Financing a Little Rock Rental Without a North LR Year

Jacob Mishalanie
2 days ago
6 min read

Empty Little Rock bungalow street, no people

DSCR on Little Rock $15,505. Do not mint a North Little Rock year for the note. AirROI's current Little Rock extract, August 2025 through July 2026, pins typical listings at about $15,505 a year on 453 active rentals. The average night was $149. Occupancy was 40.1 percent. Revenue per available night was $59. Year over year is minus 6.2 percent. Supply held steady. Call Little Rock Treasury at 501-371-4568. Planning and Development sits at 723 West Markham Street; Planning Manager 501-371-4789. Short-term rentals are properties rented for 29 days or less. The Board of Directors adopted the ordinance June 20, 2023 after ten deferrals. The city caps STR permits at 500. Owner-occupied STR-1 uses a special-use permit. Non-owner-occupied STR-2 uses planned-development zoning. The Treasury form for owners of three or fewer units lists a $35 annual fee. Confirm remaining inspection fees at Planning. A March 2026 Planning staff report listed 141 STR-1 and STR-2 in the city database. That count is not AirROI's 453 listings. Confirm remaining cap slots before you advertise. Arkansas state sales tax is 6.5 percent. State tourism tax is 2 percent. Little Rock A&P lodging tax is 4 percent; call 501-370-3204. Confirm remaining Pulaski and city sales tax at DFA. Confirm 2026. AirROI's low-regulation label and 0 licensed listings are a scrape, not the permit file.

DSCR on $15,505

DSCR on $15,505. Do not mint a North Little Rock year for the note. Little Rock Getaways is already live on Crest and Cove. Use it for the related stay, not as a blended year.

Do Not Mint a North Little Rock Year

North Little Rock listings earned about $13,266 last year from 105 active rentals on the current AirROI extract. Keep that stay on its own line. North Little Rock is another hall. Do not paste that year onto a Little Rock deed. Market a Little Rock Stay is already live on Crest and Cove. Use it for the related stay, not as a blended year.

Two Halls Sit With Two Deeds

Two halls sit with two deeds. Call Little Rock Treasury at 501-371-4568. Planning and Development sits at 723 West Markham Street; Planning Manager 501-371-4789. Short-term rentals are properties rented for 29 days or less. The Board of Directors adopted the ordinance June 20, 2023 after ten deferrals. The city caps STR permits at 500. Owner-occupied STR-1 uses a special-use permit. Non-owner-occupied STR-2 uses planned-development zoning. The Treasury form for owners of three or fewer units lists a $35 annual fee. Confirm remaining inspection fees at Planning. A March 2026 Planning staff report listed 141 STR-1 and STR-2 in the city database. That count is not AirROI's 453 listings. Confirm remaining cap slots before you advertise. Arkansas state sales tax is 6.5 percent. State tourism tax is 2 percent. Little Rock A&P lodging tax is 4 percent; call 501-370-3204. Confirm remaining Pulaski and city sales tax at DFA. Confirm 2026. AirROI's low-regulation label and 0 licensed listings are a scrape, not the permit file. Little Rock STR Rules is already live on Crest and Cove. Use it for the related stay, not as a blended year.

Year Over Year Is Minus 6.2 Percent

Year over year is minus 6.2 percent. Little Rock Shoulder is already live on Crest and Cove. Use it for the related stay, not as a blended year.

Visitor Spend Is Not Debt Service

Visitor spend is not debt service. Little Rock Remote Stays is already live on Crest and Cove. Use it for the related stay, not as a blended year.

122 Thirty-Night Settings Are Not Filled July

122 listings on a 30-night minimum are not filled July. DIY vs Hire in Little Rock is already live on Crest and Cove. Use it for the related stay, not as a blended year.

Stay Is 7.4 Nights on This Sample

Stay is 7.4 nights on this sample. Lead is 28 days. Who Books Little Rock is already live on Crest and Cove. Use it for the related stay, not as a blended year.

What a Lender Packet Should Carry

What a lender packet should carry is $15,505, the 500 cap, and satellite years on their own lines. Buying a Little Rock Rental is already live on Crest and Cove. Use it for the related stay, not as a blended year.

Hosts who underwrite Arkansas capital stays should keep $15,505 on 453 city listings, confirm remaining 500-cap slots at Planning, and leave North Little Rock and Conway on their own lines. We market. We do not take the lock.

Frequently Asked Questions

How much did typical Little Rock listings earn last year?

AirROI's current extract, August 2025 through July 2026, pins typical Little Rock listings at about $15,505 a year on 453 active rentals. Average night was $149, occupancy was 40.1 percent, and revenue per available night was $59. Year over year was down 6.2 percent, with supply holding roughly steady — keep this apart from North Little Rock's $13,266.

When is Little Rock's strongest month?

October is the busiest revenue month, with March and December as the other strong months. July is the slowest, and occupancy is weakest that month too. Price the slow month like the slow month it is, rather than smoothing it against a neighboring city's calendar.

Do I need a Little Rock STR permit in 2026?

Call the Little Rock Treasury at 501-371-4568, or Planning and Development at 723 West Markham Street (Planning Manager, 501-371-4789). The city defines short-term rentals as properties rented for 29 days or less, under an ordinance the Board of Directors adopted June 20, 2023 after ten deferrals. The city caps STR permits at 500 total: owner-occupied listings use an STR-1 special-use permit, non-owner-occupied use STR-2 planned-development zoning, and the Treasury's form for owners of three or fewer units lists a $35 annual fee — confirm remaining inspection fees directly with Planning.

Is a 30-night minimum the same as occupancy?

No. About 122 listings, 26.9 percent of the 453 active rentals, use a 30-night minimum stay filter. That's a platform setting, not occupancy — typical stay here is still 7.4 nights with about 28 days of lead time, and July still runs slow regardless.

Should I hire a manager in Little Rock and on the satellites?

Professionally managed share is just 7.3 percent; one manager, Christopher, holds about 9 listings. North Little Rock and Conway each warrant their own city-specific copy — independent hosts still handle most of the Little Rock desk, so a satellite-scale management pitch doesn't fit this market.

Who books a Little Rock stay?

Most guests arrive from within Little Rock itself, followed by Austin. Typical stay is 7.4 nights with about 28 days of lead time. Downtown, SoMa, and Hillcrest are different occasions from a North Little Rock or Conway trip — write photos and copy for the guest who typed this specific city.

Can I file North Little Rock as the Little Rock year?

No. Little Rock's average night was $149 across 453 listings, while North Little Rock earned about $13,266 across 105 listings — a separate market with its own profile. Keep the $15,505 Little Rock figure on its own line.

Does the 500-permit cap still apply?

Yes, as of this pass. Confirm remaining slots directly with Planning; a March 2026 staff report listed 141 active STR-1 and STR-2 permits in the city database, a smaller count than AirROI's 453 listed rentals, since not every listing is necessarily permitted yet. Confirm current cap status before you advertise.

What should a buyer packet carry?

Cite $15,505 across 453 city listings, note year over year down 6.2 percent against roughly steady supply, and include the Treasury number, 501-371-4568. Keep North Little Rock's figures on their own line rather than averaging them in.

Where do I confirm the city desk?

Call the Little Rock Treasury at 501-371-4568, or Planning and Development at 723 West Markham Street (Planning Manager, 501-371-4789). Short-term rentals are properties rented for 29 days or less under a 2023 ordinance with a citywide 500-permit cap, split between owner-occupied STR-1 and non-owner-occupied STR-2 categories — confirm inspection fees and remaining cap slots directly.

Work with Crest & Cove Creative

Little Rock listings keep getting priced against North Little Rock's lower-revenue numbers, and that blended figure undersells a downtown stay that's actually earning more per night.

Crest & Cove markets Little Rock listings on their own city data — downtown, SoMa, and Hillcrest — keeping North Little Rock and Conway comparisons out of the pricing conversation.

Reach out at crestcove.co or (256) 998-7502.