Hard money loans in Mount Pleasant, SC.
Mount Pleasant is the East Cooper anchor — Charleston's most affluent suburb, with consistently strong family-buyer demand and some of the tightest comp sets in the metro. The flip math here rewards investors who understand the difference between Old Village and Park West.
What we look for in Mount Pleasant.
Old Village (south of Coleman Boulevard) is the historic core — restored 1890s-1940s cottages routinely trade above $1.5M. I'On is the master-planned neighbor — traditional architecture, walkable, and a tight buyer pool that pays a premium for the brand. Park West and Carolina Park (29466) drive the family-tier volume in the $600-$900K range. Snee Farm and Brickyard Plantation offer the most predictable update-and-resell projects.
Built for Mount Pleasant 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 Mount Pleasant 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 Mount Pleasant deal we review.
Construction draws made simple.
Heavier rehab in Mount Pleasant? Our draw process is fast and unbureaucratic — most draws fund the same day the inspector clears the work.
Common questions from Mount Pleasant borrowers.
What loan-to-value will Kayak fund in Mount Pleasant?
We typically fund up to 70% of the after-repair value (ARV). For experienced borrowers and high-comp neighborhoods like Old 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 Mount Pleasant 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 Mount Pleasant?
Yes — but we underwrite the deal first, the borrower second. If the Mount Pleasant property pencils out and the rehab plan is sound, we'll consider funding a first-timer.
What kind of Mount Pleasant 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.