Harpoon Capital (@HarpoonCapital) / X

Harpoon Capital

274 posts

Harpoon Capital

@HarpoonCapital

America's Best DSCR Lender, helping navigate your voyage to financial freedom. Get FREE e-book, Apply Now 👇👇👇 harpooncapital.com/contact

United States

Joined February 2026

Harpoon Capital
@HarpoonCapital
5h
🤔How Can I Improve My DSCR to Qualify if It’s Too Low? (On a DSCR Loan) ➡️The most effective way to improve your DSCR is by lowering the Loan-to-Value (LTV). A lower LTV means a smaller loan amount, which reduces your monthly mortgage payment, the denominator in the DSCR
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Harpoon Capital
@HarpoonCapital
5h
🤔My DSCR lender says BK/FC/SS/DIL must be 4 years. What does that mean? ➡️This means you must be at least 4 years past major credit events to qualify. Here’s what each abbreviation stands for: BK = Bankruptcy, FC = Foreclosure, SS = Short Sale, DIL = Deed in Lieu of Foreclosure.
Harpoon Capital
@HarpoonCapital
Jul 28
🤔How Much Higher is the Interest Rate on a DSCR Cash-Out Refinance vs. a Rate-and-Term Refinance? ➡️DSCR Cash-Out Refinance loans typically have interest rates 0.125% to 0.25% higher than Rate-and-Term refinances, along with a maximum LTV reduction of around 5%. This difference
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Harpoon Capital
@HarpoonCapital
Jul 28
🤔How Can I Improve My DSCR to Qualify if It’s Too Low? (On a DSCR Loan) ➡️The most effective way to improve your DSCR is by lowering the Loan-to-Value (LTV). A lower LTV means a smaller loan amount, which reduces your monthly mortgage payment, the denominator in the DSCR
Harpoon Capital
@HarpoonCapital
Jul 27
🤔What is the Minimum DSCR Required to Qualify for a DSCR Loan? (Can I Get a Loan with a DSCR Below 1?) ➡️DSCR Lender minimums vary, many require at least 1.00x, meaning property income exactly covers PITIA. However, some lenders allow DSCRs as low as 0.75x or even set no minimum
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