Private DSCR Lender in Delaware
DSCR Loans in Delaware
Total Quality Lending finances real estate investors across Delaware with DSCR loans that qualify on the property’s rental cash flow — not your personal income. Up to 80% LTV, credit scores from 640, and loan amounts to $3.5M.
- Max LTV
- 80%
- Min credit score
- 640
- Loan amounts
- $100K–$3.5M
- Income docs
- None
Why investors choose DSCR loans in Delaware
A DSCR loan lets you scale a rental portfolio in Delaware without the income hurdles of conventional financing. Approval is based on whether the property pays for itself.
- Qualify on the property’s rental cash flow — no personal income, W-2s, or tax returns
- Up to 80% LTV for purchase, rate/term, and cash-out
- Credit scores from 640
- Loan amounts from $100,000 to $3,500,000
- Short-term rentals (Airbnb, VRBO, FlipKey) eligible up to 80% LTV on purchase
- First-time investors eligible (restrictions apply)
Delaware DSCR program at a glance
- Maximum LTV
- 80% (purchase)
- Minimum credit score
- 640
- Loan amounts
- $100K – $3.5M
- Occupancy
- Investment only
- Loan purposes
- Purchase, Rate/term refinance, Cash-out refinance
Available terms
- 15-, 30-, and 40-year fixed
- 5/6, 7/6 & 10/6 ARMs (30-year term)
- Interest-only options (680+ credit score)
Eligible property types
- Single-family (attached & detached)
- 2–4 unit properties
- Condominiums & condo-hotels
- Rural properties (up to 5 acres)
Short-term rental (Airbnb & VRBO) loans in Delaware
Running a short-term rental in Delaware? DSCR financing works for Airbnb, VRBO, and FlipKey properties too. Qualifying income is based on a 12-month rental average, and short-term rentals are eligible up to 80% LTV on purchase — so your nightly cash flow can power your next acquisition.
Delaware DSCR loan FAQs
Can I get a DSCR loan in Delaware?
Yes. Total Quality Lending provides DSCR loans throughout Delaware for real estate investors. DSCR (Debt-Service Coverage Ratio) loans qualify on the property's rental cash flow rather than your personal income — no W-2s or tax returns required.
What credit score do I need for a DSCR loan in Delaware?
DSCR loans in Delaware are available with credit scores starting at 640. Higher scores unlock higher LTVs and larger loan amounts.
What is the maximum LTV for a DSCR loan in Delaware?
In Delaware, DSCR loans are available up to 80% LTV for purchase, rate/term, and cash-out — subject to credit score, loan amount, and a debt-service coverage ratio of at least 1.00.
Can I use short-term rental (Airbnb) income to qualify in Delaware?
Yes. Short-term rentals (Airbnb, VRBO, FlipKey) are eligible in Delaware. Qualifying income is based on a 12-month rental average, and short-term rentals are eligible up to 80% LTV on purchase.
How much can I borrow with a DSCR loan in Delaware?
DSCR loan amounts in Delaware range from $100K to $3.5M, available for single-family, 2–4 unit, condominium, and eligible rural investment properties.
Ready to finance your Delaware investment property?
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