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

Louisiana Fix and Flip Loans (Up to 90% Purchase LTC + 100% Rehab Financing) — 2026 Rates, LTV Caps & State Rules

Louisiana Fix & Flip Loans provide business-purpose real estate investors with Up to 90% Purchase + 100% Rehab (75% ARV Cap) across loan amounts from $100,000 – $15,000,000+ at 9.25% – 11.25% Interest-Only (12 – 18 Months Interest-Only (No Prepayment Penalty), 620 – 660+ FICO min FICO, 7 – 10 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 90% Purchase + 100% Rehab (75% ARV Cap)
Min FICO: 620 – 660+ FICO
2026 Rate Band
9.25% – 11.25% Interest-Only
12 – 18 Months Interest-Only (No Prepayment Penalty)
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 Fix & Flip Loans (2026) — Up to 90% Purchase + 100% Rehab (75% ARV Cap), 9.25% – 11.25% Interest-Only | Stephen R. Mannenbach | Stephen Mannenbach