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

Louisiana Investor Rehab & BRRRR Renovation Loans (Purchase + Holdback to DSCR) — 2026 Rates, LTV Caps & State Rules

Louisiana Rehab & BRRRR Loans provide business-purpose real estate investors with Up to 85%–90% LTC + 100% Rehab Escrowed across loan amounts from $100,000 – $15,000,000+ at 9.25% – 11.25% (Bridge Phase) -> 6.50%+ (DSCR Takeout) (12-Mo Rehab Bridge + Seamless 30-Yr DSCR Refi, 620+ FICO min FICO, 7 – 12 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 85%–90% LTC + 100% Rehab Escrowed
Min FICO: 620+ FICO
2026 Rate Band
9.25% – 11.25% (Bridge Phase) -> 6.50%+ (DSCR Takeout)
12-Mo Rehab Bridge + Seamless 30-Yr DSCR Refi
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 Rehab & BRRRR Loans (2026) — Up to 85%–90% LTC + 100% Rehab Escrowed, 9.25% – 11.25% (Bridge Phase) -> 6.50%+ (DSCR Takeout) | Stephen R. Mannenbach | Stephen Mannenbach