Choosing the right lending partner can make or break your next deal. That's why we're excited to offer 90/100 leverage in our Fix-and-Flip loan program – designed to help investors like you maximize potential returns while minimizing out-of-pocket expenses.
What We Offer
Our premium RTL program allows you to finance 90% of your property's purchase price plus 100% of the renovation budget. This powerful combination means you can preserve capital, take on multiple projects simultaneously, and significantly boost your overall ROI.
Here's what makes our 90/100 program the preferred choice for serious fix-and-flip investors:
- Higher leverage means more deals: Put simply, when you're bringing less cash to the table per project, you can pursue more opportunities with the same capital pool.
- Complete renovation coverage: With 100% of your repair budget covered, you can rest easy knowing that everything in your approved Scope Of Work will get done.
- Fast approvals and closings: Timing is everything in the fix-and-flip market. Our streamlined process gets you funded quickly so you never miss a deal.
- Flexible loan terms: Customizable options to match your project timeline, typically from 6 to 24 months.
How To Qualify
Let’s be honest. Not everyone will qualify for 90/100 financing. Here’s what we look for:
- Previous fix-and-flip experience (typically 1+ completed projects)
- Credit score of 660 or higher
- Clear exit strategy with realistic ARV projections
- Proper documentation of renovation plans and budget
Options for Every Experience Level
Don’t meet the specs for 90/100 funding? No worries. We are committed to meeting you where you are and have options for investors at all experience levels.. While our 90/100 program requires some experience, we have alternatives:
- New investors: Just starting your real estate investing career? Our beginner-friendly programs provide competitive financing with lower leverage, allowing you to build your portfolio and track record.
- Credit-challenged investors: We understand that credit scores don't tell the whole story. Our asset-based lending programs focus primarily on the property's potential rather than your credit history, with options available for scores as low as 600.
Why Choose Navigator Private Capital?
What truly sets us apart isn't just our industry-leading loan programs – it's our commitment to your success. As investors ourselves, we understand the challenges and opportunities in today's market. Our team provides more than just financing; we deliver experience, market insights, and dedicated support throughout your project lifecycle.
Ready to maximize your fix and flip potential with our 90/100 program? Request a quick quote below or contact your loan officer directly or call us at 888.444.3160 for a customized consultation and quick pre-approval. Your next successful flip is just a phone call away.