Renovation Loan Program



Looking for funding for your next single family (1-4 unit) project? With its proven track record and local expertise, NavCap is well positioned to accelerate your success. WIth an automated loan process, approvals are quick and easy. And given our competitive rates for fix and flip loans, why shop around? We crunch the numbers and get the money into your hands sooner rather than later. 

Give us a call at 443.603.0193 or or sign up here for more information. 

GeographyAll States Except AK, CA, ND, NV, SD, UT and VT (unless loan >1M)
Loan PurposeResidential Rehab
Loan Amount Range$75K +
Loan ProcessPaperless, automated and online
AssetsSufficient to make downpayment, self-fund first phase of project, and start making loan payments. 
PrePayment PenaltyUp to 3 months
Terms6 to 24 months
Standard Loan85% loan to cost
Loan To Value MaxUp to 75% of After Repair Value
RatesStarting at 6.75% APR Interest Only
Determination of ValueAppraisal ordered by NavCap using approved Appraisal Management Company (AMC) 
BorrowerLoans are made to business entities (e.g., LLC, Corps, etc.) only -- not individuals
Credit GridNo foreclosures in last four years, no open tax liens, and no bankruptcies discharged in the last two years.
Credit ScoreGenerally 600 or higher for experienced borrower (2+ recent flips). 680+ for all others.
OccupancyMust be vacant
IncomeNot required
RehabMust be performed by a licensed contractor
Repair MoneyRepair money reimbursed to borrower in phases after work is completed
Inspection Fee$250 per inspection
Well and SepticIf your property is on a well and septic, you must provide proof by inspection that well and septic are in working order before funding
Navigator Private Capital, LLC 1910 Towne Centre Blvd Suite 250 Annapolis, MD 21401. Navigator Private Capital only makes loans for business purposes and is not a residential mortgage lender. Navigator Private Capital is exempt from licensing requirements in our geographical footprint except in MN (MN-BR-1732237). For questions about this license, contact MN Dept of Commerce by phone at 651.539.1600 or via email at This is not an offer to lend or to enter into an agreement. For more information, email us at