COMMERCIAL PROPERTY · Louisiana (LA) Underwriting Matrix

Louisiana Commercial Property Loans (Mixed-Use, Retail, Industrial, Warehouse & Office) — 2026 Rates, LTV Caps & State Rules

Louisiana Commercial Property provide business-purpose real estate investors with Up to 75% LTV across loan amounts from $100,000 – $15,000,000+ at 6.875% – 8.99% (25–30 Yr Amortization, 5/7/10 Yr Fixed or 30-Yr Non-QM CRE, 660+ FICO min FICO, 21 – 30 Business Days close). In Louisiana (LA), lenders underwrite to a Judicial (Executory Process — Confessed Judgment) statutory framework (90–150 days-day average timeline), a 0.56% average property tax rate (~$119/mo at the $255,000 state median), and $890/$100K hazard insurance (~$189/mo).

Max Leverage / LTC
Up to 75% LTV
Min FICO: 660+ FICO
2026 Rate Band
6.875% – 8.99%
25–30 Yr Amortization, 5/7/10 Yr Fixed or 30-Yr Non-QM CRE
LA Security Instrument
Judicial (Executory Process — Confessed Judgment)
90–150 days days avg timeline
LA Avg Tax & Ins
0.56% Tax
$890/$100K Hazard Ins

How Commercial Property Work in Louisiana (LA)

Commercial property loans provide non-bank DSCR and bridge financing for mixed-use buildings, small-bay industrial warehouses, neighborhood retail strips, medical/professional office, and self-storage facilities from $250,000 to $15,000,000+ without restrictive commercial bank depository requirements.

1. Louisiana Median Benchmark

Median 1–4 unit price of $255,000 (75% LTV = $191,250) with Form 1007 rent of $2,100/mo and multifamily rent of $1,280/door.

2. Escrow & Title Underwriting

Louisiana operates under a Judicial (Executory Process — Confessed Judgment) regime (90–150 days days). Lenders require ALTA lender's title endorsement, LLC Good Standing, and 6 months PITIA liquidity reserves.

3. Fast-Track Closing (21 – 30 Business Days)

Close in your Louisiana LLC or Delaware LLC registered in LA with zero personal tax returns, W-2s, or 4506-C transcripts.

Louisiana County-Level Property Tax & Insurance Hubs (1)

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