Harpoon Capital for Wyoming 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.
Wyoming context
Wyoming no state income tax. Jackson Hole ultra-premium STR. Strong LLC privacy.
How Harpoon Capital positions in Wyoming
Wyoming 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 Wyoming
Harpoon Capital provides DSCR coverage across Wyoming metros including Cheyenne, Casper, and Jackson. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Harpoon Capital program terms apply uniformly across Wyoming 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 |
| Wyoming property tax | 0.6% |
| Wyoming state income tax | None |
Harpoon Capital strengths in Wyoming
- 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 Wyoming coverage. Harpoon Capital is based in an undisclosed location and operates in states not publicly disclosed.
Cheyenne is the top investor market in Wyoming and is generally within Harpoon Capital states not publicly disclosed footprint. Cheyenne property tax follows the Wyoming state rate of 0.6 percent. Harpoon Capital typically underwrites Cheyenne acquisitions at standard rate sheets.
Yes. Casper ranks among the larger Wyoming investor metros and sees consistent DSCR loan volume from Harpoon Capital. Submarket variation within Casper matters for property selection.
Harpoon Capital applies the same rate sheet across Wyoming metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Cheyenne, Casper, and Jackson 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.
Wyoming no state income tax. Jackson Hole ultra-premium STR. Strong LLC privacy. Harpoon Capital follows standard business-purpose loan structures.
Harpoon Capital funds rental DSCR in Wyoming.
Wyoming 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 Wyoming 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.