core of most Arkansas flips.
5+ Unit Multifamily
Value-add apartment buildings repositioned for sale or a DSCR refinance.
Mixed-Use
Retail or office over residential and live-work buildings.
Vacation / Short-Term Rentals
Renovate-to-STR in Arkansas tourist markets, then keep or sell.
Commercial
Select commercial and small mixed-asset deals, case-by-case.
Condos & Townhomes
Warrantable and many non-warrantable attached product.
Arkansas fix & flip profit calculator
Estimate your loan, cash to start, holding cost, and net profit. We fund up to 95% of purchase and 100% of rehab, capped at roughly 70-75% of ARV. Illustrative only — final terms use an appraisal and underwriting.
Illustrative only; not a commitment to lend. Rates, points, and leverage are deal-dependent and subject to change. ARV confirmed by appraisal.
Arkansas BRRRR & rental-income analysis calculator
Planning to Buy, Rehab, Rent, Refinance, Repeat? When the rehab is done and the property is rented, refinance with an easy 30- or 40-year amortized DSCR loan — no additional income docs, tax returns, or W2s required (we qualify the property’s rent, not you). A 40-year amortization lowers the payment and boosts cash flow and DSCR.
Illustrative only. DSCR = net operating income ÷ annual debt service. Final terms use an appraisal and underwriting.
BRRRR investing in Arkansas: why it works here
Arkansas BRRRR pencils in Little Rock and Fort Smith with low bases and strong rents. Fund the buy and 100% of rehab, rent it, then refinance into a 30- or 40-year DSCR loan.
The exit is the easy part. Once your Arkansas property is renovated and rented, refinance out of the short-term flip loan into an easy 30- or 40-year amortized DSCR loan — with no additional income docs, no tax returns, and no W2s required. We qualify on the property’s rental income, not your personal income, so a strong-cash-flowing rental refinances cleanly even if you’re self-employed or already carry multiple mortgages.
Where BRRRR pencils best in Arkansas
- Little Rock — affordable metro with strong rent-to-price.
- Fort Smith — very low bases for cash-flow BRRRR.
- Jonesboro — university-anchored demand.
Best Arkansas neighborhoods for investment loans
Every Arkansas metro has pockets where flips and rentals pencil. These are the corridors Arkansas investors target most for value-add and reposition-to-rent (always confirm current comps):
Little Rock
the East End, southwest Little Rock and North Little Rock for value-add.
Fayetteville & Springdale
Northwest-Arkansas growth and student rentals.
Bentonville & Rogers
Walmart-HQ-anchored premium exits.
Fort Smith
Affordable western-Arkansas cash flow.
Jonesboro
University- and delta-market reposition.
Hot Springs
Resort- and tourism-driven demand.
Best Arkansas areas to buy vacation & short-term rentals
Arkansas markets reward renovate-to-short-term-rental plays (verify local STR rules):
- Hot Springs — spa- and lake-tourism STRs.
- the Ozarks & Eureka Springs — mountain-getaway rentals.
- Northwest Arkansas — event- and business-travel demand.
Up-and-coming Arkansas markets to watch in 2026
Beyond the established metros, these Arkansas markets are drawing investor attention for affordability, growth, and room to force value:
SW Little Rock
Value-add frontier at low bases.
Springdale
NWA growth corridor.
Rogers
Walmart-metro appreciation.
Fort Smith
Ultra-affordable cash flow.
Jonesboro
University reposition.
Hot Springs
Resort STR growth.
Arkansas investment market at a glance (2026)
Representative 2026 indicators for underwriting context — confirm current figures per deal:
- NWA boom: Walmart, Tyson and J.B. Hunt anchor one of the country’s fastest-growing regions.
- Low basis: Little Rock and Fort Smith leave room for rehab and a clean DSCR refi.
- Cash flow: strong rent-to-price makes Arkansas a BRRRR standout.
- Tourism STR: Hot Springs and the Ozarks sustain seasonal revenue.
- Coverage: all 75 Arkansas counties.
CambridgeHomeLoan vs. typical Arkansas fix & flip lenders
| Feature | CambridgeHomeLoan | Typical Arkansas flip lenders |
|---|---|---|
| Purchase leverage | Up to 95% LTC | 80-90% |
| Rehab funding | 100% of rehab | Often 90-100%, capped |
| Rates from | 8.90% (STC), 1-3 points | ~10-12%+, 2-4 points |
| Min FICO | From 620 | Often 660-680+ |
| Property types | 1-4, 5+ MF, mixed-use, STR, commercial | Often 1-4 only |
| Exit support | In-house 30/40-yr DSCR refi | Flip-only |
| Funding speed | As fast as 5-10 days | 2-3+ weeks |
“Typical” reflects terms commonly advertised across the fix and flip market as of 2026, subject to change — general ranges, not the terms of any single lender.
Ready to fund your next Arkansas flip or BRRRR?
Up to 95% LTC + 100% of rehab, rates from 8.90%, 6-24 month terms, and an easy 30/40-year DSCR exit with no income docs, tax returns, or W2s. First-time investors and foreign nationals welcome — no maximum number of properties.
Apply Now — Get Your Term Sheet → Call (800) 826-5077Arkansas fix & flip requirements
| Down / equity | As little as 5% of purchase at up to 95% LTC |
| Rehab | 100% financed, reimbursed by inspected draws |
| Credit | FICO from 620 |
| Experience | First-time and experienced investors welcome |
| Income docs | None — asset-based, business-purpose only |
| Borrower | No maximum number of properties · LLC, first-time investors & foreign nationals OK |
| Exit | Sale, or easy 30- or 40-year DSCR refinance — no income docs, tax returns, or W2s |
Related Arkansas investor loans
A fix and flip loan is one tool — pair it with the right acquisition or exit program:
Hard Money Loans Arkansas
Fast asset-based capital for any Arkansas investment purchase.
Bridge Loans Arkansas
Bridge the gap between buying and your sale or refinance.
BRRRR Loans
The full buy-rehab-rent-refinance-repeat program.
DSCR Loans
30- or 40-year rental refinance to complete your BRRRR exit.
Multifamily Loans
5+ unit value-add and reposition financing.
New Construction
Ground-up investor construction across Arkansas.
Fix and flip loans by Arkansas city
Explore city-level programs, neighborhoods, and local deal examples:
Arkansas fix and flip loan FAQ
How much do I need to put down on a Arkansas fix and flip?
As little as 5% of the purchase price. We fund up to 95% of purchase and 100% of rehab, as long as the total stays within roughly 70-75% of the after-repair value (ARV).
Do you really finance 100% of the rehab?
Yes. Rehab is funded in full and reimbursed through inspected draws as the work is completed.
What credit score do I need?
FICO from 620. Stronger credit and flip experience can improve your rate, leverage, and points.
Is Northwest Arkansas a good investment market?
Yes — the Fayetteville-Bentonville-Rogers corridor is one of the fastest-growing regions in the U.S. We fund value-add and BRRRR across NWA and statewide.
Which Arkansas markets do you cover?
Little Rock, Fayetteville, Bentonville, Fort Smith, Jonesboro, Hot Springs and every county statewide.
Can I keep the property as a BRRRR instead of selling?
Yes. When the rehab is done and the property is rented, do an easy refinance into a 30- or 40-year amortized DSCR loan with no additional income docs, tax returns, or W2s required, then repeat. The loan qualifies on the property’s rent, not your personal income.
How fast can you close in Arkansas?
With a clean title and an appraisal ordered, many Arkansas fix and flip loans close in as few as 5-10 days.
Apply for your Arkansas fix and flip loan
Whether it’s your first flip or your fiftieth, get a fast, no-obligation quote. Fill out the 60-second form for a same-day term sheet — up to 95% LTC plus 100% of rehab, rates from 8.90%, 6-24 month terms, and an easy 30/40-year DSCR exit with no income docs. No maximum number of properties, so scale as fast as your deals close.
Get your same-day term sheet
Get Your Free Quote! No Credit Pull Required.
CambridgeHomeLoan.com — direct lender since 1998, NMLS #1826020. LLC & foreign nationals OK. Business-purpose investment loans only. Rates, points, leverage, and terms are deal-dependent and subject to change.
Fix and flip loans are business-purpose, asset-based loans for real estate investment and are not offered for owner-occupied residences. Leverage (up to 95% of purchase and 100% of rehab) is subject to a maximum loan-to-ARV, appraisal, credit (FICO from 620), and underwriting. Calculators are illustrative only and not a commitment to lend.
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