Our Minke Series DSCR Loan program is perfect for your bread-and-butter real estate investor focused

on long-term rentals, whether a first-timer or experienced veteran. Program highlights include the

lowest minimum loan amounts ($50,000) and property values ($75,000) in the market and with no

restrictions on first-time investors, perfect for the investor just getting started. The Minke Series

program is also perfect for savvy syndicators and investing teams in LLCs, with the requirement for

only one 20% owner of a borrowing entity to guarantee a loan and qualification on the highest

credit score of the investor group. Minke Series also allows prepayment penalties in many states

that are otherwise restricted, allowing deals to pencil here for long-time horizon buy-and-holders.

Finally, Minke Series by Harpoon Capital treats "Delayed Financing" with common sense rare in the

DSCR lending landscape, with refinances of cash purchases treated as rate-term rather than cash-out

(and the associated better terms and higher LTVs) for properties refinanced within 180 days.

No State Prepay Penalty Restrictions: No Prepayment Penalty Restrictions in ANY eligible state (including PA, MI, RI, NM, etc.) — full flexibility to sell or [refinance].

Lowest Loan Minimum on the Market: Only $50,000 on a Single-Property Loan — Lowest in Market.

No Guaranty Required For Large Owners: For Entity (i.e. LLC) Borrowers: Only 1 Guarantor Needed with at least 20% Ownership.

Best FICO Qualifies: For Entity (i.e. LLC) Borrowers with Multiple Owners; highest FICO used to qualify regardless of ownership %.

First-Time Investor Friendly: No Restrictions or higher rates for First-Time Investors — and first means "first" — no time limit on prior ownership.

Delayed Financing: 0–180 Day Refinances treated as Rate-Term Refinances if bought all cash (not restricted as a "Cash-Out").

More: ⬇️ ⬇️⬇️

Qualifying for a DSCR Loan: Borrower Requirements for Qualification
https://harpooncapital.com/dscr-loans-guide/qualifying-for-a...

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