HARD MONEY LOANS · Indiana (IN) Underwriting Matrix · Stephen R. Mannenbach, J.D., MBA

Indiana Hard Money Loans (Fast Asset-Based Acquisition & Bridge) — 2026 Rates, LTV Caps & State Rules

Indiana Hard Money Loans provide business-purpose real estate investors with Up to 85%–90% LTC / 75% ARV across loan amounts from $100,000 – $15,000,000+ at 9.25% – 11.50% Interest-Only (6, 12, 18 & 24 Months Interest-Only, 600 – 640+ FICO (Asset-Backed) min FICO, 5 – 10 Business Days close). In Indiana (IN), lenders underwrite to a Judicial (3-Month Statutory Waiting Period) statutory framework (150–210 days-day average timeline), a 0.81% average property tax rate (~$172/mo at the $255,000 state median), and $510/$100K hazard insurance (~$108/mo).

Max Leverage / LTC
Up to 85%–90% LTC / 75% ARV
Min FICO: 600 – 640+ FICO (Asset-Backed)
2026 Rate Band
9.25% – 11.50% Interest-Only
6, 12, 18 & 24 Months Interest-Only
IN Security Instrument
Judicial (3-Month Statutory Waiting Period)
150–210 days days avg timeline
IN Avg Tax & Ins
0.81% Tax
$510/$100K Hazard Ins

Indiana County-Level Property Tax & Insurance Hubs (3)

Marion County, IN
Marion County, IN · 0.92% Tax · $535/$100K Ins
Hamilton County, IN
Hamilton County, IN · 0.84% Tax · $515/$100K Ins
Lake County, IN
Lake County, IN · 1.15% Tax · $560/$100K Ins

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Indiana Hard Money Loans (2026) — Up to 85%–90% LTC / 75% ARV, 9.25% – 11.50% Interest-Only | Stephen R. Mannenbach | Stephen Mannenbach