Portfolio Loan Program

For borrowers looking for a single loan to finance multiple investment properties, Navigator Private Capital is able to design a personalized portfolio loan for single- and multi-family residential properties. Otherwise known as a blanket mortgage, we are able to consolidate the rates, terms, and payments into one loan package—streamlining and expediting the entire process. We realize that, when it comes to real estate investing, time is money, and we aim to save you both.

Have a portfolio of properties in need of financing? Reach out to us below:

LOAN MATRIX
Geography	All states except MN, ND, SD, VT and WV
Loan Purpose	Residential up to 20 units
Loan Amount Range	$500K-25M
Loan Process	Paperless, automated and online
Assets	3 month bank statement showing seasoned funds with required liquidity reserve lower of 10% of loan balance or 12 months of PITIA
Net Worth	Minimum 25% of loan balance (not including borrower's interest in subject portfolio)
PrePayment Penalty	Full yield maintenance with 6 months open prepay window at end of loan term
Terms	5 year, 10 year fixed with additional loan terms accepted on case by case basis
Loan To Value Max	Up to 75% of As Is
Loan Max	Up to 80% on purchase with additional restrictions on refinance
Determination of Value	Appraisal ordered by NavCap using approved Appraisal Management Company (AMC)
Borrower	Loans are made to business entities (e.g., LLC, Corps, etc.) only -- not individuals
Credit Score	Generally 680 or higher
Credit Grid	No foreclosures, no open tax liens, bankruptcies at least two years discharged
Occupancy	Not owner occupied
Income	Not required
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. This is not an offer to lend or to enter into an agreement. For more information, email us at info@gonavcap.com.