Hard money loans in North Charleston, SC.
North Charleston is the value-tier engine of the metro — Boeing, Bosch, and the Naval Weapons Station drive a deep rental-buyer pool, and Park Circle's gentrification has created some of the highest appreciation rates in the Tri-County over the past decade.
What we look for in North Charleston.
Park Circle is the breakout story — once an overlooked 1940s neighborhood, now one of the metro's hottest brunch-and-bar districts, with bungalow flips routinely clearing $500K+. Park Hill, Cherokee Place, and the streets surrounding Riverfront Park are next in line. Outside the gentrifying core, North Charleston offers the metro's deepest pool of $200-$350K acquisition options for cosmetic flips and BRRRR holds.
Built for North Charleston 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 North Charleston 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 North Charleston deal we review.
Construction draws made simple.
Heavier rehab in North Charleston? Our draw process is fast and unbureaucratic — most draws fund the same day the inspector clears the work.
Common questions from North Charleston borrowers.
What loan-to-value will Kayak fund in North Charleston?
We typically fund up to 70% of the after-repair value (ARV). For experienced borrowers and high-comp neighborhoods like Park Circle, 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 North Charleston 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 North Charleston?
Yes — but we underwrite the deal first, the borrower second. If the North Charleston property pencils out and the rehab plan is sound, we'll consider funding a first-timer.
What kind of North Charleston 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.