Investment property financing built for Delaware
Delaware may be small, but its spot on the I-95 corridor between Philadelphia and Baltimore makes it an unusually active investment market — from the Wilmington and Newark core in New Castle County, through the capital at Dover, down to the fast-growing coastal towns of Lewes, Rehoboth Beach, and Millsboro in Sussex County. New City Financial helps investors fund deals here on the strength of the property, not a stack of personal paperwork, with business-purpose financing on Delaware rental, multifamily, and commercial real estate and a fast, predictable path from quote to close.
Because we underwrite the asset’s cash flow rather than your tax returns, our programs fit the way Delaware investors operate: self-employed owners, portfolio buyers, and the LLC-titled property the state is famous for. Whether you’re acquiring a rental near the University of Delaware in Newark, refinancing a mixed-use building in Wilmington, or pulling cash out of a Sussex County beach-market portfolio, you get one lender, one set of terms, and a straight answer quickly.
Loan programs for Delaware investors
Every New City Financial program is available on qualifying Delaware investment and commercial property. Not sure which fits your deal? Start the form and we’ll route you to the right one.
Cash-Out Refinance
Tap into your property's equity to access capital for your next investment or business opportunity.
Learn moreDSCR Refinance
Refinance your investment property based on cash flow rather than personal income.
Learn moreMulti-Family & Apartment Loans
Financing solutions for apartment complexes and multifamily residential properties of all sizes.
Learn moreDSCR Loans
Qualify on the property's rental cash flow, not your personal income — purchase investment property with no tax returns.
Learn moreFix and Flip Loans
Fast funding for fix-and-flip projects with competitive rates and flexible terms designed for investors.
Learn moreARV Loans
Loans based on the after-repair value of your property, not just the current value.
Learn moreForeign Investor Loans
Financing solutions for international investors looking to purchase commercial and investment properties.
Learn moreProperty types we finance in Delaware
We lend on business-purpose investment and commercial real estate across Delaware — from single-family rentals and small multifamily to larger apartment, retail, office, industrial, and mixed-use assets. Owner-occupied commercial space is eligible; primary residences are not.
Why Delaware investors choose New City Financial
We finance the property, not your paperwork
Approval is based on the property’s rental income (its DSCR) — no personal tax returns, W-2s, or employment verification. Ideal for investors with strong properties but complex personal finances.
Considered from a 500 FICO
Where most lenders draw the line at a 620–680 score, a cash-flowing, business-purpose property can carry the loan. First-time and portfolio investors are both welcome.
Close in under 3 weeks
Investor-focused underwriting and minimal paperwork mean most files fund fast — the speed that wins competitive deals and lets you scale.
One lender, consistent terms
Up to 75% LTV, loans from $75K to $50MM, on a single set of terms across 40+ states — so you can grow a portfolio without switching lenders deal to deal.
Financing a property in Delaware? Get your number in minutes.
Checking your rate is a soft inquiry — it won’t affect your credit score, and there’s no obligation.
Delaware commercial loan FAQs
Does New City Financial lend on investment property in Delaware?
Yes. We finance business-purpose investment and commercial real estate across all three Delaware counties — the Wilmington and Newark core in New Castle, the capital at Dover in Kent, and the coastal Sussex County towns of Lewes, Rehoboth Beach, and Millsboro. Loans run from $75K to $50MM at up to 75% LTV.
Can I get a Delaware commercial loan without tax returns?
Yes. Our DSCR programs qualify the loan on the property’s rental cash flow rather than your personal income, so no tax returns, W-2s, or employment verification are required — a strong fit for Delaware’s self-employed and portfolio investors.
What credit score do I need for a DSCR loan in Delaware?
Credit is considered from a 500 FICO. Because approval leans on the property’s cash flow and a loan-to-value of up to 75%, a strong Delaware asset can carry the loan even when personal credit is imperfect.
How fast can you close a commercial loan in Delaware?
Most Delaware files close in under three weeks. Investor-focused underwriting and minimal documentation keep the process fast, whether you’re buying along the I-95 corridor near Wilmington or in the fast-growing Sussex County beach markets.
What loan-to-value can I get on Delaware investment property?
Up to 75% LTV. You’ll typically bring 25% or more as equity; stronger credit and property cash flow generally earn better pricing. Loans range from $75K to $50MM across all eligible property types.
Can I finance Delaware property held in an LLC?
Yes. Delaware is the incorporation capital of the country, and our business-purpose loans are built for entity-titled real estate — LLCs, LPs, and corporations. Because we lend on the property’s cash flow, holding your Delaware asset in an entity is standard, not an obstacle.
Financing your Delaware deal with New City Financial
New City Financial provides business-purpose financing on Delaware investment and commercial property — multifamily, industrial, retail, mixed-use, office, and more. Qualify on the property’s cash flow (DSCR), not your personal tax returns, with up to 75% LTV, loans from $75K to $50MM, a 500 FICO minimum, and closings in under three weeks. Owner-occupied commercial space is eligible; primary residences are not. Get a no-obligation quote in minutes, or call (855) 848-2862 to talk it through with a specialist.