Multi-family Loan Program

Building upon our success with our single family loan program, Navigator Private Capital (NavCap) is expanding its umbrella to include loans for multi family residential units. We recognize the considerable upside potential in these deals and the need for quick and easy access to funding to put the wheels in motion. With competitive rates and rapid approvals, this new loan program is designed to move your next project forward—on schedule and within budget. 

We are rolling out our multi family loan program in all of our lending areas. With competitive rates and negotiable terms, we can design a loan just for you. So if you need funding for a property with 5+ units, we would love to hear from you. 

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 PurposePurchase, Refinance, Residential 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. 
Pre-Payment PenaltyUp to 3 months
Terms6 to 24 months with interest only payments
Standard Loan85% Loan To Cost
Max Loan To ValueUp to 75% of ARV
RatesStarting at 6.75% APR Interest Only
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 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.
Feasibility StudyRequired prior to closing.
RehabMust be performed by licensed contractor
SurveyALTA survey required on loans greater than or equal to $3M
Repair MoneyRepair money disbursed to borrower in phases after work is completed
EnvironmentalRequires environmental screen that shows minimal environmental risk
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