Hard money loans in Folly Beach, SC.
Folly Beach plays by its own rules — short-term rental income drives most of the underwriting, FEMA flood requirements drive the build cost, and beach-walkability drives the resale premium. The right Folly project is a vacation-rental engine.
What we look for in Folly Beach.
Center Street and the Front Beach blocks command the highest STR yields — walking distance to the pier and the bars. The Folly River side trades on dock access and quieter inventory. East and West Folly offer the larger-lot, higher-elevation rebuild opportunities. FEMA elevation and STR ordinance compliance are non-negotiable on every Folly deal — we underwrite both.
Built for Folly Beach 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 Folly Beach 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 Folly Beach deal we review.
Construction draws made simple.
Heavier rehab in Folly Beach? Our draw process is fast and unbureaucratic — most draws fund the same day the inspector clears the work.
Common questions from Folly Beach borrowers.
What loan-to-value will Kayak fund in Folly Beach?
We typically fund up to 70% of the after-repair value (ARV). For experienced borrowers and high-comp neighborhoods like Front Beach, 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 Folly Beach 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 Folly Beach?
Yes — but we underwrite the deal first, the borrower second. If the Folly Beach property pencils out and the rehab plan is sound, we'll consider funding a first-timer.
What kind of Folly Beach 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.