navigator-private-capital

Navigator Private Capital

1910 Towne Center Blvd.

Annapolis, MD 21401

About Us

As a direct private lender, Navigator Private Capital provides investment property financing at competitive rates with terms customized to each deal. Better than hard money, we proudly fill the void left by traditional banks and big box financial institutions, getting money into our borrowers' hands fast—when they need it.

We offer single-family and multi-family fix and flip loans, funding for new construction as well as buy and hold DSCR financing for those clients interested in a short- or long-term rental. As a full-service lender, we offer expert advice and end-to-end support throughout the life of each deal. As a broker partner, when your deal closes, we will pay your broker fee right on the settlement statement. Reach out to see how we can help you succeed!

What We Offer

Loan Types

Fix & Flip/RTL
Rental/DSCR
Bridge Loans
New Construction

Lending Territory

AL AR CO CT DC DE FL GA ID IL IN IA KS KY LA MA MD MI MO MS NE NH NJ NC OH OK OR PA RI SC TN TX UT VA WA WV WI WY

Closing Times

As little as 10 days

Loan Purposes

RTL Res. Rehab
R/T Purchase
R/T Refinance
C/O Refinance
Multifamily

Borrower Types

Investor (LLC)

Credit Requirements

RTL and DSCR, 640
New Construction, 680
Bridge 620

Documentation

Signed Purchase Agreement
Proof of EMD
Scope of Work
Bank Statements
Photo ID
Articles of Organization and EIN for LLC
Proof of Experience

Loan Amounts

Bridge $75K (Min)
Fix-And-Flip $85K (Min)
DSCR $100K (Min)
New Construction $100K (Min)

Max Ltv

Fix-And-Flip 90/100
DSCR 80%
DSCR Cash out 75%
Bridge 82.5%
Bridge Cash out 72.5%
New Construction 85%

Property Types

Residential SFU (1-4 Unit)
MFU (5-8 Unit)
Small Subdivisions

Loan Terms

Fix-And-Flip and Bridge 12 Mo's
New Construction 24 Mo's
DSCR 30 year
20 year and 15 year Fixed OR 5, 7 and 10-year ARM (not available in all states)

Occupancy

Non-Owner Occupied

Lien Position

Who We Are

Navigator has supported me since I did my first new construction as my own General Contractor. Their continued support helps me know financially they support me and believe in my vision. I truly would not be where I am today if it wasn’t for them taking an opportunity on me!

Ashley Hickmann, Borrower

I have love working with Navigator private Capital. They have aloud me to have multiple deals with out and problem the whole team is friendly and alway answer any question I have. As a small business owner I feel like I am not just another number for them. Tim and Jackie are always on top of things and ensure we have no problem on the closing date. I would definitely recommend this company.

Charlotte Azhome, Borrower

I am so happy with Navigator Private Capital! They are exceptional! When other lending groups are hard to work with, the team at Navigator ( Middie, Tim and Rick) know how to deliver! Their process is also quality, they can even get the most challenging deals done. I have had such a great experience with these guys. I look forward to working with them for years to come. We will be closing more deals!

Raanan Carty, Broker