LendingOne for Delaware investors
LendingOne is an established national non-QM lender with deep coverage across hard money and rental products. Covers all states and DC except Alaska, Nevada, North Dakota, South Dakota, and Utah, with 75% LTV on cash-out refinance.
Delaware context
Delaware low property tax. Strongest LLC formation state — many investor LLCs registered here even for properties in other states. Strong corporate-anchored DSCR.
How LendingOne positions in Delaware
Delaware is well covered by national DSCR lenders, with LendingOne as one option. Where LendingOne differentiates: established track record. Where it competes: rates 9 to 12 percent against peer programs.
City-level coverage in Delaware
LendingOne provides DSCR coverage across Delaware metros including Wilmington, Dover, and Delaware. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. LendingOne program terms apply uniformly across Delaware metros; the specific deal characteristics determine final pricing.
Terms and pricing
| Loan type | DSCR non-QM institutional |
|---|---|
| Products | fix-and-flip, BRRRR, rental, bridge, new-construction |
| Loan size | $85K - $2.0M |
| Rates | 9%-12% |
| Points | 1 - 3 |
| Max LTV | 80% of ARV |
| Term lengths | 12-24 months (hard money) / 30-year (rental) |
| Typical close time | 14-21 days typical |
| Delaware property tax | 0.6% |
| Delaware state income tax | 6.6% |
LendingOne strengths in Delaware
- established track record
- broad product suite
- national investor focus
Ideal borrower: Mid-to-experienced investor with stabilized portfolio
FAQ
Yes, operates nationally including Delaware. LendingOne is based in Boca Raton, FL and operates nationally.
Wilmington is the top investor market in Delaware and falls within LendingOne national coverage. Wilmington property tax follows the Delaware state rate of 0.6 percent. LendingOne typically underwrites Wilmington acquisitions at standard rate sheets.
Yes. Dover ranks among the larger Delaware investor metros and sees consistent DSCR loan volume from LendingOne. Submarket variation within Dover matters for property selection.
LendingOne applies the same rate sheet across Delaware metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Wilmington, Dover, and Delaware all qualify for the same LendingOne program.
LendingOne indicative DSCR rate range is 9 to 12 percent with 1 to 3 points.
Delaware low property tax. Strongest LLC formation state — many investor LLCs registered here even for properties in other states. Strong corporate-anchored DSCR. LendingOne follows standard business-purpose loan structures.
LendingOne funds fix-and-flip, BRRRR, rental, bridge, new-construction in Delaware.
Delaware allows standard DSCR prepay structures; LendingOne typically uses 3-5 year step down.
LendingOne typical close: 14-21 days typical.
Bottom line
Delaware investors considering LendingOne should verify current rate sheets directly and confirm specific submarket coverage.
Independent directory listing. DSCR Loan Program is not affiliated with LendingOne.