BRRRR & rental bridge loans in Charleston.
The bridge from purchase through rehab to a stabilized rental your DSCR lender will refinance — with zero points, zero fees, and a free exit, so the refinance math stays clean and your cash comes back out.
Terms with nothing hiding in them.
BRRRR investors exit to a refinance, not a sale, and that changes everything about the bridge. Upfront points sit in your cost basis and squeeze the cash-out; prepayment penalties and minimum interest tax the exact move the strategy depends on. Our bridge has none of those, and payoff statements go out the day your refinance lender's attorney asks — so the loan ends the day it should.
| Interest rate | 12% — the entire cost of the loan |
| Points & fees | Zero. No origination, processing, underwriting, appraisal, draw, or extension fees |
| Leverage | Up to 85% of total cost (purchase + rehab/build) |
| Approval | Typically within 1 hour of your call |
| Funding | Funds wired the same day you sign at the attorney's office |
| Draws | Funded in about 24 hours, managed in-house |
| Exit | No prepayment penalty, no minimum interest, no payoff fee |
| Qualifying | The deal qualifies you — no credit pull, no tax returns |
The math on a typical deal.
A North Charleston three-bedroom: $210,000 purchase, $45,000 rehab, $255,000 total cost. Kayak funds $216,750 at 85% and six months on the bridge costs $13,005 all-in. After a $320,000 appraisal and a 75% DSCR refinance, you leave $28,005 in the deal — versus $33,256 with a lower-rate lender charging points and fees. That $5,251 difference, across a few deals a year, is most of the next down payment.
The full walkthrough: best private money lenders for Charleston BRRRR rentals
From first call to funded.
- Call with the deal and your refinance plan. Approval in about an hour — no credit pull on the bridge.
- Close at the attorney's office, rehab with 24-hour draws, lease it up.
- Refinance free, whenever it's ready. No prepayment penalty, no minimum interest, no payoff fee, and same-day payoff statements.
Common questions.
What are the best private money lenders for BRRRR rental deals in Charleston SC?
The best BRRRR bridge lenders combine low total cost, fast rehab draws, and a fee-free payoff when your refinance closes. Kayak Capital charges 12 percent with zero points, zero fees, and no prepayment penalty, so the bridge leaves your refinance math clean.
How much cash do I leave in a Charleston BRRRR deal?
It depends on purchase, rehab, appraisal, and refinance leverage — but the bridge fees are the part you control. On a typical $255,000 North Charleston project, a zero-fee bridge leaves about $5,251 less trapped in the deal than a lower-rate lender charging points and fees.
Is there a penalty for refinancing early?
Not with us. No prepayment penalty and no minimum interest, so if your DSCR loan is ready in month four, you exit in month four and stop paying.
Do you fund the rehab on a rental acquisition?
Yes — purchase plus rehab up to 85 percent of total cost, with draws funded in about 24 hours so the rent start date doesn't slip.
What should I know about Lowcountry rentals before I buy?
South Carolina assesses most rentals at the 6 percent property-tax rate rather than the 4 percent primary-residence rate, and many coastal properties need flood and wind coverage — both shrink the loan your DSCR refinance supports, so budget them before you offer.