Where we lend · Louisiana (LA)
Investment property financingin Louisiana.
Fix & flip, DSCR rental, bridge and construction loans for investors in New Orleans, Baton Rouge, Shreveport and across Louisiana. Pre-qualify in minutes with no hard credit pull.
The market
Investing in Louisiana,at a glance.
Louisiana offers a unique real estate investment landscape shaped by tourism, energy, and culture. New Orleans is the star market — its iconic architecture, massive tourism economy, and strong short-term rental demand create opportunities unlike anywhere else in the country. Baton Rouge benefits from Louisiana State University and the petrochemical corridor along the Mississippi River. Shreveport provides deeply affordable properties with strong cash flow potential. Lafayette and Lake Charles have energy-sector-driven economies with cyclical but often rewarding investment opportunities. Louisiana's lower property prices and strong rental demand produce attractive yields, though investors must factor in flood insurance and hurricane risk.
Markets we serve
- New Orleans
- Baton Rouge
- Shreveport
- Lafayette
- Lake Charles
Why AIRE Lending in Louisiana
- Short-term rental financing for New Orleans's massive tourism market
- Programs designed for Louisiana's diverse market dynamics
- DSCR lending suited for Baton Rouge and Shreveport rental yields
- Understanding of Louisiana's flood insurance and hurricane risk factors
- Experience with Louisiana's unique Napoleonic Code-influenced title process
Programs available
What we lendin Louisiana.
Loan programs currently available through AIRE Lending in LA.
Fix & flip
- Rates from
- 9.0%
- Leverage
- Up to 90%
- Term
- 12 months
DSCR rental
- Rates from
- 7.0%
- Leverage
- Up to 80%
- Term
- 30 years
Bridge
- Rates from
- 9.5%
- Leverage
- Up to 80%
- Term
- 12 months
Construction
- Rates from
- 11.0%
- Leverage
- Up to 85%
- Term
- 12 months
Rates shown are based on our current lending programs and are subject to change. Actual rates depend on borrower qualifications, property type, and deal structure. This is not a commitment to lend.
Louisiana licensing and compliance
Louisiana does not require a mortgage lender license for business-purpose loans to entities for non-owner-occupied investment properties. AIRE Lending operates in full compliance with Louisiana lending regulations.
Questions, answered
Lending in Louisiana,explained.
Do you finance short-term rentals in New Orleans?
Yes. New Orleans is one of the top short-term rental markets in the country. We offer DSCR loans that accept Airbnb/VRBO income. Note that New Orleans has specific short-term rental permit requirements that vary by neighborhood — our team can help you navigate these regulations.
How does flood insurance affect Louisiana investments?
Many Louisiana properties are in FEMA flood zones and require flood insurance. This is a standard consideration in our underwriting — we factor flood insurance premiums into DSCR calculations and feasibility analysis. Flood insurance costs can significantly impact returns, so we ensure you have accurate numbers upfront.
What makes Baton Rouge a good investment market?
Baton Rouge has strong rental demand from LSU students and staff, state government employees, and the petrochemical industry. Property prices are affordable — well below New Orleans — and cap rates are strong. The city offers a good balance of affordability and demand.
Is Louisiana a landlord-friendly state?
Louisiana is generally landlord-friendly with a relatively quick eviction process and no rent control. However, Louisiana operates under a civil law system (Napoleonic Code) that creates some unique legal considerations for property ownership. Having a good Louisiana real estate attorney is essential.