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

Louisiana DSCR Rental Loans (1–4, 5–8, 5–9, 5–10, 5–25 & 5+ Units) — 2026 Rates, LTV Caps & State Rules

Louisiana DSCR Loans provide business-purpose real estate investors with Up to 80% LTV Purchase / 75% Cash-Out across loan amounts from $100,000 – $15,000,000+ at 6.375% – 8.25% (Wholesale Tier Dependent) (30-Yr Fixed, 5/1 & 7/1 ARM, 10-Yr IO, 40-Yr IO, 620 – 660+ FICO min FICO, 14 – 21 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 Purchase / 75% Cash-Out
Min FICO: 620 – 660+ FICO
2026 Rate Band
6.375% – 8.25% (Wholesale Tier Dependent)
30-Yr Fixed, 5/1 & 7/1 ARM, 10-Yr IO, 40-Yr IO
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)

Orleans Parish (New Orleans), LA
Orleans Parish (New Orleans), LA · 1.12% Tax · $1180/$100K Ins

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Louisiana DSCR Loans (2026) — Up to 80% LTV Purchase / 75% Cash-Out, 6.375% – 8.25% (Wholesale Tier Dependent) | Stephen R. Mannenbach | Stephen Mannenbach