Hard money loans in Daniel Island, SC.
Daniel Island is one master-planned community on its own zip code — a 4,000-acre island with a country club, a tennis tournament, deepwater access, and a buyer pool that pays cash for the lifestyle. Flip economics here run on a different scale than the rest of the metro.
What we look for in Daniel Island.
Daniel Island Park (the country club section) holds the high-end — golf-course homes routinely $1.5M+ and waterfront homes well above. The Town Center walkable inventory and Smythe Park area drive the family-tier volume. Codner's Ferry Park and the central residential pockets offer the entry tier — still expensive, but workable for a clean cosmetic flip.
Built for Daniel Island investors.
Transparent pricing — no junk fees.
12% rate, 2 origination points. That's it. No processing fees, no document fees, no underwriting fees, no surprise line items at closing.
Same-day approvals.
We're the decision-makers. Send us a Daniel Island deal and you'll have a verbal approval the same day — usually by phone — and we typically fund within 5-10 business days.
Over 1,000 loans funded.
Kayak Capital has funded more than 1,000 hard money loans across 12+ years of lending. We bring that underwriting playbook to every Daniel Island deal we review.
Construction draws made simple.
Heavier rehab in Daniel Island? Our draw process is fast and unbureaucratic — most draws fund the same day the inspector clears the work.
Common questions from Daniel Island borrowers.
What loan-to-value will Kayak fund in Daniel Island?
We typically fund up to 70% of the after-repair value (ARV). For experienced borrowers and high-comp neighborhoods like Daniel Island Park, we sometimes go higher. Call us with the deal and we'll tell you what we can do.
How fast can you close on a Daniel Island property?
Standard turnaround is 7-10 business days from signed contract — sometimes faster. Same-day verbal approvals so you can move on the deal before someone else does.
Do you fund first-time investors in Daniel Island?
Yes — but we underwrite the deal first, the borrower second. If the Daniel Island property pencils out and the rehab plan is sound, we'll consider funding a first-timer.
What kind of Daniel Island properties don't you fund?
Owner-occupied homes (we're investment-only), raw land without a build plan, and properties outside our Lowcountry coverage. Everything else, we'll consider.