Hard Money Lenders Arkansas
DSCR Loans • Fix & Flip • Construction • Multifamily
We offer DSCR loans Arkansas (cash-flow based rental financing), fix & flip loans, construction loans, and multifamily financing across the state.
We also offer a separate asset-based lending program structured around real estate equity, typically up to 50% loan-to-value with 30-year terms, designed for borrowers who prefer minimal documentation.
Arkansas’s Direct Private Lending Authority
HardMoneyMan.com LLC is a direct private lender providing Arkansas real estate investors with fast capital backed by nearly three decades of lending experience. We fund with our own capital, enabling 30-minute preliminary approvals and consistent 7–10 day closings across Little Rock, Fort Smith, and Northwest Arkansas. No rural or remote properties funded.
Ken has been funding real estate deals since 1998, closing more than 25,000 loans in that time. He's also a real estate investor himself in New Jersey and New York, which means he underwrites Arkansas fix & flip, DSCR, and construction deals with the same eye a fellow investor would bring — not just a lender checking boxes.
Whether you're flipping in Little Rock or building spec homes in Northwest Arkansas, that's the difference when you call HardMoneyMan.com — you're talking to someone who's done the deal, not just financed it.
DSCR Loans in Arkansas
DSCR loans qualify Arkansas investors based on the property’s rental income — not personal tax returns or W-2s — making them a fit for landlords and portfolio investors scaling quickly, even with limited income documentation or past credit challenges.
Many Arkansas investors pair DSCR financing for buy-and-hold rentals with fix and flip loans for renovation projects — building a diversified strategy that covers acquisition, rehab, and long-term hold in one relationship. Learn more about our DSCR loan programs.
Investment Loan Programs in Arkansas
From short-term acquisition and renovation financing to long-term rental and commercial financing, our Arkansas programs are structured around the property, transaction, and investment strategy.
Arkansas Fix & Flip Loans
Quick-turnaround financing for investors flipping properties in Little Rock and statewide.
Purchase and renovation financing for single-family or 1–4 unit Arkansas investment properties, closing in as little as 7–14 days.
- Up to 90% of purchase price
- Up to 100% of renovation costs
- Flexible terms based on experience
- Interest-only payments
Arkansas Spec Home Construction Loans
Ground-up financing for builders developing new homes across Arkansas.
Financing for qualifying ground-up residential construction with fast approvals and flexible draw schedules.
- Up to 85% loan-to-cost
- Interest-only during build
- Same-day draws via Snap App
- Lot equity accepted
Arkansas 30-Year DSCR Rental Loans
Long-term rental financing qualifying by cash flow, not income.
30-year financing for buy-and-hold investors acquiring or refinancing 1–4 unit rental properties in Arkansas.
- 660+ mid-credit score
- 1–4 unit properties
- No income documentation
- Closings in 14 days or less
Arkansas 5+ Unit Multifamily Loans
Financing for apartment buildings and multifamily properties statewide.
Financing for investors acquiring or refinancing 5+ unit residential apartment buildings in Arkansas.
- Based on cash flow and property value
- Flexible loan sizes
- Fast approvals
- Stabilized properties
Arkansas Asset-Based Hard Money Loans
30-year financing based on property value and equity.
Financing secured by property assets for Arkansas investors who need flexible, minimal-documentation financing.
- 30-year financing options
- No minimum credit score requirement
- Up to 50% LTV
- Ideal for experienced investors
Arkansas Commercial Hard Money Loans
Financing for commercial real estate investors across Arkansas.
Long-term commercial financing for investors acquiring or refinancing qualifying stabilized commercial properties in Arkansas.
- 30-year financing options
- Asset-focused underwriting
- Purchase and refinance opportunities
- Stabilized properties only
Not Sure Which Arkansas Program Fits Your Deal?
Tell us about the property, purchase price, current value, proposed financing, and investment strategy. We can help determine which financing structure best fits the transaction.
🚀 Submit Your Arkansas DealArkansas Deals We've Funded
Whether you're in a booming metro or a quiet suburb, we're ready to fund your next Arkansas deal.
Fix & Flip
- Purchase$110K
- Rehab$40K
- ARV$215K
- Funded90% Purchase, 100% Rehab
- TimelineClosed in 9 Days
Spec Build
- Down PaymentLot Equity
- Loan TypeGround-Up Construction
- DrawsSame-Day
- Sold For$360K
DSCR Rental
- TransactionRefinance
- Loan Type30-Year Fixed DSCR
- DocumentationNo Income Docs
- PropertyCash-Flowing Duplex
Arkansas Real Estate Market Highlights
Current market conditions for Arkansas real estate investors, from statewide pricing to fix & flip returns.
We lend in every major Arkansas market — and plenty of smaller ones too.
From first submission to funded deal, here's what to expect.
Include purchase price, rehab budget, and ARV — or property cash flow for DSCR deals. Transparent terms delivered within 24 hours of submission. We focus on property value and deal strength — not your credit score alone. Closing timeline depends on your loan program — see each program above for specifics. Same-day rehab draws available via our Snap App.
Who We Serve Across Arkansas
How Our Process Works
Submit Your Deal
Get a Fast Quote
Finalize Underwriting
Close & Fund
Frequently Asked Questions
Do you offer fix and flip loans in Arkansas?
What are asset-based loans?
Can I get spec construction financing in Arkansas?
What is a DSCR loan?
Do you finance 5+ unit apartment buildings?
Are commercial properties eligible?
How fast can I close?
Do you lend to LLCs and entities?
Is Airbnb or short-term rental income considered?
Do you require personal income documentation?
Ready to Fund Your Arkansas Project?
Simple and Fast Application Process
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