Harpoon Capital Rolls out DSCR Loan Program!
Harpoon Capital Rolls Out Game-Changing DSCR Loan Program!
AUSTIN, Texas – March 30, 2026 – Harpoon Capital, the leading resource for information and guidance for investor finance, is thrilled to announce the official rollout of its highly anticipated DSCR Loan Program. Tailored specifically for modern real estate investors, DSCR Loans are a game-changer for non-institutional residential real estate investors, whether building nest eggs with a couple rental properties or generating large-scale short-term rental portfolios.
With access to leading capital partners across the DSCR lending world, Harpoon Capital can offer investors the widest range of options available, including “stretch scenarios” such as AirBnBRRRR projects to rural rentals across far-flung markets. Whether you are looking for the lowest possible rate and fees, or just need a financing option for a big opportunity, Harpoon Capital is the lending partner for you!
Unbeatable Program Terms Built for Investors
Modeled to lead the industry in flexibility and speed, our newly launched DSCR Loan program offers ultra-competitive terms designed to help you maximize your return on investment. The below offers the general wide-range of options available for many investor scenarios, with exceptions potentially available upon request!
- Minimum Loan Amount: $50,000
- Maximum Loan Amount: $3,500,000
- DSCR Loan Rates Starting At (Rate Floor): 5.875%
- Maximum LTV (Loan-to-Value Ratios)
- Acquisitions: 85.0% (Only 15% Down Payments)
- Rate-Term Refinances: 80.0%
- Cash-Out Refinances: 80.0%
- Minimum FICO (Qualifying Credit Scores): 620
- Minimum DSCR Ratio: None (Including DSCR <0.75x)
- Liquid Asset DSCR Enhancers Available!
- Units: Up to 8 Units
- Wide-Ranging Eligibility:
- 1st Time Investors
- Permanent / Non-Permanent Resident Aliens
- LLCs, Corporations, Partnerships, Trusts
- Loan Structure Flexibility:
- 30-Year Fixed Rate Terms or 5/6 Hybrid (Fixed To ARM)
- Partial-IO Available (Interest-Only First 10 Years of Term)
- Prepayment Penalties from 5%/5 Years to Freely Prepayable
- Zero Income Verification: No tax returns, no personal income evaluation, and absolutely no DTI requirements ever.
The Ultimate Resource: Our Comprehensive DSCR Loan Guide
To pair with the rollout of this industry-leading loan program, Harpoon Capital is also releasing our fully comprehensive and game-changing DSCR Loan Guide. Whether you are looking to execute the BRRRR strategy, unlock trapped equity via a cash-out refinance, or scale your Airbnb empire, this guide breaks down everything you need to know to leverage DSCR debt effectively.
📖 Read the ultimate guide here: https://harpooncapital.com/dscr-loans-guide
Ready to Scale Your Portfolio?
Our streamlined, light-documentation process allows investors to get pre-approved within hours and close in a fraction of the time of traditional banks. Stop letting paperwork hold you back from your next great deal.
🚀 Apply for your DSCR Loan today: https://apply.harpooncapital.com/
Just Browsing? Let’s Connect!
If you are currently evaluating your options, have questions about our new program, or want to claim our Free E-Book offer, our dedicated team of real estate financing experts is standing by.
📞 Reach out to us via our Contact Form: https://harpooncapital.com/contact