Hard money loans in Johns Island, SC.
Johns Island is where the metro is still expanding — large lots, growing family-tier subdivisions, and a price-point gap below Mount Pleasant that's pulling buyers who want the Lowcountry feel without the East Cooper premium.
What we look for in Johns Island.
The Maybank Highway corridor anchors the family-tier subdivisions — Stonoview, Whitney Lake, and the master-planned newer builds. Headquarters Plantation has the gated, golf-course inventory. Outside the master-plans, Johns Island still has rural lots and tidal-creek frontage that work for the right custom-build investor.
Built for Johns 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 Johns 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 Johns Island deal we review.
Construction draws made simple.
Heavier rehab in Johns Island? Our draw process is fast and unbureaucratic — most draws fund the same day the inspector clears the work.
Common questions from Johns Island borrowers.
What loan-to-value will Kayak fund in Johns Island?
We typically fund up to 70% of the after-repair value (ARV). For experienced borrowers and high-comp neighborhoods like Maybank Highway corridor, 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 Johns 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 Johns Island?
Yes — but we underwrite the deal first, the borrower second. If the Johns Island property pencils out and the rehab plan is sound, we'll consider funding a first-timer.
What kind of Johns 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.