Why Arkansas works for AGS Lending Partners' 100% program
Arkansas is a non-judicial foreclosure state, which is why our capital partners price Arkansas at the program's highest leverage tier — 100% loan-to-cost up to 70% of after-repair value. The state's lower entry-price points combined with steady rental demand around Walmart HQ (Bentonville), Tyson (Springdale), and J.B. Hunt (Lowell) drive some of the strongest ROI percentages in our footprint.
Our flagship Velocity program funds 100% of (purchase + rehab) at 12.99% interest-only, 3.5 origination points, $2,500 processing, with no exit fee. For investors with stronger files, our Optimal program runs 9.25%–11.25% on matrix-derived leverage (typically 80–95% LTC) — a smaller down payment in exchange for a meaningfully lower rate.
Both programs operate across all of our Arkansas-approved cities. Run your numbers below.
Run your Arkansas deal now
Calculator opens with Arkansas pre-selected. Add your purchase, rehab, and ARV — see both programs side by side in seconds.
Open Arkansas calculator →Arkansas approved-area cities (Velocity 100%)
Velocity (100% financing) requires the property to be in an approved-area city. Optimal works in any Arkansas city. The Velocity-approved Arkansas cities are:
Property in an Arkansas city not listed? It still qualifies for the Optimal program — same calculator, just slightly less leverage. Springdale, Rogers, Jonesboro, and Conway typically route through Optimal.
Arkansas fix and flip loan FAQ
Are AGS Lending Partners' Arkansas fix and flip loans 100% financed?
Yes. Our Velocity program funds 100% of purchase plus rehab in Arkansas, up to a 70% ARV cap. You'll cover origination points (3.5%), $2,500 processing, and third-party closing costs (title insurance, hazard insurance, recording, etc.) at closing. No separate down payment is required.
Does Arkansas's non-judicial foreclosure status affect my loan terms?
Yes — favorably. Non-judicial states like Arkansas allow our capital partners to apply higher ARLTV caps (75% on Optimal, vs 70% in judicial states like Florida). That translates to higher leverage on the same deal, particularly on Optimal where experience-tier matrix pricing is at play.
How fast can an Arkansas fix and flip loan close?
Typical close timeline is 10–14 business days from full application + documents in hand. Faster is possible with clean title, fast appraisal/BPO, and a pre-bound insurance policy. Submit your deal via the calculator's "Get your real quote" CTA and we'll lock you a closer within 24 hours.
What if my Arkansas property is in Springdale, Rogers, or another non-approved city?
Outside the approved-city list, the deal moves to Optimal — same lender, same speed, slightly less leverage (typically 85–90% LTC instead of 100%). Optimal covers the entire state, so most Northwest Arkansas growth markets like Springdale, Rogers, and Lowell route through Optimal cleanly.
Not in Arkansas? See the main calculator (works for all 12 active states), or read our full fix and flip program guide .