Hard money loans in Kiawah Island, SC.
Kiawah is a private resort island — gated, manicured, and home to one of the most expensive ZIP-adjacent comp sets in the Southeast. Flips here are not about volume; they're about finding the dated villa on a great lot and bringing it to the resort's current finish standard.
What we look for in Kiawah Island.
The Kiawah Island Resort proper holds the bulk of the inventory — Vanderhorst, the Settlement, and the central residential blocks. Cassique (the private golf and tennis club section) trades at the highest tier. Ocean Course-area lots and oceanfront homes regularly clear $5M+. POA architectural review is rigorous — every Kiawah project plan needs to pass it before underwriting closes.
Built for Kiawah 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 Kiawah 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 Kiawah Island deal we review.
Construction draws made simple.
Heavier rehab in Kiawah Island? Our draw process is fast and unbureaucratic — most draws fund the same day the inspector clears the work.
Common questions from Kiawah Island borrowers.
What loan-to-value will Kayak fund in Kiawah Island?
We typically fund up to 70% of the after-repair value (ARV). For experienced borrowers and high-comp neighborhoods like Kiawah Island Resort, 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 Kiawah 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 Kiawah Island?
Yes — but we underwrite the deal first, the borrower second. If the Kiawah Island property pencils out and the rehab plan is sound, we'll consider funding a first-timer.
What kind of Kiawah 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.