These are underwriting minimums, not a pre-approval. See the full Harpoon Capital profile or compare requirements across the full lender directory.
Harpoon Capital qualification minimums
| Minimum credit score | 620 |
|---|---|
| Maximum LTV | 85% |
| Maximum LTC | 85% |
| Minimum loan size | $50K |
| Maximum loan size | $3.5M |
| Origination channel | Broker only |
What these minimums mean for a borrower
A minimum credit score is a floor, not a pricing tier — clearing 620 makes a file eligible for review, but the best pricing generally goes to borrowers well above the floor.
Maximum LTV of 85% sets the ceiling on leverage: the loan can't exceed that share of the property's value, so the borrower's down payment (or equity, on a refinance) has to make up the rest.
What Harpoon Capital doesn't publish
- Minimum DSCR — not publicly published.
- Entity/LLC vesting requirement — not publicly published.
- Exact state count — not publicly published; stated coverage area is states not publicly disclosed.
Harpoon Capital Requirements FAQ
Harpoon Capital's published minimum credit score is 620. This is a floor, not a guarantee of approval or of the best pricing.
Harpoon Capital does not publish a minimum DSCR figure. Confirm current coverage-ratio requirements directly.
Harpoon Capital's published maximum LTV is 85%, with a maximum LTC of 85%.
Harpoon Capital does not publish an LLC/entity-vesting requirement. Confirm directly before you set up your closing entity.
Harpoon Capital does not publish a specific state count. Its stated coverage area is states not publicly disclosed; confirm your state directly before applying.
Harpoon Capital originates through the broker only channel, with loan sizes from $50K to $3.5M.
This review is an independent directory listing. DSCR Loan Program is not affiliated with Harpoon Capital, receives no payment for placement, and does not rank lenders in exchange for compensation. Rates, terms, and eligibility are determined by the lender and subject to change. Always verify current pricing directly with the lender before relying on any specifics.