Harpoon Capital for Georgia investors
Harpoon Capital is a broker-only private money lender with no stated minimum DSCR — it will consider deals below 0.75 DSCR. Minimum credit score is 620, with loan sizes from $50,000 to $3,500,000 and maximum 85% LTV. The company does not publish rate or state-coverage figures in the sources reviewed.
Georgia context
Georgia strong Sunbelt growth. Atlanta dominant DSCR market. Savannah historic district STR active. Strong investor-friendly state laws.
How Harpoon Capital positions in Georgia
Georgia is well covered by national DSCR lenders, with Harpoon Capital as one option. Where Harpoon Capital differentiates: No minimum DSCR requirement — approves deals below 0.75. Where it competes: rates not publicly published against peer programs.
City-level coverage in Georgia
Harpoon Capital provides DSCR coverage across Georgia metros including Atlanta, Savannah, and Augusta. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Harpoon Capital program terms apply uniformly across Georgia metros; the specific deal characteristics determine final pricing.
Terms and pricing
| Loan type | Private money |
|---|---|
| Products | rental DSCR |
| Loan size | $50K - $3.5M |
| Rates | Not publicly published |
| Points | Not publicly published |
| Max LTV | 85% of ARV |
| Term lengths | Not publicly published |
| Typical close time | Not publicly published |
| Georgia property tax | 1% |
| Georgia state income tax | 5.4% |
Harpoon Capital strengths in Georgia
- No minimum DSCR requirement — approves deals below 0.75
- Loan sizes from $50,000 to $3,500,000
- 620 minimum credit score
- Broker-only origination
Ideal borrower: Investor with a cash-flow-negative property (DSCR below 0.75) seeking a broker-originated private money lender with no DSCR floor.
FAQ
Likely; verify direct Georgia coverage. Harpoon Capital is based in an undisclosed location and operates in states not publicly disclosed.
Atlanta is the top investor market in Georgia and is generally within Harpoon Capital states not publicly disclosed footprint. Atlanta property tax follows the Georgia state rate of 1 percent. Harpoon Capital typically underwrites Atlanta acquisitions at standard rate sheets.
Yes. Savannah ranks among the larger Georgia investor metros and sees consistent DSCR loan volume from Harpoon Capital. Submarket variation within Savannah matters for property selection.
Harpoon Capital applies the same rate sheet across Georgia metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Atlanta, Savannah, and Augusta all qualify for the same Harpoon Capital program.
Harpoon Capital does not publish a rate sheet. Pricing is quoted per deal and depends on credit, leverage, coverage ratio and experience.
Georgia strong Sunbelt growth. Atlanta dominant DSCR market. Savannah historic district STR active. Strong investor-friendly state laws. Harpoon Capital follows standard business-purpose loan structures.
Harpoon Capital funds rental DSCR in Georgia.
Georgia allows standard DSCR prepay structures; Harpoon Capital typically uses 3-5 year step down.
Harpoon Capital typical close: Not publicly published.
Bottom line
Harpoon Capital in Georgia works for the right borrower-deal combination. Match the lender to your deal characteristics.
Independent directory listing. DSCR Loan Program is not affiliated with Harpoon Capital.