COMMERCIAL PROPERTY · Colorado (CO) Underwriting Matrix · Stephen R. Mannenbach, J.D., MBA

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

Colorado 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 Colorado (CO), lenders underwrite to a Non-Judicial (Public Trustee System) statutory framework (110–125 days-day average timeline), a 0.51% average property tax rate (~$227/mo at the $535,000 state median), and $580/$100K hazard insurance (~$259/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
CO Security Instrument
Non-Judicial (Public Trustee System)
110–125 days days avg timeline
CO Avg Tax & Ins
0.51% Tax
$580/$100K Hazard Ins

Colorado County-Level Property Tax & Insurance Hubs (2)

Need help?

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