Louisiana DSCR, Hard Money, Fix & Flip, Construction & Multifamily Loans
Louisiana (LA) Underwriting Snapshot (BLUF): Wholesale business-purpose investment property loans in Louisiana utilize Judicial (Executory Process — Confessed Judgment) security instruments, with an average non-homestead effective property tax rate of 0.56%, a median 1–4 unit investment home price of $255,000 (median rent $2,100/mo), and 5+ unit multifamily market rents averaging $1,280/door. Arranged by Loan Daddy LLC (NMLS #2827624).
SECURITY INSTRUMENT
Judicial (Executory Process — Confessed Judgment)EFFECTIVE PROPERTY TAX
0.56% Avg ($119/mo)MEDIAN 1–4 UNIT PRICE & RENT
$255,000 · $2,100/mo5+ UNIT MULTIFAMILY RENT
$1,280/door/moLouisiana Pre-Populated Underwriting Terminal
1–4 Unit PITIA vs. 5–25+ Unit Commercial NOI Simulator
Loan Daddy LLC · NMLS #2827624 · AZ CMB #CMB-2016143 · Canonical Integer _cents & _bps Engine
Price/Door: $255,000·Loan/Door: $191,250·Avg Rent/Door: $2,100/mo
Prepayment Stepdown Structure
Amortization & FICO Tier
Calculated DSCR Coverage Ratio
1.47xCanonical:
147 bps · 7500 bps LTV · 6625 bps RateTier-1 Institutional (1.25x+ — Max LTV & Best Pricing)
Loan Amount (75% LTV)$191,25019,125,000 _cents
Monthly P&I Debt Service$1,225/mo@ 6.625% Note Rate
Total Monthly PITIA$1,433/moTax: $119 · Ins: $89
Net Monthly Cash Flow+$667/mo$8,006/yr net
Wholesale PPE Multi-Option Execution Comparison (Borrower-Paid 2.000% Default · 39 Wholesale Lenders)
| Execution Option | Prepay Structure | Est. Note Rate | Prepay Price Credit | Monthly Debt Service | DSCR Ratio |
|---|---|---|---|---|---|
| Option A: Lowest Rate (60-Mo Stepdown) | 5-4-3-2-1 | 6.625% | -100 bps (-1.000 pt) | $1,433/mo | 1.47x |
| Option B: Balanced Par (36-Mo Stepdown) | 3-2-1 | 6.875% | -75 bps (-0.750 pt) | $1,465/mo | 1.43x |
| Option C: Max Cash Flow (10-Yr Interest-Only) | 3-2-1 IO | 7.000% | +38 bps IO LLPA | $1,324/mo | 1.59x |
Many DSCR lenders focus on the property's rent, not your tax returns. Not all applicants will qualify; terms vary by lender. Loans made or arranged pursuant to a California Financing Law license, #60DBO-218873.
Louisiana Cities with Population ≥ 50,000 (9 Markets)
Click any Louisiana city below to open its localized DSCR & Commercial Multifamily underwriting desk with county property tax rates, median rent benchmarks, and a pre-populated city deal calculator:
| City (LA) | County | 2026 Est. Pop | Effective Tax Rate | Median 1–4 Unit Price | Median Monthly Rent | 5+ Unit Rent/Door |
|---|---|---|---|---|---|---|
| New Orleans, LA → | ORLEANS County County | 412,799 | 0.56% | $290,000 | $2,400/mo | $1,450/door |
| Baton Rouge, LA → | EAST BATON ROUGE County County | 250,074 | 0.56% | $290,000 | $2,400/mo | $1,450/door |
| Shreveport, LA → | CADDO County County | 218,356 | 0.56% | $290,000 | $2,400/mo | $1,450/door |
| Lafayette, LA → | LAFAYETTE County County | 135,461 | 0.58% | $250,000 | $2,050/mo | $1,250/door |
| Lake Charles, LA → | CALCASIEU County County | 80,686 | 0.57% | $260,000 | $2,150/mo | $1,300/door |
| Kenner, LA → | JEFFERSON County County | 73,003 | 0.54% | $225,000 | $1,850/mo | $1,150/door |
| Bossier City, LA → | BOSSIER County County | 72,303 | 0.58% | $250,000 | $2,050/mo | $1,250/door |
| Monroe, LA → | OUACHITA County County | 54,239 | 0.58% | $265,000 | $2,150/mo | $1,325/door |
| Alexandria, LA → | RAPIDES County County | 52,784 | 0.6% | $255,000 | $2,100/mo | $1,275/door |