FIX & FLIP LOANS · Louisiana (LA) Underwriting Matrix

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

How Fix & Flip Loans Work in Louisiana (LA)

Fix and flip loans finance both the distressed property purchase (up to 85%–90% of purchase price) and 100% of the renovation budget via milestone draw reimbursements, capped at 70%–75% of After-Repair Value (ARV). Interest is charged only on disbursed funds on select wholesale shelves, with zero prepayment penalty upon resale or DSCR refinance.

1. Louisiana Median Benchmark

Median 1–4 unit price of $255,000 (75% LTV = $191,250) with Form 1007 rent of $2,100/mo and multifamily rent of $1,280/door.

2. Escrow & Title Underwriting

Louisiana operates under a Judicial (Executory Process — Confessed Judgment) regime (90–150 days days). Lenders require ALTA lender's title endorsement, LLC Good Standing, and 6 months PITIA liquidity reserves.

3. Fast-Track Closing (7 – 10 Business Days)

Close in your Louisiana LLC or Delaware LLC registered in LA with zero personal tax returns, W-2s, or 4506-C transcripts.

Louisiana County-Level Property Tax & Insurance Hubs (1)

Orleans Parish (New Orleans), LA

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

Explore Other Programs in Louisiana

Louisiana DSCR Loans (Up to 80% LTV Purchase / 75% Cash-Out)Louisiana Hard Money Loans (Up to 85%–90% LTC / 75% ARV)Louisiana Private Money Loans (Up to 80% LTV / 85% LTC)Louisiana Bridge Loans (Up to 80% LTV Acquisition / 75% Bridge Cash-Out)Louisiana Ground-Up Construction (Up to 85% LTC / 70%–75% Completed ARV)Louisiana Multifamily (5+ Units) (Up to 75%–80% LTV Purchase / 70%–75% Cash-Out)Louisiana Commercial Property (Up to 75% LTV)Louisiana Rehab & BRRRR Loans (Up to 85%–90% LTC + 100% Rehab Escrowed)Louisiana Cash-Out Refinance (Up to 75% LTV Cash-Out (Select 80% LTV Tiers))