Licensed & LendingHard Money & DSCR Loans in Delaware
Capital Kings funds hard money, DSCR, and bridge loans for Delaware real estate investors. Wilmington and the Newark/Bear corridor stay active for fix-and-flip, while the beach communities (Rehoboth, Lewes) drive vacation-rental DSCR demand.
7-day fix-and-flip close No personal income docs (DSCR) 270+ lender network
Loan Products
Capital That Funds Delaware Deals
Delaware's small footprint means investors typically work the whole state. And we lend on all of it. The proximity to Philadelphia, Baltimore, and DC keeps the New Castle County market liquid, while Sussex County is one of the strongest short-term rental yields in the Mid-Atlantic.
Fix & Flip
Hard Money for Flips
7-10 day close, 90% LTC, 100% rehab funded through draws. Built for Delaware fix-and-flip investors who need to win on speed.
DSCR
Rental Property Loans
Qualify on rental income. No W-2s, no tax returns. 30-year fixed available. Designed for Delaware buy-and-hold and BRRRR investors.
Bridge
Bridge & Value-Add
Short-term financing for value-add acquisitions, repositioning, and lease-up. 12-24 month terms, interest-only.
New Construction
Ground-Up Construction
Up to 85-90% LTC for ground-up SFR, townhomes, and small multifamily. Delaware growth corridors specifically.
Active Markets
Cities We Fund Across Delaware
Active lending across Delaware's primary investor markets. Don't see your city? We lend statewide. Submit your deal and we'll match it to the right lender.
Why Capital Kings
Built for Delaware Investors
Wilmington flip financing in 7-10 days
Available statewide for Delaware investors.
DSCR loans on STR-zoned beach rentals
Available statewide for Delaware investors.
Bridge financing for portfolio acquisitions
Available statewide for Delaware investors.
Common Questions
Delaware Lending FAQ
Do you lend hard money loans in Delaware?
Yes. Capital Kings funds hard money, DSCR, bridge, and fix-and-flip loans across Delaware through our 270+ lender network. We close Delaware deals in as little as 7 days.
What cities in Delaware does Capital Kings lend in?
We fund investor loans statewide in Delaware, with active deal flow in Wilmington, Dover, Newark, Middletown, Smyrna and the surrounding metros.
Do you offer DSCR rental loans in Delaware?
Yes. DSCR loans qualify the property on rental income (not your personal W-2), and we fund DSCR rentals across Delaware on single-family, 2-4 unit, and small multifamily properties. Including short-term rentals where projected Airbnb income is allowed.
How fast can a Delaware hard money loan close?
Most Delaware fix-and-flip deals close in 7-10 business days. We have lenders in our network who can close in as few as 5 days for clean files with title and appraisal ready.
What's the minimum down payment for a Delaware fix-and-flip loan?
As little as 0% down on the right deal. Most Delaware hard money lenders ask for 10-15% down on the purchase price, but our network is wider than that. Brand new investors in Delaware can get in with as little as 5% down. Even borrowers with rough credit can usually qualify at 10% down. And investors with a few previous deals under their belt can hit 0% down on the right scenario. 100% of rehab is funded through draw schedules in every case. The right structure depends on your experience, the deal, and what you're trying to accomplish, and that's exactly what we sort out when you submit your scenario.
Learn More
Delaware Investor Resources
Deeper reading on the loan structures, underwriting logic, and strategy that drive every Delaware deal we close.
Adjacent Markets
Also Lending In
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Founder & Broker
Micah Foster
Micah specializes in Non-QM and hard money lending for real estate investors across 37 states. Based in Texas, he founded Capital Kings to give investors a true broker who shops the market on their behalf instead of pitching one lender's product.
Connect With Micah →Ready to fund your Delaware deal?
Submit your scenario in under 3 minutes. We shop our 270+ lender network and come back with real terms, not a generic rate sheet.
Capital Kings, LLC is a non-QM mortgage brokerage. We are not a direct lender. We shop your scenario across a network of state-licensed direct lenders to find the best fit. Loans in Delaware are originated by partner lenders licensed to lend in Delaware. All loans subject to underwriting approval. Rates, terms, and program availability vary by lender and may change without notice. Hard money and DSCR loans are secured by real estate. Not for primary residences.