BRIDGE LOANS · North Dakota (ND) Underwriting Matrix · Stephen R. Mannenbach, J.D., MBA

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

North Dakota 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 North Dakota (ND), lenders underwrite to a Judicial (District Court Action) statutory framework (130–180 days-day average timeline), a 0.98% average property tax rate (~$216/mo at the $265,000 state median), and $590/$100K hazard insurance (~$130/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)
ND Security Instrument
Judicial (District Court Action)
130–180 days days avg timeline
ND Avg Tax & Ins
0.98% Tax
$590/$100K Hazard Ins

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