MoFin Lending for Louisiana investors
MoFin Lending is a direct DSCR lender licensed in 34 states with a 700 minimum credit score — the highest credit floor among the lenders added to this directory in September 2026. Minimum loan size is $150,000. The company does not publish minimum DSCR, maximum loan size, LTV, or rate figures in the sources reviewed.
Louisiana context
Louisiana low property tax. New Orleans STR heavily regulated. Hurricane and flood insurance major cost.
How MoFin Lending positions in Louisiana
For Louisiana specifically, MoFin Lending fits investors who match the hard money approach. The high cash flow profile of Louisiana aggregate makes it a target market for MoFin Lending.
City-level coverage in Louisiana
MoFin Lending provides DSCR coverage across Louisiana metros including New Orleans, Baton Rouge, and Shreveport. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. MoFin Lending program terms apply uniformly across Louisiana metros; the specific deal characteristics determine final pricing.
Terms and pricing
| Loan type | DSCR non-QM institutional |
|---|---|
| Products | rental DSCR |
| Loan size | $150K - — |
| Rates | Not publicly published |
| Points | Not publicly published |
| Max LTV | Not publicly published |
| Term lengths | Not publicly published |
| Typical close time | Not publicly published |
| Louisiana property tax | 0.6% |
| Louisiana state income tax | 4.25% |
MoFin Lending strengths in Louisiana
- Licensed in 34 states
- Direct lender
- $150,000 minimum loan size
- Highest minimum credit score (700) among the lenders added to this directory in September 2026
Ideal borrower: Investor with a 700+ credit score and a $150,000+ loan size seeking a direct DSCR lender.
FAQ
Yes, operates nationally including Louisiana. MoFin Lending is based in an undisclosed location and operates nationally.
New Orleans is the top investor market in Louisiana and falls within MoFin Lending national coverage. New Orleans property tax follows the Louisiana state rate of 0.6 percent. MoFin Lending typically underwrites New Orleans acquisitions at standard rate sheets.
Yes. Baton Rouge ranks among the larger Louisiana investor metros and sees consistent DSCR loan volume from MoFin Lending. Submarket variation within Baton Rouge matters for property selection.
MoFin Lending applies the same rate sheet across Louisiana metros. Pricing variation comes from property-specific factors rather than metro location within the same state. New Orleans, Baton Rouge, and Shreveport all qualify for the same MoFin Lending program.
MoFin Lending does not publish a rate sheet. Pricing is quoted per deal and depends on credit, leverage, coverage ratio and experience.
Louisiana low property tax. New Orleans STR heavily regulated. Hurricane and flood insurance major cost. MoFin Lending follows standard business-purpose loan structures.
MoFin Lending funds rental DSCR in Louisiana.
Louisiana allows standard DSCR prepay structures; MoFin Lending typically uses 3-5 year step down.
MoFin Lending typical close: Not publicly published.
Bottom line
Louisiana investors considering MoFin Lending should verify current rate sheets directly and confirm specific submarket coverage.
Independent directory listing. DSCR Loan Program is not affiliated with MoFin Lending.