Fix and Flip Loan Arkansas
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Last updated: March 31, 2025
Arkansas real estate investors are seizing new opportunities across the state, from revitalizing older homes in Little Rock to bringing new life to rural properties in the Ozarks. The Natural State offers an attractive mix of affordability, high rental yields, and strong buyer demand for updated, move-in-ready homes.
Whether you're a first-time flipper or a seasoned BRRRR investor, OfferMarket's Fix and Flip Loan program gives you access to fast, reliable capital to fund your next deal. With competitive rates, flexible draw structures, and quick closings, we're here to help you scale your real estate investing business in Arkansas and beyond.
Why Invest in Fix and Flip Projects in Arkansas?
Real estate in Arkansas remains a hidden gem for investors recognize the opportunity. Thanks to low property taxes, strong cash flow markets, and growing local economies, it's an ideal place to execute fix and flip or fix and rent strategies.
Key investment highlights:
- Affordable entry points in Little Rock, Fort Smith, Pine Bluff, and Jonesboro
- Strong rental yields and BRRRR potential in college towns like Fayetteville and Conway
- Urban revitalization efforts driving resale demand in downtown districts
- Growing demand for single-family rentals in suburban markets
- High ROI for cosmetic renovations and C-class value-add projects
Arkansas is one of the top states for real estate investors seeking both flips and long-term buy-and-hold opportunities.
What Is a Fix and Flip Loan?
A Fix and Flip loan is short-term financing designed specifically for real estate investors looking to acquire, renovate, and sell or refinance 1–4 unit residential properties. These loans are structured to help you close fast, finance your renovation, and exit profitably through a resale or a long-term DSCR loan refinance.
Core Features:
- Close in as little as 5–10 business days
- Up to 90% of purchase price financed
- Up to 100% of rehab budget funded
- Loan amounts from $25,000 to $2,000,000
- No prepayment penalties
- Interest-only payments for maximum cash flow
- 12–24 month loan terms with optional extensions
Fix and Flip loans are also commonly referred to as hard money loans or bridge loans— but the intent is the same: provide quick capital to reposition real estate and increase value.
Where We Lend in Arkansas
OfferMarket provides fix and flip loans across state of Arkansas, including but not limited to:
- Little Rock – capital city and top metro market for flips and BRRRR
- Fort Smith – high demand for affordable housing and quick rehab opportunities
- Fayetteville / Bentonville – fast-growing area driven by the University of Arkansas and Walmart HQ
- Jonesboro – strong demand from medical and university workforce
- Pine Bluff – urban revitalization potential and C-class inventory
- Hot Springs – flip opportunities in vacation and retirement communities
- Rural counties – low acquisition costs with high yield potential for rentals
Whether you're flipping a craftsman bungalow in a historic district or updating a duplex near a university, we have you covered.
Arkansas Fix and Flip Loan Terms
| Criteria | Loan Terms |
|---|---|
| Loan Amount | $25,000 – $2,000,000 |
| Property Types | 1–4 unit residential, non-owner occupied |
| Credit Score | Minimum 680 (660 on exception) |
| Entity Type | LLC or Corporation required |
| Initial Advance | Up to 90% of purchase price |
| Construction Holdback | Up to 100% of rehab costs |
| Loan Term | 12–24 months |
| Interest Rate | Market-based, instant quote available |
| Interest Accrual | As disbursed (loans ≥ $100K) |
| Prepayment Penalty | None |
Experience-Based Leverage Tiers
Your level of experience determines how much leverage and what rehab scope you can qualify for.
| Tier | Completed Projects | Max Initial Advance | Eligible Rehab Scopes |
|---|---|---|---|
| 1 | 0 | 80% | Light only |
| 2 | 1–2 | 85% | Light, Moderate |
| 3 | 3–4 | 85% | Light, Moderate, Heavy |
| 4 | 5–9 | 90% | All scopes |
| 5 | 10+ | 90% | All scopes |
Project Scope Categories
We classify rehab budgets into the following scopes:
- Light: Cosmetic updates; <25% of purchase price
- Moderate: Kitchens, baths, flooring; 25–49.99%
- Heavy: Systems, layout reconfiguration; 50–99.99%
- Extensive: Additions, new roof, full gut; 100%+
More experienced borrowers can take on heavier scopes and receive higher leverage.
Rural Property Lending in Arkansas
Arkansas is home to some of the best rural rental opportunities in the U.S., and we are ready and willing to fund rural properties that meet our guidelines.
Rural Guidelines:
- Maximum initial advance: reduced by 20%
- Minimum Tier 3 experience required
- Property must be habitable (no tear-downs or shell condition)
- Maximum 5 acres lot size
- Strong exit strategy and verifiable ARV comps required
- In-house valuation is not allowed for rural properties
Check if your subject property is designated rural and be prepared to show neighborhood comps and track record.
Example Fix and Flip Deals in Arkansas
Little Rock, AR
- Purchase Price: $95,000
- Rehab Budget: $30,000
- ARV: $165,000
- Tier: 2
- Initial Advance: $80,750
- Holdback: $30,000
- Total Loan: $110,750
- LTARV: 67.1%
Fayetteville, AR
- Purchase Price: $145,000
- Rehab Budget: $40,000
- ARV: $240,000
- Tier: 3
- Initial Advance: $123,250
- Holdback: $40,000
- Total Loan: $163,250
- LTARV: 68%
Yell County, AR (Rural)
- Purchase Price: $55,000
- Rehab Budget: $30,000
- ARV: $105,000
- Tier: 4
- Initial Advance (adjusted): $35,750
- LTFC: 77%
- LTARV: 62.6%
Draw Processing
After closing, rehab funds are released based on progress through draw requests.
Draw Process Overview:
- App-based self-serve inspections
- Processed in 0–2 business days
- $0 to $300 draw inspection fee*
- $0 wire fee
- Minimum draw: None
- Max draw: Remaining balance
- Up to 50% of material-only items reimbursed (with receipts)
(*) Depends on scenario.
Why Arkansas Investors Choose OfferMarket
✅ Fast closings and transparent underwriting ✅ Nationwide lender with localized support ✅ Investor-friendly terms: No prepay penalties, no junk fees ✅ Tech-enabled: Instant quotes, draw tracking, and uploads ✅ Trusted by thousands of real estate investors ✅ Experience-based leverage that grows with you
Simple Process
- Get your instant quote with terms and rate
- Upload contract, scope, and entity docs
- We order valuation – appraisal or in-house
- Clear conditions and close
- Draw rehab funds as project progresses
Ready to Fund Your Arkansas Flip?
OfferMarket is your trusted capital partner for fix and flip projects across Arkansas. Whether you're flipping a townhome in Little Rock or updating a farmhouse in Independence County, we’re ready to help you succeed.
👉 Apply for your Fix and Flip Loan now!
