Having at the very least seem pictures of the MC 5 years ago gives a decent starting point to make a guess, and it's possible that(unknown at this point) he might have more recent pics.
Of course he could just be having an absent minded bar conversation...
I tell you what, it would certainly be "interesting" if in the next step of his seduction of the MC he takes him to the club and offers to pay for lap dance from a girl he thinks you will like
.
We know Gabi's husband hasn't been taking her to poundtown very often, Navarro is a good looking rich dude, him having other interests wouldn't be the most surprising thing in this story.