Investment property financing built for Louisiana
Louisiana is a deep, industrially driven commercial-property market, and New City Financial helps investors fund deals here the way they actually operate — on the strength of the property, not a stack of personal paperwork. From New Orleans and the Baton Rouge capital region to Lafayette’s Acadiana economy, Lake Charles on the industrial Gulf Coast, and Shreveport-Bossier in the north, we provide business-purpose financing on Louisiana rental, multifamily, and commercial real estate with a fast, predictable process from quote to close.
Because we underwrite the asset’s cash flow rather than your tax returns, our programs fit how the Louisiana market really works: self-employed and portfolio investors, LLC-titled property, and out-of-state buyers chasing the state’s industrial, port, and multifamily demand. Whether you’re acquiring a rental in Orleans or Jefferson Parish, refinancing an apartment building in East Baton Rouge, or pulling cash out of a Lafayette portfolio, you get one lender, one set of terms, and a straight answer quickly.
Loan programs for Louisiana investors
Every New City Financial program is available on qualifying Louisiana investment and commercial property. Not sure which fits your deal? Start the form and we’ll route you to the right one.
Cash-Out Refinance
Tap into your property's equity to access capital for your next investment or business opportunity.
Learn moreDSCR Refinance
Refinance your investment property based on cash flow rather than personal income.
Learn moreMulti-Family & Apartment Loans
Financing solutions for apartment complexes and multifamily residential properties of all sizes.
Learn moreDSCR Loans
Qualify on the property's rental cash flow, not your personal income — purchase investment property with no tax returns.
Learn moreFix and Flip Loans
Fast funding for fix-and-flip projects with competitive rates and flexible terms designed for investors.
Learn moreARV Loans
Loans based on the after-repair value of your property, not just the current value.
Learn moreForeign Investor Loans
Financing solutions for international investors looking to purchase commercial and investment properties.
Learn moreProperty types we finance in Louisiana
We lend on business-purpose investment and commercial real estate across Louisiana — from single-family rentals and small multifamily to larger apartment, retail, office, industrial, and mixed-use assets. Owner-occupied commercial space is eligible; primary residences are not.
Why Louisiana investors choose New City Financial
We finance the property, not your paperwork
Approval is based on the property’s rental income (its DSCR) — no personal tax returns, W-2s, or employment verification. Ideal for investors with strong properties but complex personal finances.
Considered from a 500 FICO
Where most lenders draw the line at a 620–680 score, a cash-flowing, business-purpose property can carry the loan. First-time and portfolio investors are both welcome.
Close in under 3 weeks
Investor-focused underwriting and minimal paperwork mean most files fund fast — the speed that wins competitive deals and lets you scale.
One lender, consistent terms
Up to 75% LTV, loans from $75K to $50MM, on a single set of terms across 40+ states — so you can grow a portfolio without switching lenders deal to deal.
Financing a property in Louisiana? Get your number in minutes.
Checking your rate is a soft inquiry — it won’t affect your credit score, and there’s no obligation.
Louisiana commercial loan FAQs
Does New City Financial lend on investment property in Louisiana?
Yes. We finance business-purpose investment and commercial real estate throughout Louisiana — from New Orleans, Baton Rouge, and Lafayette to Lake Charles and Shreveport-Bossier. Loans run from $75K to $50MM at up to 75% LTV.
Can I get a Louisiana commercial loan without tax returns?
Yes. Our DSCR programs qualify the loan on the property’s rental cash flow rather than your personal income, so no tax returns, W-2s, or employment verification are required. That’s a strong fit for Louisiana’s many self-employed and out-of-state investors.
What credit score do I need for a DSCR loan in Louisiana?
Credit is considered from a 500 FICO. Because approval leans on the property’s cash flow and a loan-to-value of up to 75%, a strong Louisiana asset can carry the loan even when personal credit is imperfect.
How fast can you close a commercial loan in Louisiana?
Most Louisiana files close in under three weeks. Investor-focused underwriting and minimal documentation keep the process fast — an edge in the state’s competitive industrial and multifamily submarkets.
What loan-to-value can I get on Louisiana investment property?
Up to 75% LTV. You’ll typically bring 25% or more as equity; stronger credit and property cash flow generally earn better pricing. Loans range from $75K to $50MM across all eligible property types.
Do you lend across all of Louisiana’s parishes?
Yes. We finance business-purpose property statewide, from the New Orleans and Baton Rouge metros through Acadiana and Southwest Louisiana to the northern parishes around Shreveport — not just the largest cities. Owner-occupied commercial space is eligible; primary residences are not.
Financing your Louisiana deal with New City Financial
New City Financial provides business-purpose financing on Louisiana investment and commercial property — multifamily, industrial, retail, mixed-use, office, and more. Qualify on the property’s cash flow (DSCR), not your personal tax returns, with up to 75% LTV, loans from $75K to $50MM, a 500 FICO minimum, and closings in under three weeks. Owner-occupied commercial space is eligible; primary residences are not. Get a no-obligation quote in minutes, or call (855) 848-2862 to talk it through with a specialist.