Hard money lenders in Louisiana fund on the asset, not the borrower’s tax return — fast, short-term, business-purpose capital for acquisitions that conventional lenders can’t move on in time. Louisiana investors use it for auctions, estates, BRRRR starts, and bridge situations across New Orleans, Shreveport, and Baton Rouge.
What Louisiana investors use hard money for
- Distressed / non-warrantable assets a conventional lender will not touch
- Estate and probate acquisitions in New Orleans that need certainty of funds
- Auction and trustee-sale buys — close on the courthouse timeline, not a 45-day bank clock
- BRRRR starts — acquire and rehab, then exit to Louisiana DSCR
Why speed matters here: Louisiana foreclosure is judicial — executory process foreclosure is comparatively fast for a judicial state. Asset-based capital lets you act on that inventory before financed buyers can.
Louisiana hard money terms (2026)
| Term | Louisiana range |
|---|---|
| Leverage | Up to ~90% of purchase + rehab, capped to ARV |
| Rate | Interest-only, ~10%–13% + points |
| Term | 6–18 months |
| Close | As fast as 7–14 days |
| Basis | Asset-based; $195,000 – $310,000 typical ARV |
Louisiana metros we fund
| Metro | Typical basis | Rent band | On-the-ground notes |
|---|---|---|---|
| New Orleans | $240K–$380K | $1,600–$2,200 | shotgun-double rehabs with elevation/flood contingency |
| Shreveport | $140K–$220K | $1,050–$1,450 | lowest basis; cosmetic flips with 120-day targets |
| Baton Rouge | $200K–$300K | $1,350–$1,850 | suburban ranch flips with faster permit cycles |
Louisiana levies state income tax (flat 3% (2025)); structure the hold or flip exit with that in mind.
Diligence before you fund in Louisiana
Louisiana carries specific physical-risk lines you must price before close:
- Hurricane, flood, and elevation requirements — insurance can dominate the pro forma
- Rising premiums and carrier exits statewide
What we need to issue a Louisiana term sheet
- Scope of work and rehab budget
- Purchase contract or auction confirmation
- Comps or a desktop valuation toward ARV
- A credible exit — resale comps or projected rent
- Entity documents (LLC operating agreement, EIN) for vesting
Bring those and a Louisiana file can move to term sheet quickly — the asset and the exit do the talking.
Recent Louisiana deal
New Orleans shotgun double rehab funded with contingency for elevation/flood work. The pattern repeats: speed on acquisition, a clean scope, and a defined exit.
Define the exit before you borrow
Hard money is a bridge, not a destination. In Louisiana that means one of two exits:
- Resale — finish and sell via fix and flip loans Louisiana economics
- Refinance — stabilize and hold with a Louisiana DSCR loan
Louisiana Office of Financial Institutions regulates mortgage brokers; verify flood insurance early.
Louisiana hard money FAQ
How fast can a Louisiana hard money loan close?
With clear title and a workable scope, Louisiana deals can fund in roughly 7–14 days — fast enough for New Orleans auction and estate deadlines.
What leverage do Louisiana hard money lenders offer?
Commonly up to ~90% of purchase plus rehab, capped against ARV (often the $195,000 – $310,000 band in Louisiana). Pricing reflects speed and asset risk, not your credit score alone.
What is the exit on a Louisiana hard money loan?
Either resale via fix and flip, or refinance into a Louisiana DSCR loan on stabilized rent. Define the exit before you fund.
Get Your Louisiana Hard Money Quote · (833) 264-7776
Rates, terms and conditions offered only to qualified borrowers and are subject to change at any time without notice. All loans are subject to full underwriting. Jaken Finance Group only finances non-owner occupied investment properties.