Hard money loans in McClellanville, SC.
McClellanville is a small historic shrimping village — population under 500, a unique stock of 19th-century cottages, and a slow-and-steady waterfront resale market that rewards patient investors with the right project.
What we look for in McClellanville.
The historic village core (around Pinckney Street and Live Oak Drive) holds a small but cherished stock of 1880s-1920s shrimper cottages — restorations here trade on charm and rarity. Jeremy Creek waterfront lots are the high-end play. Outside the village, Highway 17 and the rural areas offer larger-acreage ranch homes that fit the cosmetic-flip mold at lower entry prices.
Built for McClellanville investors.
Transparent pricing — no junk fees.
12% rate, zero points, zero fees. 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 McClellanville 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 13 years of lending. We bring that underwriting playbook to every McClellanville deal we review.
Construction draws made simple.
Heavier rehab in McClellanville? Our draw process is fast and unbureaucratic — most draws fund the same day the inspector clears the work.
Common questions from McClellanville borrowers.
What loan-to-value will Kayak fund in McClellanville?
We typically fund up to 70% of the after-repair value (ARV). For experienced borrowers and high-comp neighborhoods like Historic Village, 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 McClellanville 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 McClellanville?
Yes — but we underwrite the deal first, the borrower second. If the McClellanville property pencils out and the rehab plan is sound, we'll consider funding a first-timer.
What kind of McClellanville 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.