Fix and Flip 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 7.5% 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. 

GeographyMaryland, Washington DC, Delaware, Virginia, Minnesota, Wisconsin, Georgia
Loan PurposePurchase, Refinance, Residential Rehab
Loan Amount Range$100K-2M
Loan ProcessPaperless, automated and online
Assets1 month bank statement showing sufficient funds to close and to start project
PrePayment PenaltyNone
Terms6 to 11 month balloon with interest only payments
Loan To Value MaxUp to 70% of After Repair Value
Loan Max100% of Sales Price and 100% of Rehab
RatesStarting at 7.5%
Determination of ValueAppraisal ordered through approved AMC—other appraisals will not be considered
BorrowerLoans are not made to individuals. NavCap only makes loans to business entities (e.g., LLC, Corps, etc.)
Credit GridNo active foreclosures, no open tax liens with no payment plan, no open bankruptcies
Credit ScoreNot required
OccupancyMust be vacant
IncomeNot required
RehabMust be performed by a licensed contractor
First Payments3+ months interest only payments to be collected at closing
Repair MoneyRepair money reimbursed to borrower in phases after work is completed with a ~15% reserve contingency
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

General UW Tips*Proof of Funds (POF) provided at no cost for qualified properties
*Conditional approvals provided with terms and conditions needed to fund
*At time of conditional approval, provide ratified contract and scope of work
*Funding to occur 48 hours after final conditions cleared
*Appraisal can be paid securely on our website
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