Demystifying Residential Real Estate Finance

Harpoon Capital offers straightforward educational content on residential mortgages — with an emphasis on what matters most in the real world. Whether you're comparing financing options or just trying to understand how it all works, we help make the process clearer.

Who We Are

Harpoon Capital is currently a mortgage brokerage focusing on business-purpose loans only, with an emphasis on "DSCR Loans" -- the emerging top financing tool for residential real estate investors, from single family rentals, to small multifamily properties to short term rentals (i.e. airbnbs). Whether you are a real estate investing whale with 50+ properties or a relative minnow just starting out, our information is here to help you navigate the voyage to financial freedom through real estate investing.

Latest Insights

Downtown Spokane, Washington at evening from Riverfront ParkDowntown Spokane, Washington at evening from Riverfront Park

Top 6 Washington Markets for Real Estate Investors in 2027

A data-backed breakdown of six Washington markets for 2027 investors: Spokane, Tacoma/Olympia, Seattle, Longview, Walla Walla, and Mount Rainier (Ashford).

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Clock tower building lit at night in Iowa City, IowaClock tower building lit at night in Iowa City, Iowa

Top 6 Iowa Markets for Real Estate Investors in 2027

A data-backed breakdown of six Iowa markets for 2027 investors: Iowa City, Des Moines, Sioux City, Davenport, Cedar Rapids, and Ames.

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Maryland State House in Annapolis, Maryland at ChristmastimeMaryland State House in Annapolis, Maryland at Christmastime

Top 6 Maryland Markets for Real Estate Investors in 2027

A data-backed breakdown of six Maryland markets for 2027 investors: Annapolis, Columbia, Hagerstown, Frederick, Salisbury, and Ocean City.

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Aerial view of the Portland, Maine waterfront and marina at sunriseAerial view of the Portland, Maine waterfront and marina at sunrise

Top 6 Maine Markets for Real Estate Investors in 2027

A data-backed breakdown of six Maine markets for 2027 investors: Portland, Bangor, Augusta, Lewiston, Old Orchard Beach, and Bar Harbor.

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Boston, Massachusetts skyline at duskBoston, Massachusetts skyline at dusk

Top 6 Massachusetts Markets for Real Estate Investors in 2027

A data-backed breakdown of six Massachusetts markets for 2027 investors: Boston, Worcester, Springfield, Cambridge, Pittsfield, and Cape Cod (Barnstable Town).

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Historic downtown building with rooftop water tower in Monroe, LouisianaHistoric downtown building with rooftop water tower in Monroe, Louisiana

Top 6 Louisiana Markets for Real Estate Investors in 2027

A data-backed breakdown of six Louisiana markets for 2027 investors: Monroe, New Orleans, Baton Rouge, Shreveport, Hammond, and Lake Charles.

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Downtown Providence, Rhode Island skyline from Prospect Terrace ParkDowntown Providence, Rhode Island skyline from Prospect Terrace Park

Top 6 Rhode Island Markets for Real Estate Investors in 2027

A data-backed breakdown of six Rhode Island markets for 2027 investors: Providence, Pawtucket, Cranston, South Kingstown, Warwick, and Block Island.

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Tree-lined lake at The Grove near Pine Bluff, ArkansasTree-lined lake at The Grove near Pine Bluff, Arkansas

Top 6 Arkansas Markets for Real Estate Investors in 2027

A data-backed breakdown of six Arkansas markets for 2027 investors: Pine Bluff, Springdale, Bentonville, Conway, Fayetteville, and Hot Springs.

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Sunset over downtown Louisville, Kentucky from the Ohio RiverSunset over downtown Louisville, Kentucky from the Ohio River

Top 6 Kentucky Markets for Real Estate Investors in 2027

A data-backed breakdown of six Kentucky markets for 2027 investors: Louisville, Bowling Green, Lexington, Owensboro, Frankfort, and Bardstown.

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Downtown Columbus, Ohio skyline seen from the Main Street Bridge over the Scioto RiverDowntown Columbus, Ohio skyline seen from the Main Street Bridge over the Scioto River

Top 6 Ohio Markets for Real Estate Investors in 2027

A data-backed breakdown of six Ohio markets for 2027 investors: Columbus, Cincinnati, Canton, Dayton, Cleveland, and Hocking Hills.

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Soldiers' and Sailors' Monument on Monument Circle with the downtown Indianapolis, Indiana skylineSoldiers' and Sailors' Monument on Monument Circle with the downtown Indianapolis, Indiana skyline

Top 6 Indiana Markets for Real Estate Investors in 2027

A data-backed breakdown of six Indiana markets for 2027 investors: Indianapolis, Fort Wayne, Bloomington, Michigan City, Terre Haute, and South Bend.

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Street view toward the downtown Tulsa, Oklahoma skylineStreet view toward the downtown Tulsa, Oklahoma skyline

Top 6 Oklahoma Markets for Real Estate Investors in 2027

A data-backed breakdown of six Oklahoma markets for 2027 investors: Tulsa, Oklahoma City, Norman, Lawton, Enid, and Broken Bow.

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Top 6 North Carolina Markets for Real Estate Investors in 2027

A data-backed breakdown of six North Carolina markets for 2027 investors. Raleigh/Durham, Charlotte, Asheville, the Outer Banks, Pinehurst, and Oak Island, each suited to a different strategy.

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Top 6 Florida Markets for Real Estate Investors in 2027

A data-backed breakdown of six Florida markets for 2027 investors: Panama City Beach, Jacksonville, Tampa, Cocoa Beach, Kissimmee, and the Florida Keys, each suited to a different strategy.

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Top 6 Tennessee Markets for Real Estate Investors in 2027

A data-backed breakdown of six Tennessee markets for 2027 investors: Nashville, Clarksville, Chattanooga, Knoxville, Memphis, and the Smoky Mountains, each suited to a different strategy.

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Top 6 Alabama Markets for Real Estate Investors in 2027

A data-backed breakdown of six Alabama markets for 2027 investors: Huntsville, Tuscaloosa, Birmingham, Montgomery, Dothan, and Gulf Shores, each suited to a different strategy.

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Top 6 Missouri Markets for Real Estate Investors in 2027

A data-backed breakdown of six Missouri markets for 2027 investors: Kansas City, Springfield, Branson, Columbia, Cape Girardeau, and Lake Ozark, each suited to a different strategy.

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Top 6 Pennsylvania Markets for Real Estate Investors in 2027

A data-backed breakdown of six Pennsylvania markets for 2027 investors: Pittsburgh, Lancaster, East Stroudsburg, Allentown, Philadelphia, and the Poconos, each suited to a different strategy.

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Top 6 South Carolina Markets for Real Estate Investors in 2027

A data-backed breakdown of six South Carolina markets for 2027 investors: Greenville, Columbia, Charleston, Sumter, Myrtle Beach, and Hilton Head Island, each suited to a different strategy.

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Top 6 Texas Markets for Real Estate Investors in 2027

A data-backed breakdown of six Texas markets for 2027 investors: Abilene, Austin, Dallas-Fort Worth, Houston, Temple-Killeen, and Galveston, each suited to a different strategy.

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Top 6 Virginia Markets for Real Estate Investors in 2027

A data-backed breakdown of six Virginia markets for 2027 investors: Richmond, Norfolk/Virginia Beach, Alexandria, Charlottesville, Roanoke, and the Shenandoah Valley, each suited to a different strategy.

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Top 6 Markets in Georgia for Real Estate Investors in 2026

A data-backed breakdown of six Georgia markets for 2026 investors. Atlanta, Marietta, Savannah, Athens, Macon, and Morganton, each suited to a different strategy.

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Harpoon Capital Rolls Out Game-Changing DSCR Loan Program!

Scale your rental portfolio with Harpoon Capital's new DSCR Loans. No W-2s or tax returns required! Get rates from 6.500% and up to 85% LTV. Learn more.

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2026 Prepayment Penalty Updates for DSCR Loans

DSCR Loans are mortgage loans secured by residential real estate turnkey properties strictly used for a business purpose and underwritten primarily based on the property

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