Direct Lender for Residential Property Investors

Navigator Private Capital, LLC (NavCap) believes in the power of capital investment to transform neighborhoods and improve lives. We fund short-term, low-risk development projects in underserved communities across the country. We have established strong working relationships with realtors, mortgage professionals and tradesmen across the regions and welcome new relationships. If you are a real estate investor looking to fund your next project or if you are interested in participating in our loan program as a capital investor, we would love to hear from you.

  • Rates start at 6.99% for fix and flip financing
  • Rates start at 6% for rental loans
  • Rates start at 6.99% for new construction
  • Rates start at 6.99% for bridge loans
  • Minimum 600 Credit Score

Please Note: We do NOT offer loans for owner-occupied homes.

Property Geographic Area Details
All states except AK, AZ, CA, MN, ND, NV, NY, OR, SD, UT, WA
Loan Amounts
$75,000 to $3,000,000
Interest Rates
6.99% to 12.00%
Loan Terms
6 months to 24 months
Origination Fees
1.5% to 4.5%
Lien Position
1st
Collateral Types
  • Residential Property
  • Commercial Property
Loan Purpose
  • Investment Acquisition
  • Improve Subject Property
Property Occupancy
  • Vacant
  • Tenant Occupied 100%

Maximum Leverage

Refinance Short-Term (no Cash Out)
Max LTV 1st Lien Residential: 80%
Max LTV 1st Lien Multifamily: 80%
Max LTV 1st Lien Land: 80%
Refinance & Cash Out Short-Term
Max LTV 1st Lien Residential: 80%
Max LTV 1st Lien Multifamily: 75%
Max LTV 1st Lien Land: 80%
Refinance Long-Term
Max LTV Residential: 80%
Max LTV Multifamily: 80%
Max LTP Commercial: 80%
Residential Fix & Flip
Max LTC: 90%
Max LTARV: 80%
Residential Rehab & Hold
Max LTC: 90%
Max LTARV: 80%
Multifamily Value-Add
Max LTC: 90%
Max LTARV: 80%
Residential Construction
Max LTC: 90%
Multifamily Construction
Max LTC: 90%

FIX AND FLIP (RENOVATION) LOAN MATRIX

  • Geography: All states except AK, AZ, CA, MN, ND, NV, NY, OR, SD, UT and WA
  • Loan Purpose: Residential Rehab for SFU (Single-Family Unit 1-4) and MFU (Multi-Family Unit 5+)
  • Loan Amount: $75K +
  • Loan Process: Paperless, automated and online
  • Assets: Sufficient to make downpayment, self-fund first phase of project, and start making loan payments.
  • PrePayment Penalty: None
  • Terms: 6 to 24 months
  • Loan To Cost: Up to 90% of purchase and 100% on repairs
  • Max Loan To Value: Up to 80% of After Repair Value
  • Rates Starting at 6.99% APR Interest Only
  • Determination of Value: Appraisal ordered by NavCap using approved Appraisal Management Company (AMC)
  • Borrower Loans are made to business entities (e.g., LLC, Corps, etc.) only — not individuals
  • Credit: No foreclosures in last four years, no open tax liens, and no bankruptcies discharged in the last two years.
  • Credit Score: Generally 600 or higher
  • Occupancy: Must be vacant
  • Income: Not required
  • Rehab Must be performed by a licensed contractor
  • Repair money reimbursed to borrow in phases after work is completed
  • MFU After Repair Value (ARV): Minimum of $75K or $100K (e.g. larger cities) per unit for multi-family properties
  • MFU Feasibility Study Required prior to closing for multi-family properties only
  • MFU Survey ALTA survey required on loans greater than or equal to $3M for multi-family properties only

NEW CONSTRUCTION LOAN MATRIX

  • Geography: All states except AK, AZ, CA, MN, ND, NV, NY, OR, SD, UT and WA
  • Loan Purpose: Residential Investment
  • Loan Amount: $100K +
  • Loan Process: Paperless, automated and online
  • PrePayment Penalty: None
  • Terms: Up to 24 months
  • Loan To Cost: Up to 90% of actual cost
  • Rates Starting at 6.99%. The more money down the lower the rate.
  • Determination of Value: Appraisal ordered by NavCap using approved Appraisal Management Company (AMC)
  • Borrower Loans are made to business entities (e.g., LLC, Corps, etc.) only — not individuals
  • Credit Score: Generally 600 or higher
  • Experience: 2+ exits within the last 3 years
  • Credit: No foreclosures in last four years, no open tax liens, and no bankruptcies discharged in the last two years.
  • Occupancy: Non-owner occupied
  • Income Not required
  • Environmental Feasibility and Environmental Impact studies required
  • Structural Architectural plans and building permits in hand. No raw land.

RENTAL PROPERTY LOAN MATRIX

  • Geography: All states except AK, AZ, CA, MN, ND, NV, NY, OR, SD, UT and WA
  • Loan Purpose: Purchase, Rate-Term Refinance, Cash-Out Refinance
  • Loan Amount Range: $75K – $2M
  • Property Type: Residential 1-4 unit, Multi-family 5+ unit
  • Term: 30 year fixed OR 5, 7, 10-year ARMS (not available in all states)
    • Interest only for initial fixed period then amortized over life of loan
  • Credit Score: 600 minimum
  • Max Loan To Value: 80% (except multi-family cash-out refinance to 75%)
  • Rates As low as 6%
  • Asset Verification: Source of funds required
  • Prepayment Penalty: varies with options from zero to five years

BRIDGE LOAN MATRIX

  • Geography: All states except AK, AZ, CA, MN, ND, NV, NY, OR, SD, UT and WA
  • Loan Amount: $75K+
  • Loan Process: Paperless, automated and online
  • PrePayment Penalty: None
  • Terms: 6 month to 24 months
  • Loan To Value: Up to 80% of As Is Value
  • Rates Starting at 6.99% APR I/O
  • Determination of Value: Appraisal ordered by NavCap using approved Appraisal Management Company (AMC)
  • Borrower Loans are made to business entities (e.g., LLC, Corps, etc.) only — not individuals
  • Credit Score: Generally 600 or higher
  • Credit: No foreclosures, no open tax liens, bankruptcies at least two years discharged
  • Income Not required

Property Types

  • 2-4 Units Residential
  • Condominium
  • Multifamily
  • Single Family Residence

Loan Types

  • Private Money
  • Hard Money
  • Residential Bridge
  • Residential Fix and Flip
  • Residential Rehab and Rent
  • Residential Ground-Up Construction
  • Residential Long-Term Rental

Max Loan-to-Purchase Price

80%

Borrower Must Have Property Under Contract

no

Will Provide Proof of Funds Letter

yes

Will Consider Lending on Purchase from Auction

yes

Allowed Source of Borrower’s Equity

  • Own Cash
  • Partner
  • Crowdfunding
  • Family

Experience Required

no

Minimum Number of Value-Add Projects Completed by Borrower

0

Will Provide Funds for Renovation Costs

yes

Max LTC for Renovation Costs

100%

Interest Charged for Renovation Costs

Only on Funds Drawn

Typical Number of Days for Funds Draw

3

Maximum After Repair Value

80.00%

Minimum Loan Amount

$75,000

Maximum Loan Amount

$2,000,000

Minimum Interest Rate

6%

Minimum Loan Term

60 months

Maximum Loan Term

3600 months

Minimum Debt Service Coverage Ratio

1.00

Will Lend on a Portfolio of Rentals

Yes

Minimum Number of Properties

2

Minimum Property Value

$75,000

Maximum Property Value

$2,000,000

Documents Fee

$495

Credit Report Fee

$25

Extension Fee

1 point

Appraisal Fee

$550

Renovation Construction Draw Fee

$250

Fees which are mandatory for all new borrower clients

  • Underwriting Fee
  • Documents Fee
  • Appraisal Fee
  • Credit Report Fee

Fees which are paid to a third party company

  • Credit Report Fee

Details and Requirements

Typical Closing Time (Days)

15

Fastest Closing Time (Days)

5

Payment Structure
  • Interest Only
Pre Payment Penalty

no

Will lend to a foreign national

no

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

no

Will Consider Collateralizing Multiple Properties in One Loan

no

Will Consider Equity Joint Venture

no

Borrower Entity Types Considered
  • LLC
  • Limited Partnership
  • Corporation
Documentation Required
  • Credit Report
  • Bank Statements
  • Financial Statements
  • Loan Application
Personal Guaranty (Recourse) Required
Always
Credit Check Required

yes

Minimum Credit Score Required

600

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

Get In Touch

Navigator Private Capital pays us to be listed, so there is no fee to connect. Share your loan request, send a simple email, call, or visit their website.

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As a private real estate lender, Navigator Private Capital takes fix and flip, rental, bridge, and new construction financing to new heights. Much more than just a funding source, we are firmly committed to the long-term success of our borrowers and investors. By offering short- and long-term, asset backed loans with competitive rates and flexible terms, we fill a need not met by traditional lenders. We offer a strong value proposition to our clients, providing hands on support and guidance throughout the life of each project. We lend in underserved communities across the country.

Year Established

2016

Associations

  • American Association of Private Lenders
  • National Private Lenders Association

Office Locations

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

Primary Capital Source
  • Individual Investors
  • Bank Credit Line
Alternative Capital Sources
  • Other Private Lending Companies
  • Friends & Family
Loan Structure for Majority of Loans
  • One Investor One Loan
Total Number of Loans Funded to Date

650

Total Loan Volume Funded to Date

$169,660,748

Our Team

Tim Boord

Director of Operations

Rick Rall

Director of Sales and Marketing

Funded Deals

Get In Touch

Navigator Private Capital pays us to be listed, so there is no fee to connect. Share your loan request, send a simple email, call, or visit their website.

Stay Informed About Private Lending

Receive our monthly newsletters with valuable insights and industry updates
subscribe-illustration
Before You Contact Us

Our Minimum Loan Amount Is

$75,000

What We Do

  • Purchase & Refi Bridge Loans
  • Fix & Flip, Fix & Hold
  • Long-Term Rental (DSCR)
  • Ground-Up Construction Loans

Not Available

  • NO 100% Financing
  • NO Owner-Occupied Properties
  • NO Credit Scores Under 600
  • NO Rural Areas
  • NO Raw Land Loans

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