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 with rates as low as 7% 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. 

GeographyConnecticut, Delaware, Florida, Georgia, Maryland, Minnesota, New Jersey, Pennsylvania, Tennessee, Texas, Virginia, Washington DC, Wisconsin
Loan PurposeResidential Rehab
Loan Amount Range$100K +
Loan ProcessPaperless, automated and online
Assets1 month bank statement showing sufficient funds to close and to start project
PrePayment PenaltyNone
TermsUp to 24 months
Standard LoanAlways 100% of Rehab up to 85% Loan To Cost
Loan To Value MaxUp to 70% of After Repair Value
Loan MaxUp to 90% of Sales Price and 90% of Rehab for investors with experience and good credit
RatesStarting at 7%. The more money down the lower the rate.
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 ScoreGenerally 600 or higher
Credit GridNo foreclosures, no open tax liens, bankruptcies at least two years discharged
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