COMMERCIAL PROPERTY · Delaware (DE) Underwriting Matrix

Delaware Commercial Property Loans (Mixed-Use, Retail, Industrial, Warehouse & Office) — 2026 Rates, LTV Caps & State Rules

Delaware Commercial Property provide business-purpose real estate investors with Up to 75% LTV across loan amounts from $100,000 – $15,000,000+ at 6.875% – 8.99% (25–30 Yr Amortization, 5/7/10 Yr Fixed or 30-Yr Non-QM CRE, 660+ FICO min FICO, 21 – 30 Business Days close). In Delaware (DE), lenders underwrite to a Judicial (Scire Facias Sur Mortgage) statutory framework (170–230 days-day average timeline), a 0.57% average property tax rate (~$173/mo at the $365,000 state median), and $460/$100K hazard insurance (~$140/mo).

Max Leverage / LTC

Up to 75% LTV

Min FICO: 660+ FICO

2026 Rate Band

6.875% – 8.99%

25–30 Yr Amortization, 5/7/10 Yr Fixed or 30-Yr Non-QM CRE

DE Security Instrument

Judicial (Scire Facias Sur Mortgage)

170–230 days days avg timeline

DE Avg Tax & Ins

0.57% Tax

$460/$100K Hazard Ins

How Commercial Property Work in Delaware (DE)

Commercial property loans provide non-bank DSCR and bridge financing for mixed-use buildings, small-bay industrial warehouses, neighborhood retail strips, medical/professional office, and self-storage facilities from $250,000 to $15,000,000+ without restrictive commercial bank depository requirements.

1. Delaware Median Benchmark

Median 1–4 unit price of $365,000 (75% LTV = $273,750) with Form 1007 rent of $2,650/mo and multifamily rent of $1,540/door.

2. Escrow & Title Underwriting

Delaware operates under a Judicial (Scire Facias Sur Mortgage) regime (170–230 days days). Lenders require ALTA lender's title endorsement, LLC Good Standing, and 6 months PITIA liquidity reserves.

3. Fast-Track Closing (21 – 30 Business Days)

Close in your Delaware LLC or Delaware LLC registered in DE with zero personal tax returns, W-2s, or 4506-C transcripts.

Explore Other Programs in Delaware

Delaware DSCR Loans (Up to 80% LTV Purchase / 75% Cash-Out)Delaware Hard Money Loans (Up to 85%–90% LTC / 75% ARV)Delaware Private Money Loans (Up to 80% LTV / 85% LTC)Delaware Fix & Flip Loans (Up to 90% Purchase + 100% Rehab (75% ARV Cap))Delaware Bridge Loans (Up to 80% LTV Acquisition / 75% Bridge Cash-Out)Delaware Ground-Up Construction (Up to 85% LTC / 70%–75% Completed ARV)Delaware Multifamily (5+ Units) (Up to 75%–80% LTV Purchase / 70%–75% Cash-Out)Delaware Rehab & BRRRR Loans (Up to 85%–90% LTC + 100% Rehab Escrowed)Delaware Cash-Out Refinance (Up to 75% LTV Cash-Out (Select 80% LTV Tiers))