PRIVATE MONEY LOANS · Delaware (DE) Underwriting Matrix

Delaware Private Money Loans (Flexible Balance-Sheet & Debt-Fund Capital) — 2026 Rates, LTV Caps & State Rules

Delaware Private Money Loans provide business-purpose real estate investors with Up to 80% LTV / 85% LTC across loan amounts from $100,000 – $15,000,000+ at 8.99% – 11.25% Interest-Only (6 to 36 Months Interest-Only, Flexible Credit / Equity-Driven min FICO, 7 – 12 Business Days close). In Delaware (DE), lenders underwrite to a Judicial (Scire Facias Sur Mortgage) statutory framework (170–230 days-day average timeline), a 0.57% average property tax rate (~$173/mo at the $365,000 state median), and $460/$100K hazard insurance (~$140/mo).

Max Leverage / LTC

Up to 80% LTV / 85% LTC

Min FICO: Flexible Credit / Equity-Driven

2026 Rate Band

8.99% – 11.25% Interest-Only

6 to 36 Months Interest-Only

DE Security Instrument

Judicial (Scire Facias Sur Mortgage)

170–230 days days avg timeline

DE Avg Tax & Ins

0.57% Tax

$460/$100K Hazard Ins

How Private Money Loans Work in Delaware (DE)

Private money loans connect real estate investors with non-bank private debt funds, family-office capital, and balance-sheet lenders for time-sensitive acquisitions, partner buyouts, cross-collateralized equity unlocks, and non-conforming investment properties across 1–4 unit and 5+ unit commercial assets.

1. Delaware Median Benchmark

Median 1–4 unit price of $365,000 (75% LTV = $273,750) with Form 1007 rent of $2,650/mo and multifamily rent of $1,540/door.

2. Escrow & Title Underwriting

Delaware operates under a Judicial (Scire Facias Sur Mortgage) regime (170–230 days days). Lenders require ALTA lender's title endorsement, LLC Good Standing, and 6 months PITIA liquidity reserves.

3. Fast-Track Closing (7 – 12 Business Days)

Close in your Delaware LLC or Delaware LLC registered in DE with zero personal tax returns, W-2s, or 4506-C transcripts.

Explore Other Programs in Delaware

Delaware DSCR Loans (Up to 80% LTV Purchase / 75% Cash-Out)Delaware Hard Money Loans (Up to 85%–90% LTC / 75% ARV)Delaware Fix & Flip Loans (Up to 90% Purchase + 100% Rehab (75% ARV Cap))Delaware Bridge Loans (Up to 80% LTV Acquisition / 75% Bridge Cash-Out)Delaware Ground-Up Construction (Up to 85% LTC / 70%–75% Completed ARV)Delaware Multifamily (5+ Units) (Up to 75%–80% LTV Purchase / 70%–75% Cash-Out)Delaware Commercial Property (Up to 75% LTV)Delaware Rehab & BRRRR Loans (Up to 85%–90% LTC + 100% Rehab Escrowed)Delaware Cash-Out Refinance (Up to 75% LTV Cash-Out (Select 80% LTV Tiers))