Charleston Hard Money Loans
12% Rate. 2 Points. No Junk Fees.
Direct decision-makers · Same-day funding
Investment properties only · Charleston Lowcountry · Same-day funding
The same lender Phoenix investors trust, now in the Lowcountry.
12+ years of hard money lending. 1,700+ funded deals. Direct decision-makers who answer the phone — and a Charleston program designed around the same principles.
Approval in under an hour
We lend our own money — no committee, no broker chain, no waiting. Same model that's funded 1,700+ deals in Phoenix.
Two points, transparent rate
12% rate, 2 origination points. That's it. No processing fees, no underwriting fees, no prepayment penalty, no extension fees. The points and the rate — nothing else.
You talk to the decision-makers
No call centers. No junior loan officer "running it up the chain." When you call Kayak, you get Barry — and the answer.
The deal qualifies you
Asset-based lending. We don't pull credit. We don't need tax returns. If the property and the deal make sense, you're in.
Same model. Different ramp-up math.
If you've heard about our Phoenix program, you know we don't charge origination points there. So why two points in Charleston? Honesty: we're new to this market.
In Arizona, we've funded 1,700+ deals over 12 years. That volume lets us run on rate alone — no points, no junk fees. In South Carolina, we're starting from zero. The two points cover the cost of building local relationships, learning Lowcountry submarkets, and getting our team set up to fund deals as fast here as we do in Phoenix.
What we won't do: hide the points behind processing fees, extension fees, or "underwriting" charges. The 2 points and the 12% rate are your only costs. When SC volume gets where AZ is, we'll re-evaluate. Until then — straightforward pricing for straightforward deals.
Compare the fine print.
Most hard money lenders charge points and a stack of junk fees. We charge points. The rest is zero.
Four steps from "I found a deal" to wired funds.
Call or apply online
Tell us the property address, purchase price, and close-of-escrow date. Online application takes under three minutes.
Get approved — typically within the hour
We confirm your loan amount and schedule the funds. You talk to the people who actually decide.
We coordinate with the closing attorney
South Carolina closings are handled by attorneys, not title companies. We work directly with your closing attorney to complete the file.
Sign and fund
Sign at the closing attorney's office. Funds wired same day.
I just want to say after a 15-year relationship with Barry and Landon, it has been nothing but a fantastic personal and business relationship. Kayak Capital has helped my business grow and continue to perform better each and every year.A. Morris · 15-year client (Phoenix)