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Private Lending in Louisiana

Residential investment financing across Louisiana’s major metropolitan areas. Bridge, DSCR, fix & flip, new construction, and build-to-rent programs.

Investing in Louisiana

Louisiana's real estate market centers on New Orleans' unique cultural economy and Baton Rouge's petrochemical sector. The state's low property costs ($210,000–$280,000 median) and no state income tax on investment income attract long-term buyers. Hurricane history and flood insurance requirements add operational complexity but create opportunity for patient capital.

Newer construction outside flood zones commands premiums. DSCR lending in Louisiana targets established neighborhoods with lower flood exposure. The state's landlord-friendly environment and strong rental demand support portfolio scaling for experienced operators comfortable with regional dynamics.

Louisiana Markets We Serve

We lend across Louisiana’s major metropolitan areas. If your project is in or near one of these markets, we want to hear about it.

New Orleans Baton Rouge Lafayette Lake Charles Monroe

Available in Louisiana

Every loan program we offer is available to qualified borrowers and properties in Louisiana.

Market Snapshot

Median Home Price
$245,000
Property Tax Rate
0.55%
Population Growth
0.1% annually
Annual Permits
~9,000 annually
Landlord Friendly
Yes
Top Yield Market
Baton Rouge

What Works in Louisiana Right Now

Baton Rouge DSCR Portfolio on Higher Ground

Baton Rouge's petrochemical industry and state capital support stable rental demand. Target properties outside standard flood zones to reduce insurance costs. Acquire 5–8 rentals ($160K–$210K) with DSCR financing. 6–8% yields with lower insurance drag.

New Orleans Tourism-Adjacent Rental Hybrid

Acquire properties suitable for long-term rental or short-term vacation use in Marigny, Bywater, or Central City. Hybrid income models blend DSCR with seasonal upticks. Bridge financing, then convert to long-term DSCR or hold and refinance.

Lafayette Fix & Flip in Non-Flood Corridor

Lafayette's lower cost basis ($120K–$160K) and faster appreciation support fix-and-flip strategies. Target properties outside flood zones. Bridge financing, 5–7 month hold. Resale to owner-occupants or conversion to rental.

Frequently Asked Questions

What's Louisiana's tax treatment of investment income?
Louisiana has no state income tax on dividends, capital gains, or certain business income for qualifying residents. Rental income and ordinary business income are taxed at ordinary rates. Check residency requirements with a Louisiana CPA.
How does flood insurance affect Louisiana investment returns?
Properties in FEMA flood zones require federal flood insurance costing $800–$3,000+ annually depending on risk level. Higher elevation and newer construction outside flood zones reduce insurance materially. Underwrite carefully, considering flood insurance in cash-flow models.
Are there landlord protections and eviction timelines?
Louisiana is landlord-friendly. Non-payment requires 5 days' notice. Eviction proceedings typically conclude within 2–3 weeks. No just-cause requirement. Deposits and entry fees are governed by statute but permissive.
Can landlords raise rents without restriction?
Yes. Louisiana has no rent control. Landlords can set and raise rents freely, enabling strong DSCR underwriting.

Also Lending In

Start Your Louisiana Investment

Our team has deep experience financing residential projects across Louisiana. Reach out to discuss your next deal.

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