The #1 Hard Money Lenders Delaware since 1998 for Real Estate Investors 

As one of the go to hard money lenders in Delaware, offers hard money loans in DE with fair terms and a fast process. Click the button to get started by sending a few quick pieces of info.


Real Estate Investors use Hard Money Lenders LLC for their fix and flips, ground up construction and rental loans. 


Close in as little as 7 days – We are a direct lender.

Submitting your application package is quick and easy.

American Association of private lenders member

What do Hard Money Lenders Delaware offer for Real Estate Investors?

Hard money lenders Delaware provide financing options tailored to the needs of real estate investors. These lenders specialize in short-term loans secured by real estate, making them ideal for various investment scenarios:

  1. Fix and Flip Loans:
    • Designed for investors purchasing distressed properties to renovate and resell.
    • Competitive rates and flexible terms.
    • Funding for property acquisition and renovation costs.
  2. New Construction Loans:
    • Ideal for ground-up construction projects.
    • Short-term financing to cover construction expenses.
    • Based on the property’s value after completion.
  3. Bridge Loans:
    • Bridge the gap between property acquisition and long-term financing.
    • Quick approvals and fast funding.
    • Useful for investors transitioning between properties.
  4. Rental Property Loans:
    • Financing for purchasing or refinancing rental properties.
    • Options for single-family homes, multi-unit properties, and apartment buildings.
Ken has been a hard money lender for over 25 years. He has funded over 25k deals for investors in that time. Ken specializes in fix and flips, ground up spec construction and 30 year DSCR loans. He is also a real estate investor in NJ and NY.

We Lend in:

Wilmington, Dover, Newark, Middl, Bear, Glasgow, Brookside, Hockessin, Smyrna, Milford and most cities in Delaware

What loan programs does LLC offer as Delaware Hard Money Lenders? LLC, a reputable hard money lender based in New Jersey, offers a range of loan programs tailored to real estate investors in Delaware:

  1. Fix and Flip Loans:
  2. Construction Loans:
    • Ideal for Ground-Up Projects:
      • Financing for new construction and development.
      • Short-term loans to cover construction expenses.
    • Flexible Terms:
      • Based on the property’s value after completion.
      • Quick approvals and efficient funding.
  3. Rental Property Loans:
    • Loan Types: 5/1 ARM, 7/1 ARM, 10/1 ARM, 30-Year Fixed
    • Loan Amount: $50,000 to $2 million
    • Loan-to-Value (LTV):
      • Up to 80% on purchases
      • Up to 75% on refinances
    • Credit Requirement: 660 mid-credit or better
    • Interest-Only Options Available LLC’s expertise and commitment to real estate investors make them a trusted choice for Hard Money Loans in Delaware. 

Delaware Fix and Flip Loans

Wisconsin-Construction-Loans-HardMoneyMan (1)

Delaware Construction Loans

Delaware Rental Loans

Delaware Multi Family Loans

What sets LLC apart from other Hard Money Lenders Delaware?

  1. Experience and Track Record:
    • With over 20 years in hard money lending, LLC has a proven history of assisting real estate investors nationwide.
    • They’ve closed and funded over 7,500 loans totaling over 1.2 billion in transactions, making them one of the most experienced lenders available1.
  2. Customized Loan Programs:
    • Unlike one-size-fits-all approaches, they tailor loan programs to meet specific investor needs.
    • Whether you’re a seasoned flipper or a first-time investor, they offer solutions.
  3. Efficient Process:
    • From intake to underwriting to closing, their quick and efficient process ensures timely funding.
    • In-house construction teams facilitate seamless draws for construction projects.
  4. Coverage Across Delaware:
    • Regardless of your location in Delaware, LLC is there to help you achieve your funding needs.
    • They’ve closed over 2,500 hard money loans in Delaware since 1998, making them one of the oldest hard money lenders in the country.
  5. Positive Reviews:
    • Clients commend their services, emphasizing efficiency, transparency, and reliability.
    • Their commitment to keeping promises and providing valuable insights sets them apart.

In summary, LLC’s combination of experience, customized solutions, and efficient processes makes them a premier choice for real estate investors in Delaware.


We're in the Business

We’ve rehabbed, sold and rented investment properties ourselves. We know what to look for so you can be confident that your project will result in profit. 


We're a Direct Lender

We loan the money. We don’t find the money form someone else. This means you can rest easy knowing that if we approve your loan, it’s going to get funded. No surprises.


We're Fast and Efficient

We can give you preliminary approval in as little as 24 hours and have your loan closed and paid out in less than 7-10 days. We’re one of the most efficient hard money lenders in Delaware.


We're Investor Focused

We consider you our partner and we want you to make money. We make it a point to look at our loans from all angles to make sure you’re going to get a fair return. 

Shaun Dozier
Shaun Dozier
My company has closed over 5 deals with Ken Vesely . He's very knowledgeable and will get it done . Good communication and responsive!
Demetri Williams
Demetri Williams
This is the best lender I've used for all my deals. Very fast and efficient. Never any glitch always a smooth sail to closing. Don't waste your time using someone else.
Dario Olivere
Dario Olivere
I have closed multiple deals with Ken. He’s to the point, very straight forward and won’t lead you on. He’s helped guide me along the way. I will always recommend him to my friends and I will always use him for my deals.
Tom Tinsey
Tom Tinsey
This was my first time using any type of hard money financing so I had tons of questions along the way. Ken answered every one and even helped me out a lot with great recommendations as far as building my real eatate portfolio. Look forward to working with him on future deals and would recommend. No nonsense. No bs. All buisness!!
Brandi Pernell
Brandi Pernell
The experience my husband’s and my company (Kingdom Realty, LLC) had with, LLC/Ken Vesely was five-star, from our very first interaction to closing. Ken is efficient, responsive, transparent and extremely knowledgeable. He kept his word on all things discussed, with no surprises along the way, which is extremely important with matters such as these. This was Kingdom Realty LLC's first experience with a hard money loan. Ken took the time to answer all of our questions and taught us a lot throughout our loan approval process. We closed our deal in less than 30 days; and would have closed sooner had it not been for the holidays. We are very much looking forward to working with LLC for our next deal, and strongly recommend this company to others looking to invest in real estate, close a deal quickly, and learn some tips along the way.
Christian Rodriguez
Christian Rodriguez
I have worked with Ken multiple times and every transaction was a breeze if I have to recommend a straight forward Hard Money Lender, Ken is the man to go with
Christina McCann
Christina McCann
Great company great experience
Joe Matthews
Joe Matthews
Dealing with Ken and his team is flawless. The process is very streamline from start to finish with excite communication throughout the process

How is the Delaware Real Estate Market for investing in 2024?

The Delaware real estate market in 2024 is poised to be dynamic, presenting a unique mix of challenges and opportunities for buyers and sellers alike. Here are some key insights based on the data:

  1. Seller’s Market: 2024 will be a terrific market for sellers. Home prices in Delaware are rising and will continue to rise until the supply-demand dynamic changes. As of January 2024, there were 1,607 houses for sale in Delaware, indicating a very limited inventory to satisfy the demand of potential home buyers
  2. Home Prices: The average median home price in Delaware is $315,800, up by 4.1% year-over-year. As a result of the tight inventory, experts anticipate that the median sale price will increase further.
  3. Home Sales: As of January 2024, home sales decreased by 15.3% year-over-year. A total of 447 homes were sold in January 2024, down from 538 in January 2023.
  4. There is a wide range of rental rates across the state, but the overall market trend indicates a high level of demand and a low level of supply.

Investors will find Delaware’s real estate market ripe with potential, thanks to factors such as a favorable tax climate and a strategic East Coast location. There are a variety of investment opportunities available, from single-family rentals to multi-family dwellings, with the latter being especially in demand in urban centers such as Wilmington2. So, if you’re considering investing in Delaware real estate, it’s essential to stay informed about market trends and make strategic decisions based on the available data

What are the best neighborhoods for real estate investment in Delaware?

When considering real estate investment in Delaware, it’s essential to explore neighborhoods that align with your investment strategy. Here are some top areas to consider:

  1. Dewey Beach: Historically known for vacation rentals, Dewey Beach has recently experienced a population shift. More retirees are converting rental properties into year-round homes, leading to a contraction in the vacation rental market. If you’re investing for the vacation market, Dewey Beach is an excellent choice.
  2. Rehoboth Beach: Another popular vacation spot, Rehoboth Beach has seen home prices dip lately. In 2018, homes lost 10.9% of their value, and predictions indicate a further 2.8% decline in 2019. However, it’s essential to note that Rehoboth Beach is in the middle of a cluster of highly regarded communities, making it an attractive real estate market overall.
  3. Newark: Newark’s home values dipped slightly in 2018 (by 0.8%), but they are expected to rise by 3.3% in 2019. The city offers a strong job market and potential for future growth.
  4. Wilmington, DE: Wilmington continues to be a good city for investors. Its vibrant city life and strong job markets make it an attractive option for real estate investment.
  5. Bear, DE: Bear is another area worth considering. It offers a mix of suburban living and proximity to larger cities, making it appealing for investors.

How can I contact LLC for more information about fix and flip loans in Delaware? 

If you’re interested in fix and flip loans in Delaware, you can reach out to LLC. They specialize in providing hard money loans for real estate investors. Here are a few ways to get in touch with them:

  1. Phone: You can call them at 1-888-827-9159 to learn more about their fix and flip loan offerings1.
  2. Website: Visit their website at LLC for additional information and to explore their services. LLC has been in the business since 1998 and has closed over 2,500 hard money loans in Delaware, making them one of the oldest hard money lenders in the country.

Can I schedule a consultation with them for my Delaware Hard Money Loan?

To schedule a consultation with LLC regarding your Delaware Hard Money Loan, you can follow these steps:

  1. Phone: Give them a call at 1-888-827-9159 to discuss your requirements and set up a consultation.
  2. Website: Visit their website at LLC and look for any contact information or consultation request forms they may have.

Remember to provide them with relevant details about your investment plans and financial needs during the consultation.

Tell me more about their loan terms and repayment options. LLC offers various loan programs tailored to real estate investors. Here are some details about their loan terms and repayment options:

  1. 12-Month Term: This program has no Debt Service Coverage Ratio (DSCR) requirements and no pre-payment penalty. It’s ideal for short-term financing needs.
  2. 24-Month Term (Bridge Loan): Based on DSCR, this program includes a 6-month pre-payment penalty. To qualify, the property’s DSCR should be 1.2 or better. Borrowers with a credit score of 620 or higher can benefit from this option. Up to 80% loan-to-value (LTV) is available for purchases, and up to 75% LTV for refinances.
  3. Interest-Only Options: Some of their loan programs offer interest-only payments during the term.

Remember to reach out to LLC directly for personalized advice and to discuss your specific investment goals. They are a direct lender, which means they make decisions and write checks without intermediaries.

What are the typical interest rates for Delaware Fix and Flip Loans?

Interest Rates for Fix-and-Flip Loans:

  • The interest rates for fix-and-flip loans can vary depending on the lender and the specific details of your project.
  • As of April 2024, here are some typical ranges:
    • Fix-and-flip loans: Approximately 12.5%.
    • Conventional 30-year fixed rate mortgage: Around 7.1%.
  • In general:
    • Typical interest rates: Fall between 10% and 18% for hard money loans
    • Fees: Up to 2 to 4 points.
  • Keep in mind that these rates are higher than conventional mortgage rates due to the short-term nature and the increased risk associated with fix-and-flip investments.

Are there any specific requirements for fix and flip loans in delaware?

When seeking fix and flip loans in Delaware, there are several factors to consider. Here are some key requirements and considerations:

  1. Property Assessment:
    • After-Repair Value (ARV): Lenders typically evaluate the property’s ARV, which is the estimated value after renovations. This value influences the loan amount.
    • Property Condition: The property should be in need of repairs or improvements. Lenders assess the scope of work required.
  2. Investor Qualifications:
    • Credit Score: While specific requirements vary, having a good credit score is beneficial.
    • Business Plan: Prepare a solid business plan outlining your strategy for the fix and flip project.
    • Experience: Some lenders may require prior experience in real estate investing, while others are open to first-time investors
  3. Loan Terms:
  4. Documentation:
    • Prepare necessary paperwork, including:
      • Purchase Contracts
      • Title Search Reports
      • Repair Project Estimates

Get Approved For A Hard Money Loan in DE

Simple and Fast Application Process

From Start to Finish: The Process of Securing Funding from Delaware Hard Money Lenders

Securing funding for a real estate project can be a daunting task, especially if you’re new to the industry. However, with Delaware hard money lenders, the process can be simpler and more straightforward. Hard money lenders offer short-term loans that are secured by real estate, making them an ideal financing option for real estate investors. In this guide, we’ll take you through the process of securing funding from Delaware hard money lenders, from start to finish. We’ll cover everything from finding the right lender to submitting your application and receiving your funds. By the end of this guide, you’ll have a clear understanding of what to expect and be better equipped to secure the funding you need to start your real estate project. So, let’s get started!

Understanding Hard Money Loans

A hard money loan is a short-term loan that is secured by real estate. Hard money lenders are typically private individuals or companies that lend money based on the value of the property being used as collateral. Unlike traditional loans, hard money loans are not based on the borrower’s creditworthiness or income. Instead, hard money lenders base their lending decisions on the value of the property and the borrower’s ability to repay the loan.

Hard money loans are typically used for real estate investments that require a quick turnaround, such as fix-and-flip projects. These loans are also used for real estate investments that traditional lenders are unwilling to finance. For example, if a property is in poor condition or has other issues that make it difficult to finance through traditional lenders, a hard money loan may be the best option.

Benefits of Using Hard Money Lenders

One of the main benefits of using hard money lenders is the speed at which you can get funding. Traditional lenders often take weeks or even months to approve and fund loans. Hard money lenders, on the other hand, can provide funding in as little as a few days. This can be crucial for real estate investors who need to move quickly on a property.

Another benefit of using hard money lenders is the flexibility they offer. Traditional lenders have strict guidelines and requirements that borrowers must meet. Hard money lenders, on the other hand, are more flexible in their lending criteria. This means that borrowers who may not qualify for traditional loans may be able to get funding through a hard money lender.

Finally, hard money loans can be a good option for borrowers who need to borrow money quickly but do not have the credit history or income to qualify for a traditional loan. Hard money lenders base their lending decisions on the value of the property being used as collateral, rather than the borrower’s creditworthiness.

Finding the Right Delaware Hard Money Lender

When looking for a Delaware hard money lender, it’s important to do your research and find a reputable lender who can meet your needs. Here are some tips to help you find the right lender:

1. Research online: Look for reviews and ratings of different hard money lenders online. This can give you an idea of the lender’s reputation and track record.

2. Ask for referrals: Ask other real estate investors or professionals in the industry for referrals to hard money lenders they have worked with in the past.

3. Check credentials: Make sure the lender is licensed and has a good standing with the state regulatory agency.

4. Consider experience: Look for a lender who has experience in the type of real estate investment you are pursuing.

5. Compare rates and terms: Compare the rates and terms of different lenders to find the best option for your specific needs.

Preparing Your Loan Application

Once you have found a Delaware hard money lender that meets your needs, it’s time to prepare your loan application. Here are some tips to help you prepare:

1. Gather documentation: Hard money lenders will typically require documentation such as property appraisal, income verification, and credit reports. Make sure you have all the necessary documentation before submitting your application.

2. Be honest: Be upfront and honest about your financial situation and the purpose of the loan. Hard money lenders are more interested in the value of the property being used as collateral than your credit history.

3. Be prepared to negotiate: Hard money lenders may offer different rates and terms depending on the specific details of your loan. Be prepared to negotiate to get the best deal possible.

The Underwriting Process

Once you have submitted your loan application, the underwriting process begins. This is where the lender will evaluate the loan application and determine if it meets their lending criteria. Here are some things to expect during the underwriting process:

1. Property appraisal: The lender will typically order an appraisal of the property to determine its value.

2. Credit check: The lender may perform a credit check, but this is not typically a major factor in their lending decision.

3. Income verification: The lender may require income verification to ensure that you have the ability to repay the loan.

4. Loan terms: The lender will determine the loan terms, including the interest rate, points, and length of the loan.

Closing the Loan

If your loan application is approved, it’s time to close the loan. Here’s what to expect during the closing process:

1. Signing documents: You will need to sign the loan documents and any other necessary paperwork.

2. Paying fees: You will need to pay any closing costs and fees associated with the loan.

3. Funding: Once all the paperwork is signed and fees are paid, the lender will fund the loan.

Repaying the Loan

Hard money loans are typically short-term loans, with terms ranging from six months to three years. The loan will need to be repaid in full at the end of the term. Here are some things to keep in mind when repaying your hard money loan:

1. Make payments on time: Late payments can result in additional fees and may harm your relationship with the lender.

2. Plan ahead: Make sure you have a plan in place to repay the loan at the end of the term.

3. Consider refinancing: If you are unable to repay the loan at the end of the term, consider refinancing the loan or selling the property.

Tips for Success with Hard Money Lenders

Here are some tips to help you succeed when working with hard money lenders:

1. Do your research: Take the time to research different hard money lenders to find the best option for your specific needs.

2. Be honest: Be upfront and honest about your financial situation and the purpose of the loan.

3. Build a relationship: Building a good relationship with your lender can help you secure future loans and get better rates and terms.

Frequently Asked Questions About Hard Money Lending

Here are some frequently asked questions about hard money lending:

1. What is the minimum credit score required for a hard money loan?

Hard money lenders typically do not require a minimum credit score.

2. How long does it take to get funding from a hard money lender?

Funding can typically be received in as little as a few days.

3. What types of properties can be used as collateral for a hard money loan?

Hard money loans can be used for a variety of property types, including commercial, residential, and industrial.


Securing funding from Delaware hard money lenders can be a great option for real estate investors who need to move quickly on a property or who may not qualify for traditional loans. By understanding the process of securing funding from hard money lenders and following the tips outlined in this guide, you’ll be better equipped to secure the funding you need to start your real estate project.