Harpoon Capital for Nevada 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.
Nevada context
Nevada no state income tax. Las Vegas STR active but regulated. Nevada strong LLC privacy.
How Harpoon Capital positions in Nevada
The Nevada lender pool for DSCR includes Harpoon Capital among the active platforms. Nevada top metros (Las Vegas, Reno, Henderson) see meaningful Harpoon Capital loan volume.
City-level coverage in Nevada
Harpoon Capital provides DSCR coverage across Nevada metros including Las Vegas, Reno, and Henderson. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Harpoon Capital program terms apply uniformly across Nevada 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 |
| Nevada property tax | 0.6% |
| Nevada state income tax | None |
Harpoon Capital strengths in Nevada
- 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 Nevada coverage. Harpoon Capital is based in an undisclosed location and operates in states not publicly disclosed.
Las Vegas is the top investor market in Nevada and is generally within Harpoon Capital states not publicly disclosed footprint. Las Vegas property tax follows the Nevada state rate of 0.6 percent. Harpoon Capital typically underwrites Las Vegas acquisitions at standard rate sheets.
Yes. Reno ranks among the larger Nevada investor metros and sees consistent DSCR loan volume from Harpoon Capital. Submarket variation within Reno matters for property selection.
Harpoon Capital applies the same rate sheet across Nevada metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Las Vegas, Reno, and Henderson 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.
Nevada no state income tax. Las Vegas STR active but regulated. Nevada strong LLC privacy. Harpoon Capital follows standard business-purpose loan structures.
Harpoon Capital funds rental DSCR in Nevada.
Nevada 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 Nevada 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.