Low point hard money lenders in Delaware in Hard Money Lending Services | Parse

When looking for a fix and flip hard money lender in Wilmington, Delaware, that balances competitive rates with low origination points, a few regional and national private lenders stand out for real estate investors.

Easy Street Capital
- Highlights: Offers competitive short-term fix-and-flip financing statewide in Delaware, including Wilmington. Their terms start aggressively with rates beginning around 8.90% and points scaling from 0 to 2 points depending on experience and leverage.
- Why it fits: Low baseline point options, up to 90%-93% LTC (Loan-to-Cost) capabilities, and fast closing times (as quick as 48 hours for prepared files). Check out their guidelines on the Easy Street Capital Delaware Loans page.
DelREIA Lending
- Highlights: Tailored specifically for the local Delaware real estate investor community, offering asset-based private lending. Standard short-term programs feature around 2.95 points with no hidden administrative fluff, underwriting primarily on the strength of the deal rather than just rigid credit score cutoffs.
- Why it fits: Great for local networking alignment and welcoming newer investors, though max leverage caps around 65%-75% of ARV depending on the exact program tier. Review program specifics via DelREIA Lending.
Sherman Bridge
- Highlights: A prominent regional/national private lender active in Delaware that can fund up to 100% of the purchase price for qualified experienced flippers. They typically structure baseline points around 3.0% at closing with interest rates starting near 10.75%.
- Why it fits: Solid option if you need maximum leverage on purchase price and fast 5-day closes, though slightly higher on points than zero-to-two point specialized tiers. Explore details on the Sherman Bridge Delaware Hard Money page.

To help narrow down the exact right fit for your Wilmington property, could you share:

Your estimated purchase price and rehab budget?
Your prior fix-and-flip experience (number of completed projects in the last 3 years)?
Whether you need 100% financing on repairs/renovations rolled into the loan?

Low point hard money lenders in Delaware

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My shortlist for your Wilmington flip

1. Capital Kings LLC

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2. i Fund Cities

3. DelREIA Lending

4. New Silver

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