loan types
dscr investor loans
Arkansas

DSCR Investor Loans in Arkansas

Self-employed borrowers in Arkansas qualify using 12 to 24 months of bank deposits instead of tax returns. Business owners, contractors, and freelancers whose returns show aggressive deductions use bank statement programs to document the income they actually earn.
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No tax returns. No W‑2s. Qualify on rental income.

Bank Statement Calculator

Gross monthly rent ÷ total monthly payment (PITIA)
The market rent used for qualification. Lenders pull this from an appraisal rent schedule (Form 1007) for purchases or the current lease for refinances. Use the lower of the two if both exist.
Principal, interest, taxes, insurance, and association dues (if applicable). Includes the full housing payment, not just principal and interest. Flood insurance counts if required.
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DSCR
0.00
0.00
1.00
1.50+

Meets theLender’s minimum 1.00 DSCR.

Estimate only. theLender’s minimum debt service coverage ratio is 1.00, calculated as gross rents divided by PITIA. Final qualification depends on full underwriting, credit, and property review.

Bank statement loans provide Arkansas borrowers an alternative qualification method that relies on deposit history rather than traditional income documentation.

Self-employed individuals, real estate investors, and gig workers use these programs to demonstrate cash flow through their banking records.

Mortgage companies evaluate deposits from personal or business accounts to calculate qualifying income, applying specific expense ratios to determine borrowing capacity. Underwriters review consistent deposit patterns to verify income stability without requiring tax returns or W-2 forms. Arkansas borrowers can access these programs for primary residences, second homes, and investment properties across all property types. Non-QM lenders structure these loans with competitive rates and terms comparable to conventional financing.

theLender offers bank statement loans using either 12 or 24 months of personal or business bank statements for income verification.