Mortgages By Us

TL;DR: Investment property mortgages require 15-25% down payments, 620-740 credit scores, and 6-12 months cash reserves—stricter than primary residence loans. According to, rates run 0.50-0.75% higher (7.00-7.75% in early 2026). Local lenders, credit unions, and specialized brokers like Mortgages By Us offer portfolio options beyond conventional limits. Rental income typically counts at 75% of gross … Read more

TL;DR: Delaware DSCR lenders offer rental property financing from 5.75%–8.25% with no personal income verification required. Rates vary by DSCR ratio (1.0–1.25 minimum), credit score (660+ preferred), and property location—with New Castle County commanding the most competitive terms. Expect 15–35 day closings, 20%–30% down payments, and Delaware-specific costs including mandatory attorney fees ($800–$1,500) and transfer … Read more