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.
Please note that we do not lend on owner-occupied homes.
Property Geographic Area Details
Loan Amounts
Interest Rates
Loan Terms
Origination Fees
Lien Position
Maximum Leverage
Refinance Short-Term (no Cash Out)
Refinance & Cash Out Short-Term
Refinance Long-Term
Residential Fix & Flip
Residential Rehab & Hold
Multifamily Value-Add
Residential Construction
Multifamily Construction
FIX AND FLIP (RENOVATION) LOAN MATRIX
- Geography: All states except AK, AZ, CA, HI, 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 12 months
- Loan To Cost: Up to 90% of purchase and 100% on repairs
- Max Loan To Value: Up to 75% of After Repair Value
- Rates Starting at 10% 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, HI, 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 12 months
- Loan To Cost: Up to 90% of actual cost
- Rates Starting at 10%. 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, HI, 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
- 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%
- Rates As low as 7%
- 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, HI, 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 12 months
- Loan To Value: Up to 80% of As Is Value
- Rates Starting at 10% 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
70%Borrower Must Have Property Under Contract
noWill Provide Proof of Funds Letter
yesWill Consider Lending on Purchase from Auction
yesAllowed Source of Borrower’s Equity
- Own Cash
- Partner
- Crowdfunding
- Family
Experience Required
noMinimum Number of Value-Add Projects Completed by Borrower
0Will Provide Funds for Renovation Costs
yesMax LTC for Renovation Costs
100%Interest Charged for Renovation Costs
Only on Funds DrawnTypical Number of Days for Funds Draw
3Maximum After Repair Value
70%Development Experience Required
yesMinimum Number of Ground-Up Construction Projects Completed by Borrower
2Max LTC for Ground-Up Construction Costs
85%Interest Charged for Construction Costs
Entire Amount of Total Project CostsWill Lend on Partially Completed Construction Projects
yesMinimum Loan Amount
$100,000Maximum Loan Amount
$2,000,000Minimum Loan Term
60 monthsMaximum Loan Term
3600 monthsMaximum Loan-To-Value
80%Minimum Debt Service Coverage Ratio
1.00Will Lend on a Portfolio of Properties
YesMinimum Number of Properties
2Minimum Property Value
$100,000Maximum Property Value
$2,000,000Underwriting Fee
$845
Documents Fee
$895
Credit Report Fee
$50
Extension Fee
1 point if under 120 days
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
Contact Navigator Private Capital
Stay Informed About Private Lending
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.
Associations
- American Association of Private Lenders
- National Private Lenders Association
Office Locations
Navigator Private Capital Headquarters1910 Towne Centre Blvd , Annapolis, Maryland 21401
Our Team
Tim Boord
Director of Operations
Rick Rall
Director of Sales and Marketing
Contact Navigator Private Capital
Stay Informed About Private Lending
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Create a Loan Request
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If you submit a loan request or email, it will be sent to the lender, and they will reply to you directly. A copy will be saved in our database. We will not share your information unless you ask us for recommendations.
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