Where we lend · Delaware (DE)
Investment property financingin Delaware.
Fix & flip, DSCR rental, bridge and construction loans for investors in Wilmington, Dover, Newark and across Delaware. Pre-qualify in minutes with no hard credit pull.
The market
Investing in Delaware,at a glance.
Delaware punches above its weight as a real estate investment market. Wilmington and New Castle County benefit from proximity to Philadelphia, with commuters driving steady rental demand and property values that are significantly more affordable than neighboring New Jersey or Pennsylvania's Main Line. Dover, the state capital, offers a stable rental market anchored by Dover Air Force Base and state government employment. The Delaware beaches — Rehoboth, Lewes, Bethany — are premium vacation rental markets with some of the highest nightly rates on the mid-Atlantic coast. Delaware's favorable tax climate (no sales tax, low property taxes) further enhances investor returns.
Markets we serve
- Wilmington
- Dover
- Newark
- Middletown
- Rehoboth Beach
Why AIRE Lending in Delaware
- Lending programs covering all of Delaware's distinct markets
- Short-term rental financing for Delaware beach communities
- DSCR programs suited for Wilmington's Philly-commuter rental market
- Fast closings in a small state with efficient closing processes
- Understanding of Delaware's favorable tax environment for investors
Programs available
What we lendin Delaware.
Loan programs currently available through AIRE Lending in DE.
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
- 11.5%
- Leverage
- Up to 75%
- Term
- 24 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.
Delaware licensing and compliance
Delaware 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 Delaware lending regulations.
Questions, answered
Lending in Delaware,explained.
Do you finance beach properties in Delaware?
Yes. Delaware's beach communities — Rehoboth Beach, Lewes, Bethany Beach, Dewey Beach — are excellent short-term rental markets. We offer DSCR loans that accept Airbnb/VRBO income for qualification on these properties.
What makes Wilmington a good investment market?
Wilmington offers Philadelphia-adjacent rental demand at a fraction of Philly's property prices. Strong employment from financial services (Bank of America, JPMorgan), healthcare, and DuPont-area companies drives consistent tenant demand. Many investors achieve cap rates of 8-10% in Wilmington.
What are typical loan amounts in Delaware?
Delaware loan amounts typically range from $100K-$400K for Wilmington and Dover properties, and $300K-$800K+ for beach community properties. All are well within our lending parameters.
Is Delaware a landlord-friendly state?
Delaware has moderately landlord-friendly laws. The eviction process is relatively straightforward compared to neighboring states, and there is no rent control. Combined with no sales tax and competitive property tax rates, Delaware offers a favorable environment for rental investors.