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, 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 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 12+ 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.