COMMERCIAL PROPERTY · Arizona (AZ) Underwriting Matrix · Stephen R. Mannenbach, J.D., MBA

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

Arizona 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 Arizona (AZ), lenders underwrite to a Non-Judicial (Deed of Trust — 91-Day Trustee Sale) statutory framework (95–115 days-day average timeline), a 0.56% average property tax rate (~$208/mo at the $445,000 state median), and $440/$100K hazard insurance (~$163/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
AZ Security Instrument
Non-Judicial (Deed of Trust — 91-Day Trustee Sale)
95–115 days days avg timeline
AZ Avg Tax & Ins
0.56% Tax
$440/$100K Hazard Ins

Arizona County-Level Property Tax & Insurance Hubs (5)

Need help?

Chat Now(480) 485-1229
Arizona Commercial Property (2026) — Up to 75% LTV, 6.875% – 8.99% | Stephen R. Mannenbach | Stephen Mannenbach