DSCR Loans by Harpoon Capital: Orca Series

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DSCR Loans by Harpoon Capital: Orca Series

https://harpooncapital.com/contact
Robin SimonBusiness Member
Lender · Austin, TX · Member since 2022 · 5k+ posts · 4k+ votes
Our Orca Series DSCR Loan program is built for the creative and forward-thinking investor utilizing advanced strategies to maximize returns past the traditional cookie-cutter single family rental. With DSCR Loans built for emerging strategies, the Orca program is both BRRRR-friendly (with no restrictions on cash-out refinances after just three months seasoning) and STR purchase perfect (qualify revenue on acquisitions of short term rentals with 100% -- no haircut -- of AirDNA Projections, Appraisal STR Projections or even the Seller's financials). Beyond friendly underwriting on STRs, the Orca Series program has LTR-friendly qualification rules too, allowing up to 120% of market rent (if rented above-market) or up to 120% of in-place rent (if rented below-market) and allows for vacant refinances with no rental income haircuts or limits on vacant units (1-4 unit residential). Additional specialties including allowing down payments to include 100% of Gift Funds and 5-9 Unit Multifamily DSCR Loans with a lowest-available minimum $100,000 loan amount!
  • 🔄 True BRRRR Friendly: Cash-out refis available after just >3 months of seasoning. Vacant property refis are fair game, with zero haircuts on your leverage or market rents.
  • 🏖️ STR Purchase Friendly: Get up to 80% LTV (no haircut) qualified using 100% of AirDNA, STR-Appraisal rents, or the Seller's actuals.
  • 📈 Maximized LTR Rents: Underwriting uses the higher of the two—qualify with up to 120% of market rent (if rented above market) OR 120% of in-place rent (if rented below market).
  • 🚪 Vacant Refis Welcome: Got a 1–4 unit sitting 100% empty? You can still get a cash-out refi underwritten to 100% of market rent.
  • 🎁 100% Gift Funds Allowed: Put $0 of your own cash into the down payment if you don't want to; zero personal contribution required.
  • 🏢 Micro-Multifamily DSCR: 5–9 unit properties with loan minimums as low as $100k (crushing the standard $400k+ minimums most DSCR lenders force on you).

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

    Get FREE e-Book: 10 Obstacles for DSCR Loans and How to Overcome Them!
    https://harpooncapital.com/contact

    Apply for a DSCR Loan: Web App

    https://apply.harpooncapital.com/

    Get "The Book on DSCR Loans" on Amazon! Short-Term $2.99 Kindle Sale
    https://www.amazon.com/Book-DSCR-Loans-Investors-Professiona...

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