COMMERCIAL PROPERTY · California (CA) Underwriting Matrix · Stephen R. Mannenbach, J.D., MBA

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

California 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 California (CA), lenders underwrite to a Non-Judicial (Deed of Trust — Civil Code §2924) statutory framework (120–135 days-day average timeline), a 0.75% average property tax rate (~$466/mo at the $745,000 state median), and $510/$100K hazard insurance (~$317/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
CA Security Instrument
Non-Judicial (Deed of Trust — Civil Code §2924)
120–135 days days avg timeline
CA Avg Tax & Ins
0.75% Tax
$510/$100K Hazard Ins

California County-Level Property Tax & Insurance Hubs (10)

Los Angeles County, CA
Los Angeles County, CA · 0.78% Tax · $520/$100K Ins
San Diego County, CA
San Diego County, CA · 0.74% Tax · $495/$100K Ins
Orange County, CA
Orange County, CA · 0.71% Tax · $490/$100K Ins
Riverside County, CA
Riverside County, CA · 0.86% Tax · $510/$100K Ins
San Bernardino County, CA
San Bernardino County, CA · 0.82% Tax · $515/$100K Ins
Sacramento County, CA
Sacramento County, CA · 0.81% Tax · $470/$100K Ins
Alameda County, CA
Alameda County, CA · 0.85% Tax · $510/$100K Ins
Santa Clara County, CA
Santa Clara County, CA · 0.77% Tax · $495/$100K Ins
Fresno County, CA
Fresno County, CA · 0.79% Tax · $465/$100K Ins
Kern County, CA
Kern County, CA · 0.84% Tax · $470/$100K Ins

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California Commercial Property (2026) — Up to 75% LTV, 6.875% – 8.99% | Stephen R. Mannenbach | Stephen Mannenbach