Loan amount
Loan-to-value (LTV)
Required credit score
Required deal experience
1 deal
As low as 10% for fix and flip loans.
As low as 8% for rental loans.
As low as 11% for new construction loans.
During negotiation of the loan and before closing, borrowers are assessed a non-refundable application deposit of $1000. This fee is paid after all terms are agreed upon and the loan is approved. As part of the process, borrowers will also pay for an appraisal of the property at a cost of $550. This fee is paid directly to a pre-selected appraisal firm. In addition to the closing points, there are also limited fees for underwriting, document preparation, and services. Borrowers should keep in mind that we require a Builder’s Risk insurance policy to be in effect during the life of the project. The fees for this policy will vary. In addition, throughout the life of the project, NavCap assesses a fee for each inspection/draw request for a single-family unit or a condo and up to $1000 per inspection/draw for multi-family properties. We recommend limiting draws to three or fewer per project to reduce the expense incurred.
1910 Towne Centre Ste 250, Annapolis, MD 21401
Navigator Private Capital, LLC (NavCap) believes in the power of capital investment to transform neighborhoods and improve lives. We fund short- and long-term low-risk development projects in a growing number of states throughout the United States. We offer fix and flip, rental/DSCR, bridge, and new construction financing. NavCap meets a critical need not satisfied by traditional commercial investment vehicles. By extending asset-backed, low-risk loans to renovation and rental experts throughout the area, we capitalize on the inefficiencies and gaps in the commercial real estate lending industry, extending credit where and when it is most needed. By offering flexible terms with competitive rates, we create value for our clients and consider each new project a true partnership.
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