DSCR Loans in Garland County, Arkansas
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 87 lenders made 295 investment-property loans in Garland County, 3.6% of Arkansas's total. Dominick Prevete arranges DSCR loans across Garland County, Arkansas, qualified on the property's rent, not your tax returns. DSCR rental loans start from 7.25% (November 2026), and most close in 14 days. At HUD's fair market rent, a three-bedroom rental there covers its full payment up to a price of about $225,000.
Garland County investor market at a glance
| Statistic | Garland County | Arkansas | County rank |
|---|---|---|---|
| Investor loans | 295 | 8,223 | 7th of 14 |
| Reporting lenders | 87 | 353 | 4th of 14 |
| Loan volume | $79.4M | $3.96B | 5th of 14 |
| Average loan | $269K | $481K | 3rd of 14 |
| Median loan | $175K | $145K | 3rd of 14 |
| Purchases | 65.8% | 67.4% | 9th of 14 |
| Cash-out refinances | 10.8% | 5.7% | 1st of 14 |
| 2–4 unit properties | 16.6% | 17.4% | 8th of 14 |
| Top five lenders' share | 35.3% | 22.2% | 11th of 14 |
| Reported business-purpose | 62.4% | 63.6% | 7th of 14 |
Garland County: closed-end loans on 1–4 unit investment properties. Garland County's rank is highest first, among Arkansas's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Garland County's investor loans.
What stands out in Garland County
10.8% of Garland County's investor loans were cash-out refinances, the highest share of Arkansas's 14 counties with published data (statewide: 5.7%).
On the DSCR cash-out refinances Dominick arranges, cash-out can close with no seasoning.
The median investor loan in Garland County was $175K, the 3rd-highest median of Arkansas's 14 counties with published data (statewide: $145K).
Loans here run large. Dominick arranges DSCR loans from $75,000 up through jumbo balances.
Does a DSCR loan pencil in Garland County?
At HUD's fair market rent of $1,424 for a 3-bedroom in Garland County, Arkansas, a rental covers its full DSCR payment up to a purchase price of about $225,000, with 20% down at the 7.25% starting rate (November 2026). Garland County's median home value is $194,300; at that price the payment is $1,219 a month, so the property would need $1,225 in rent to cover it.
At that price, the rent covers the full payment, which is the test a standard DSCR loan qualifies on.
| HUD fair market rent, 2 / 3 / 4 bedroom (FY2027) | $1,110 / $1,424 / $1,599 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $194,300 |
| Median property taxes and effective rate | $933 (0.48% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,219 |
| Rent needed to cover that payment | $1,225 |
| Coverage of a 3-bedroom at fair market rent | 1.17 |
| Highest price a 3-bedroom at fair market rent covers | about $225,000 |
Fair market rent is HUD's 40th-percentile gross rent, including utilities; a property's appraised market rent can be higher or lower. Payment uses 20% down, a 30-year amortization at the published DSCR starting rate, the county's median effective property-tax rate and insurance at 0.50% of value. Purchase leverage goes up to 85% on qualifying files. This is an illustration, not a term sheet or an offer of credit.
Price your actual deal →Run Garland County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Garland County?
The most active investment-property lenders in Garland County in 2025 HMDA data were Southern Bancorp Bank, Arvest Bank and Diamond Bank, out of 87 lenders that reported. HMDA doesn't flag which loans were DSCR loans, so this list mixes DSCR and conventional investment-property lenders. Dominick Prevete places DSCR loans across 100+ lenders and matches each file to the one most likely to fund it.
Garland County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 295 loans and $79.4M from 87 lenders. Southern Bancorp Bank led Garland County with 42 loans, 14.2% of the county's total, and the average Garland County loan of $269K compares with $481K across Arkansas.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Southern Bancorp Bank | 42 | $9.0M | $215K | 71.4% |
| Arvest Bank | 24 | $6.0M | $251K | 62.5% |
| Diamond Bank | 16 | $4.8M | $299K | 75.0% |
| First Security Bank | 12 | $3.1M | $260K | 83.3% |
| First State Bank | 10 | $5.6M | $556K | 100.0% |
| The Citizens Bank | 10 | $1.7M | $166K | 60.0% |
| Bank OZK | 9 | $3.5M | $392K | 66.7% |
| SWBC MORTGAGE CORPORATION | 8 | $1.4M | $174K | 100.0% |
| Relyance Bank | 8 | $0.8M | $96K | 62.5% |
| Chambers Bank | 7 | $1.9M | $274K | 42.9% |
| Armor Bank | 7 | $1.8M | $251K | 42.9% |
| Rocket Mortgage, LLC | 7 | $1.0M | $149K | 28.6% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 6 | $1.4M | $235K | 66.7% |
| NEWREZ LLC | 6 | $1.3M | $218K | 100.0% |
| First Service Bank | 5 | $3.3M | $663K | 80.0% |
| NFM, INC. | 5 | $1.9M | $377K | 0.0% |
| United Wholesale Mortgage | 5 | $1.6M | $319K | 60.0% |
| ARKANSAS Federal Credit Union | 5 | $0.9M | $175K | 80.0% |
| Stone Bank | 4 | $0.8M | $193K | 75.0% |
| Southern Bank | 4 | $0.2M | $55K | 75.0% |
| Gateway Bank | 3 | $2.6M | $868K | 33.3% |
| Simmons Bank | 3 | $1.0M | $338K | 33.3% |
| Hometown Equity Mortgage, LLC | 3 | $0.7M | $238K | 0.0% |
| Commerce Home Mortgage, Inc. | 3 | $0.6M | $215K | 66.7% |
| CROSSCOUNTRY MORTGAGE, INC. | 3 | $0.5M | $178K | 66.7% |
40 Arkansas loans (0.5%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Garland County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Garland County CSV, all 25 lenders
What Garland County's table can't show you: fit. Short-term financing is exempt from HMDA, so Garland County's fix-and-flip and bridge lenders barely appear among its 87 filers, and none of the 25 names above tells you whose guidelines match your deal, your entity, or your timeline. That's the job. Dominick Prevete structures your file and places it across 100+ lenders so it lands with the one most likely to fund it.
Price your loan →Dominick Prevete places loans with some of the lenders listed here through wholesale relationships, and is paid when a loan he arranges closes. Appearing in this table is not an endorsement or a recommendation.
Counties near Garland County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Garland County |
|---|---|---|---|
| Saline County, AR | 284 | 74 | Borders Garland County |
| Pulaski County, AR | 1,366 | 153 | About 50 miles away |
| Faulkner County, AR | 330 | 68 | About 60 miles away |
| Pope County, AR | 157 | 30 | About 60 miles away |
Run the coverage test on your Garland County, Arkansas deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Garland County, Arkansas property's rent, loan, taxes and insurance to see where it lands.
Principal and interest on a thirty-year amortization, plus taxes, insurance and HOA.
Enter the rent, loan amount, rate, taxes and insurance to see the coverage ratio.
Sources
- CFPB / FFIEC HMDA Data Browser — Garland County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 87 lenders and 295 loans: 2025 HMDA loan-level data rolled up to Garland County.
- Garland County investor-lender dataset (CSV) — All 25 lenders in the Garland County, Arkansas table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Garland County's 2-, 3- and 4-bedroom fair market rents in the rent math, and the 3-bedroom rent its highest-price figure uses: HUD's FY2027 figures for the Hot Springs, AR MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Garland County's median home value (B25077) and median property taxes paid (B25103) in the rent math, from the Census 2020–2024 ACS 5-year summary files.
- DSCR loan rates, Dominick Prevete — DSCR rental loans start from 7.25%, as of November 2026: the Instant Term Sheet's best-case scenario on the current rate sheets.