DSCR Loans in Sebastian County, Arkansas
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 59 lenders made 334 investment-property loans in Sebastian County, 4.1% of Arkansas's total. Dominick Prevete arranges DSCR loans across Sebastian 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 $205,000.
Sebastian County investor market at a glance
| Statistic | Sebastian County | Arkansas | County rank |
|---|---|---|---|
| Investor loans | 334 | 8,223 | 5th of 14 |
| Reporting lenders | 59 | 353 | 7th of 14 |
| Loan volume | $51.0M | $3.96B | 8th of 14 |
| Average loan | $153K | $481K | 11th of 14 |
| Median loan | $115K | $145K | 11th of 14 |
| Purchases | 59.6% | 67.4% | 13th of 14 |
| Cash-out refinances | 7.8% | 5.7% | 2nd of 14 |
| 2–4 unit properties | 23.1% | 17.4% | 1st of 14 |
| Top five lenders' share | 51.5% | 22.2% | 6th of 14 |
| Reported business-purpose | 76.9% | 63.6% | 4th of 14 |
Sebastian County: closed-end loans on 1–4 unit investment properties. Sebastian County's rank is highest first, among Arkansas's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Sebastian County's investor loans.
What stands out in Sebastian County
23.1% of Sebastian County's investor loans financed a 2–4 unit property, the highest share of Arkansas's 14 counties with published data (statewide: 17.4%).
2–4 unit properties are a larger share here than in most of Arkansas. A DSCR loan on a 2–4 unit property qualifies on the rent from all of its units.
59.6% of Sebastian County's investor loans were purchases, the 2nd-lowest share of Arkansas's 14 counties with published data (statewide: 67.4%).
Refinances are a larger share here than in most of Arkansas. A DSCR refinance qualifies on the property's current rent.
7.8% of Sebastian County's investor loans were cash-out refinances, the 2nd-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.
Does a DSCR loan pencil in Sebastian County?
At HUD's fair market rent of $1,324 for a 3-bedroom in Sebastian County, Arkansas, a rental covers its full DSCR payment up to a purchase price of about $205,000, with 20% down at the 7.25% starting rate (November 2026). Sebastian County's median home value is $176,200; at that price the payment is $1,127 a month, so the property would need $1,150 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) | $979 / $1,324 / $1,625 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $176,200 |
| Median property taxes and effective rate | $1,101 (0.62% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,127 |
| Rent needed to cover that payment | $1,150 |
| Coverage of a 3-bedroom at fair market rent | 1.18 |
| Highest price a 3-bedroom at fair market rent covers | about $205,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $305,000 |
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 Sebastian County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Sebastian County?
The most active investment-property lenders in Sebastian County in 2025 HMDA data were Firstar Bank, Armstrong Bank and The First National Bank of Fort Smith, out of 59 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.
Sebastian County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 334 loans and $51.0M from 59 lenders. Firstar Bank led Sebastian County with 49 loans, 14.7% of the county's total, and the average Sebastian County loan of $153K compares with $481K across Arkansas.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Firstar Bank | 49 | $7.7M | $157K | 67.3% |
| Armstrong Bank | 47 | $8.6M | $184K | 63.8% |
| The First National Bank of Fort Smith | 35 | $3.9M | $113K | 62.9% |
| Arvest Bank | 21 | $2.3M | $107K | 52.4% |
| Farmers Bank | 20 | $2.5M | $126K | 35.0% |
| First Community Bank | 20 | $2.2M | $110K | 100.0% |
| Bank OZK | 16 | $1.1M | $71K | 12.5% |
| Generations Bank | 9 | $1.5M | $164K | 66.7% |
| Rocket Mortgage, LLC | 8 | $0.9M | $111K | 37.5% |
| First Western Bank | 7 | $1.4M | $199K | 42.9% |
| First Security Bank | 6 | $1.7M | $277K | 100.0% |
| Chambers Bank | 6 | $1.4M | $240K | 66.7% |
| Citizens' Bank & Trust Co. | 6 | $1.4M | $233K | 66.7% |
| Commerce Home Mortgage, Inc. | 6 | $0.8M | $135K | 83.3% |
| Cadence Bank | 5 | $0.9M | $181K | 20.0% |
| Simmons Bank | 4 | $0.7M | $183K | 100.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 4 | $0.5M | $133K | 100.0% |
| First State Bank | 4 | $0.3M | $88K | 0.0% |
| United Wholesale Mortgage | 3 | $0.7M | $218K | 33.3% |
| AML FUNDING LLC | 3 | $0.6M | $198K | 100.0% |
| SWBC MORTGAGE CORPORATION | 3 | $0.5M | $165K | 66.7% |
| First Financial Bank | 3 | $0.5M | $152K | 66.7% |
| FIRSTTRUST HOME LOANS, INC. | 3 | $0.4M | $125K | 100.0% |
| UNITED FEDERAL CREDIT UNION | 3 | $0.3M | $98K | 33.3% |
| Signature Bank of Arkansas | 2 | $0.6M | $275K | 100.0% |
40 Arkansas loans (0.5%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Sebastian County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Sebastian County CSV, all 25 lenders
What Sebastian County's table can't show you: fit. Short-term financing is exempt from HMDA, so Sebastian County's fix-and-flip and bridge lenders barely appear among its 59 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 Sebastian County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Sebastian County |
|---|---|---|---|
| Crawford County, AR | 114 | 31 | Borders Sebastian County |
| Washington County, AR | 728 | 143 | About 55 miles away |
| Muskogee County, OK | 147 | 37 | About 70 miles away |
| Pope County, AR | 157 | 30 | About 75 miles away |
| McCurtain County, OK | 244 | 84 | About 80 miles away |
Run the coverage test on your Sebastian County, Arkansas deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Sebastian 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 — Sebastian County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 59 lenders and 334 loans: 2025 HMDA loan-level data rolled up to Sebastian County.
- Sebastian County investor-lender dataset (CSV) — All 25 lenders in the Sebastian County, Arkansas table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Sebastian 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 Fort Smith, AR-OK MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Sebastian 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.