BRIDGE LOANS · Louisiana (LA) Underwriting Matrix · Stephen R. Mannenbach, J.D., MBA

Louisiana Real Estate Bridge Loans (1–4 Unit, 5–25+ Unit Multifamily & Commercial) — 2026 Rates, LTV Caps & State Rules

Louisiana Bridge Loans provide business-purpose real estate investors with Up to 80% LTV Acquisition / 75% Bridge Cash-Out across loan amounts from $100,000 – $15,000,000+ at 8.75% – 10.99% Interest-Only (12, 24 & 36 Months (With Extension Options), 640+ FICO min FICO, 10 – 15 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 80% LTV Acquisition / 75% Bridge Cash-Out
Min FICO: 640+ FICO
2026 Rate Band
8.75% – 10.99% Interest-Only
12, 24 & 36 Months (With Extension Options)
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

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

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Louisiana Bridge Loans (2026) — Up to 80% LTV Acquisition / 75% Bridge Cash-Out, 8.75% – 10.99% Interest-Only | Stephen R. Mannenbach | Stephen Mannenbach