Hard money loans in Isle of Palms, SC.
Isle of Palms is the luxury beach play — Wild Dunes, oceanfront pricing well above $3M, and an STR market that justifies aggressive renovation budgets. The flip math here looks more like a small commercial deal than a residential one.
What we look for in Isle of Palms.
Wild Dunes (gated golf and beach resort) drives the highest-end inventory — single-family homes regularly $2-5M. Front Beach (Ocean Boulevard) holds the oceanfront premium. The Carolina Boulevard / Hartnett residential pockets offer the entry tier (still $1M+) for cosmetic flips. Every IOP deal is fundamentally a vacation-rental underwriting exercise.
Built for Isle of Palms 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 Isle of Palms 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 Isle of Palms deal we review.
Construction draws made simple.
Heavier rehab in Isle of Palms? Our draw process is fast and unbureaucratic — most draws fund the same day the inspector clears the work.
Common questions from Isle of Palms borrowers.
What loan-to-value will Kayak fund in Isle of Palms?
We typically fund up to 70% of the after-repair value (ARV). For experienced borrowers and high-comp neighborhoods like Wild Dunes, 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 Isle of Palms 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 Isle of Palms?
Yes — but we underwrite the deal first, the borrower second. If the Isle of Palms property pencils out and the rehab plan is sound, we'll consider funding a first-timer.
What kind of Isle of Palms 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.