Hard Money Lenders Delaware
Get approved in less than 5 minutes with instant term sheet + proof of funds
Fast Delaware Hard Money Loans
Ready to close in less than a week
- Interest rates 9.25 – 11.25%
- Credit score 650+
- Loan-to-Cost Up to 90%
- No income verification
- Get approved online in 5 minutes
- Instant proof of funds letter
- Interest only payments

Need financing for your upcoming real estate project? Get approved for a hard money loan in 5 minutes using our online application
Need funding fast? Look no further than New Silver. New Silver has the perfect selection hard money loans for property investors in Delaware.
New Silver has a variety of different hard money loan products available to suit the needs of any real estate investor. Run by a team of experienced real estate professionals, our loans are ideal for real estate investors in DE.
Loan Programs
Fix & Flip
For house flippers hoping to purchase a fixer upper to renovate and resell in Delaware. Interest rates from 9.25 – 11.25%, Loan-To-Cost up to 90%, with loan terms up to up to 18 months. Hard Money Refinance Loans also available.
- Get up to $5,000,000
- Interest rate 9.25 – 11.25%
- Origination fee from 1.25 - 1.75%
- Up to 100% construction
Rent
30-year rental loans for stabilized rental properties. Ideal for investors hoping to acquire an investment property. Interest rates from 6.375, loan-to-purchase price up to 80%. Built for buy and hold investors that purchase rental properties.
- Get up to $3,000,000
- Interest rate 6.375
- Origination fee 0 - 2%
- 30-year fixed rate
Ground Up
Designed for residential builders, our ground up construction loans can finance up to 90% Loan-to-Cost (LTC). Interest Rates from 10.5 to 11.5%
The perfect solution for builders in Delaware that need quick access to capital to fund construction costs.
- Get up to $5,000,000
- Interest rate 10.5 - 11.5%
- Origination fee from 1.5 - 2%
- Up to 18 months
Delaware House Market Overview
Average Home Value
$402,409
1-Year Home Appreciation
2.0%
Average
1 Bedroom Rent
$1,425/month
Average 3 Bedroom Rent
$2,300/month
Delaware Offers A Balanced Market with Steady Growth: Delaware’s real estate market offers a balanced environment for investors, with an average home value of $402,409 and a modest 2.0% annual appreciation. This stability provides a reliable landscape for both new and seasoned investors seeking consistent returns without the volatility seen in more aggressive markets.
Favorable Rental Market Dynamics: The state’s rental market is experiencing healthy growth, with average rents for one-bedroom apartments at $1,425 and three-bedroom units at $2,300. These figures represent year-over-year increases of 6.5% and 4.5%, respectively, indicating a strong demand for rental properties. Investors can capitalize on this trend by focusing on areas with high rental demand and limited housing supply.
Poised For Long Term Growth: Delaware’s affordability, combined with its steady appreciation and robust rental market, makes it an attractive option for investors employing buy-and-hold strategies. The state’s diverse economy and growing population further enhance its appeal, providing a solid foundation for long-term investment success.
Real Estate Investing Hot Spots In Delaware
Wilmington
As Delaware’s largest city, Wilmington presents a dynamic urban market with strong rental demand. The 19801 zip code has experienced a 59.3% property value appreciation over the past five years, ranking it among the top in the state. With an affordability ratio of 3.5, it’s one of the most accessible markets for investors seeking both cash flow and long-term growth.
Rehoboth Beach
Rehoboth Beach is a premier coastal destination, attracting tourists year-round. The short-term rental market here is robust, with an average annual revenue of $90,398 and a gross yield of 5.9%. Despite higher property values, the consistent demand for vacation rentals offers investors substantial income potential.
Lincoln
Lincoln stands out as Delaware’s top residential real estate investment market. It boasts a 65.93% appreciation rate over the past five years and maintains an affordability ratio of 5.3. With low property taxes and a growing population, Lincoln offers a compelling mix of affordability and growth potential.
Delaware Real Estate Market Analysis
Home Appreciation In Dover Is Slightly Lower Than Average: The 1-Year Appreciation rate for homes in Dover is 7.4%, while the 3-year appreciation rate is 38.1%. This is a touch lower than the US National average of 8.6% (1 year) and 41.4% (3 years).
There Aren’t Very Many Home Sales In Delaware: Over the last 12 months, there were approximately 78548 homes sold in Delaware. This is a drop of 21.7% compared to the previous year. This Delaware market has clearly been affected by rising interest rates, which have increased the long term cost of home ownership.
Delaware Real Estate Investor Associations
- DelREIA
- Delaware Association of Realtors
- Sussex County Association of Realtors
- New Castle County Board of Realtors
Resources Used In This Post
Reasons to Fund Your Investment Property with New Silver
It doesn’t matter if you are a buy and hold investor or a house flipping specialist. New Silver is one of the highest-rated Delaware hard money lenders with a selection of real estate loans perfectly matched to meet your real estate investing needs. Unlike a conventional mortgage which can take ages to complete, our hard money loans can be approved online in less than 5 minutes, with an instant proof of funds letter to help you secure the purchase. We are ready to help you solve your real estate investment needs with fast closing hard money loans.

Yes. New Silver is both a hard money lender and private money lender specializing in asset-based financing for real estate investors across the U.S. This makes us an excellent option for investors who need quick access to capital – with instant term sheets, competitive rates, and, most importantly, fast closings that typically happen within 5 to 7 business days.
New Silver offers a variety of loan terms to suit different real estate investing strategies in Delaware, including:
- Short-term fix and flip loans with durations typically between up to 18 months.
- 30 rental property loans for long-term investment stability.
- Construction loans structured around your development timeline, typically 18 months.
These terms allow real estate investors to match financing to their strategy—whether that’s a quick resale or long-term cash flow.
New Silver provides ground-up construction loans for real estate investors and developers building Residential 1-4 units, condos, townhomes in Delaware. We fund projects up to $5,000,000, with terms tailored to construction timelines. These loans are ideal for single-family residential builds that need reliable capital from start to finish.
New Silver offers short-term bridge financing through our fix and flip loan program. These loans have terms of up to 18 months and are ideal for real estate investors who need immediate funding to purchase and improve properties before resale.
Interest rates on hard money loans are higher than traditional mortgages because of the increased risk and speed involved. These loans are used for investment properties that need renovation, quick closing timelines, or flexible qualification—situations traditional lenders usually avoid.
Hard money loans are asset-based, meaning the property’s value drives the approval and serves as collateral for the loan. Since they’re short-term and fund riskier projects, the higher interest compensates for that risk. In return, investors gain access to fast, flexible capital that can help them act on time-sensitive opportunities and scale their portfolio faster.
Origination fees for New Silver loans typically range between 1.25 - 1.75%. Monthly payments on short-term loans are interest-only, reducing cash flow strain during renovations. For an accurate estimate, we recommend using our Hard Money Loan Calculator to preview fees and monthly costs.
Credit scores are part of our evaluation process, but they’re not the primary factor. Unlike traditional lenders, New Silver focuses on the asset and overall deal strength. A lower credit score may still qualify if the investment opportunity is strong.
New Silver offers a range of loan products designed for real estate investors in Delaware, including:
Each product is tailored for specific investment strategies, whether you’re renovating, holding, or building.
New Silver specializes in residential investment properties up to 4 units. We do not currently fund commercial properties with more than 4 units. However, we have partners we can refer you to if your project exceeds our scope.
We offer a DSCR-based 30-year rental property loan.This loan qualifies largely based on the income generated by the investment property, with a minimum DSCR requirement of 0.75. It’s ideal for buy-and-hold investors who want long-term financing in Delaware.
Where We Lend
Hard Money Loans Across The US
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- Delaware
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- Hawaii
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- Ohio
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- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Washington DC
- West Virginia
- Wisconsin
- Wyoming
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