Hard money loans in James Island, SC.
James Island is the Lowcountry's value-tier sea island — close enough to downtown to matter, with a deep stock of 1960s-1980s ranch homes that flip cleanly at family-tier price points. The marsh-front lots are the wildcards.
What we look for in James Island.
Riverland Terrace is the mid-century darling — modest 1950s-1960s ranch homes that restore beautifully and resale in the $600s-$800s. Stiles Point and Lighthouse Point offer the family-tier volume with consistent comps. Folly Estates and Clarks Sound have the marsh and tidal-creek lots that drive higher-end custom rebuilds when investors find them at the right price.
Built for James 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 James 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 James Island deal we review.
Construction draws made simple.
Heavier rehab in James Island? Our draw process is fast and unbureaucratic — most draws fund the same day the inspector clears the work.
Common questions from James Island borrowers.
What loan-to-value will Kayak fund in James Island?
We typically fund up to 70% of the after-repair value (ARV). For experienced borrowers and high-comp neighborhoods like Riverland Terrace, 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 James 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 James Island?
Yes — but we underwrite the deal first, the borrower second. If the James Island property pencils out and the rehab plan is sound, we'll consider funding a first-timer.
What kind of James 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.