Rental Property Loan Program

Are you looking to add a rental property to your portfolio? We can certainly understand why. With the potential to generate consistent monthly income while still creating equity, rental properties are a win-win.

And now it’s even easier to secure financing for your long-term rental investment. NavCap has designed a customizable program that checks all the boxes—providing quick access to funding at low rates with flexible terms. It’s a simple, straightforward option for the experienced real estate investor. Our rental loan rates begin at 7.25%, allowing us to outpace the competition. With loans available as either 3 or 8 year fixed and amortized over 30 years, you have the option to remain in the loan for the duration.

We realize that, when it comes to real estate investing, time is of the essence. That’s why we are committed to providing rapid approvals so that the money you need to purchase or refinance the property is in your hands—fast. Give us a call at 443.603.0193 or or sign up here for more information.

Navigator Private Capital Rental Property Loan Matrix
GeographyDelaware, Georgia, Maryland, Virginia, Washington DC, Wisconsin
Loan PurposePurchase, Rate-Term Refinance, Cash-Out Refinance
Loan Amount Range$100K -$1.5M
Property TypeResidential 1-4 unit
Loan ProcessPaperless, automated and online
Term30-year term, with loans fixed rate for first 3 years or 8 years
Credit Score650 minimum
Max Loan To Value75%
RatesFixed rate as low as 7.25% and fully indexed rate is Prime + 5%
Index/Margin/CapsFirst adjustment after fixed term is 2% max and then 1% max per adjustment period with a lifetime cap of 6%
BorrowerLoans are not made to individuals. NavCap only makes loans to business entities (e.g. LLC, Corps, etc)
ExperienceFirst time investor = 5% LTV reduction for all property types
Asset VerificationSource of funds required
EscrowRequired for taxes and insurance
Prepayment Penalty

3-year fixed = 3% within first 3 years or 8-year fixed = 3% within first 5 years

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