Easy Street Capital for Arkansas investors
Easy Street Capital has one of the more flexible non-QM platforms in the market, with particular strength in short-term rental DSCR underwriting (counting projected nightly revenue rather than long-term lease income). Excludes North Dakota, South Dakota, Minnesota, Nevada, and New York; offers same-day term sheets.
Arkansas context
Arkansas low cost-of-entry metros. Walmart-anchored Northwest Arkansas growing fast. Strong DSCR economics.
How Easy Street Capital positions in Arkansas
Arkansas is well covered by national DSCR lenders, with Easy Street Capital as one option. Where Easy Street Capital differentiates: STR-DSCR program with projected income underwriting. Where it competes: rates 5.75 to 11.5 percent against peer programs.
City-level coverage in Arkansas
Easy Street Capital provides DSCR coverage across Arkansas metros including Little Rock, Fayetteville, and Fort Smith. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Easy Street Capital program terms apply uniformly across Arkansas metros; the specific deal characteristics determine final pricing.
Terms and pricing
| Loan type | DSCR non-QM institutional |
|---|---|
| Products | fix-and-flip, BRRRR, rental, bridge, STR-friendly DSCR |
| Loan size | $75K - $2.0M |
| Rates | 5.75%-11.5% |
| Points | 1 - 3 |
| Max LTV | 80% of ARV |
| Term lengths | 12-18 months (hard money) / 30-year (rental) |
| Typical close time | 7-14 days typical |
| Arkansas property tax | 0.6% |
| Arkansas state income tax | 4.4% |
Easy Street Capital strengths in Arkansas
- STR-DSCR program with projected income underwriting
- fast tech-driven origination
- experienced borrower programs
Ideal borrower: Investor with STR or BRRRR focus needing flexible underwriting
FAQ
Yes, operates nationally including Arkansas. Easy Street Capital is based in Austin, TX and operates nationally.
Little Rock is the top investor market in Arkansas and falls within Easy Street Capital national coverage. Little Rock property tax follows the Arkansas state rate of 0.6 percent. Easy Street Capital typically underwrites Little Rock acquisitions at standard rate sheets.
Yes. Fayetteville ranks among the larger Arkansas investor metros and sees consistent DSCR loan volume from Easy Street Capital. Submarket variation within Fayetteville matters for property selection.
Easy Street Capital applies the same rate sheet across Arkansas metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Little Rock, Fayetteville, and Fort Smith all qualify for the same Easy Street Capital program.
Easy Street Capital indicative DSCR rate range is 5.75 to 11.5 percent with 1 to 3 points.
Arkansas low cost-of-entry metros. Walmart-anchored Northwest Arkansas growing fast. Strong DSCR economics. Easy Street Capital follows standard business-purpose loan structures.
Easy Street Capital funds fix-and-flip, BRRRR, rental, bridge, STR-friendly DSCR in Arkansas.
Arkansas allows standard DSCR prepay structures; Easy Street Capital typically uses 3-5 year step down.
Easy Street Capital typical close: 7-14 days typical.
Bottom line
For Arkansas DSCR borrowers, Easy Street Capital is one option among many. Compare against 2-3 lender programs before committing.
Independent directory listing. DSCR Loan Program is not affiliated with Easy Street Capital.