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Navigator Private Capital

Navigator Private Capital is a private commercial real estate lender headquartered in Annapolis, Maryland, providing nationwide financing for real estate investors. The company specializes in fix-and-flip, bridge, rental (DSCR), multifamily, and new construction loans, with flexible underwriting for investors of varying experience levels

Common Loan Scenarios
  • Purchase & Refi Bridge Loans
  • Fix & Flip, Fix & Hold
  • Long-Term Rental (DSCR)
  • Ground-Up Construction Loans
Scenarios Not Considered
  • NO 100% Financing
  • NO Owner-Occupied Properties
  • NO Credit Scores Under 600
  • NO Rural Areas
  • NO Raw Land Loans

Details and Requirements

Property Geographic Area Details

All states except AK, AZ, CA, HI, MN, MT, ND, NV, NY, OR, SD, UT, WA

Loan Amounts

$75,000 to $3,000,000

Interest Rates

10% to 12%

Origination Fees

1.5% to 4.5%

Loan Terms

6 to 12 months

Lien Position

1st

Credit Check Required

yes

Minimum Credit Score Required

600

Prepayment Penalty

no

Typical Closing Time (Days)

15

Fastest Closing Time (Days)

5

Payment Structure
  • Interest Only
Personal Guaranty (Recourse) Required
Always
Borrower Entity Types Considered
  • LLC
  • Limited Partnership
  • Corporation
Documentation Required
  • Credit Report
  • Bank Statements
  • Financial Statements
  • Loan Application
Appraisal Required for Residential Property

Always Before Funding

Appraisal Required for Commercial Property

Always Before Funding

Broker Price Opinion (BPO) Accepted for Residential Property

Never

Broker Price Opinion (BPO) Accepted for Commercial Property

Never

Will Consider Collateralizing Multiple Properties in One Loan

no

Will lend to a foreign national

no

Will Allow Junior Position Mortgage(s) Behind Our Senior Mortgage

no

Will Consider Equity Joint Venture

no

Collateral Types
  • Residential Property
  • Commercial Property
Loan Purpose
  • Investment Acquisition
  • Improve Subject Property
Property Occupancy
  • Vacant
  • Tenant Occupied 100%

Last updated: September 29, 2026

Navigator Private Capital’s Lending Activity
Data Provided By Elementix
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12mo Loan Volume

$54,771,344

12mo Loan Count

102

Total Loan Volume

$435,430,374

Average Loan Size

$398,746

Loan Count by State (Past 12 Months)
MD: 47, DC: 13, TX: 5, VA: 14, NC: 9, FL: 8, SC: 2, GA: 2, NJ: 1, TN: 1
Data provided by Elementix | Disclaimer

Company Quick Facts

  • Year Established: 2016
  • Headquarters: Annapolis, Maryland
  • Founding Members: Timothy Boord and Richard (Rick) Rall
  • Company Type: Private commercial real estate lender
  • Loan Types: Fix & Flip Loans, Bridge Loans, DSCR Rental Loans, Multifamily Loans, New Construction Loans
  • Property Types: Single-family, Multifamily (5+ units), Rental Properties, New Construction Projects
  • Primary Customers: Real estate investors, rehabbers, rental property investors, developers
  • Geographic Focus: Nationwide, with lending available in most U.S. states (state exclusions apply)
  • Capital Sources: Private investment capital from funding participants investing through secured promissory notes
  • Loan Structure: Direct private lending using its own underwriting and negotiated loan terms
  • Minimum Credit Score: Typically 600+
  • Typical Closing Time: Approximately 12–15 days after loan approval; expedited closings may be available once documentation is complete

Office Locations

Navigator Private Capital Headquarters
1910 Towne Centre Blvd , Annapolis, Maryland 21401

Connect with Navigator Private Capital:

Our Team

Tim Boord

Director of Operations

Rick Rall

Director of Sales and Marketing

Info Our minimum loan amount is $75,000

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