About Our Loan Programs

Do you offer residential loans?

Navigator Private Capital makes short- and long-term commercial loans to business entities and is not a residential mortgage lender. 

Do you offer 100% financing? 

Yes, we do! We will extend financing to cover the purchase price of the property plus the estimated repair costs as long as the loan to value (LTV) ratio does not exceed 70 percent. The loan to value ratio is calculated by dividing the total loan amount by the estimated after repair value (ARV) of the property. Borrowers are encouraged to consult a licensed real estate agent or broker who will perform a comparative market analysis to determine the ARV. 

How are you different from hard money lenders? 

The primary difference between hard money lenders and private lenders like NavCap is negotiability. Hard money lenders usually have set criteria that borrowers must meet as far as asset value and equity are concerned. Private lenders, often smaller and more nimble than their hard money peers, have more leeway for negotiating terms and rates. While hard money lenders can be somewhat hard nosed when it comes to payments and maximizing their return on investment, private lenders such as NavCap focus more on growing long-term, symbiotic relationships. As far as we are concerned, a successful flip means a happy borrower which leads to more profitable deals down the road. We work hard to establish mutually beneficial business relationships and are committed to the profitability and success of our partners. 

Where do you lend? 

Currently, we fund short-term, low-risk renovation projects and long-term rental projects throughout underserved communities in the Washington DC and DelMarVa regions as well as Florida, Minnesota, New Jersey, and Wisconsin. By doing so, NavCap is proud to meet a critical need not satisfied by traditional commercial investment vehicles. We believe in the power of capital investment to transform neighborhoods and improve lives. 

How are your Broker and Referral Programs different?

Our success is driven directly by the success of our clients. Plain and simple. By providing the flexible, short-term financing that our borrowers need and want, we fill a void left by traditional lenders. That said, we are always on the lookout for solid new deals and have two programs to help spread the word. 

Broker Program

For mortgage professionals with fix and flip or buy and hold clients in search of financing, our Broker program is the perfect vehicle to connect the dots. After registering on our website, approved Brokers will assist their clients throughout the loan application process—following the loan all the way through to closing. After ensuring the deal’s viability, NavCap will do everything in its power to bring about a positive outcome for all involved. Once the deal closes, you will earn up to 2% (points) right on the settlement sheet at closing. 

Referral Program

Maybe you are not a Broker but have contacts in the market for short-term renovation or long-term rental financing. Take advantage of our Referral Program and earn some cash. All you have to do is pass along your contact’s information on our website, and you’ll earn a one-time $1,000 referral fee when their loan (or loans) closes. No fuss. No muss.  

Who is eligible to join our Referral program? Well, virtually anyone but especially:

Real Estate Agents

Mortgage Professionals

Attorneys

Appraisers

Contractors

Wholesalers

Title Agents

Flippers