Hard money loans in Ravenel, SC.
Ravenel sits on the western edge of the metro — rural, large-lot, and increasingly on the radar of buyers priced out of West Ashley and Johns Island looking for acreage and water access at sub-Charleston prices.
What we look for in Ravenel.
The Stono River and tidal-creek frontage drive the higher-end inventory — when a waterfront cottage comes available, it tends to move fast. The Highway 17 corridor and the inland ranch-house stock fit the value-tier cosmetic-flip mold. Ravenel is also one of the few areas in the metro where land + custom-build deals still pencil at family-tier exit prices.
Built for Ravenel 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 Ravenel 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 Ravenel deal we review.
Construction draws made simple.
Heavier rehab in Ravenel? Our draw process is fast and unbureaucratic — most draws fund the same day the inspector clears the work.
Common questions from Ravenel borrowers.
What loan-to-value will Kayak fund in Ravenel?
We typically fund up to 70% of the after-repair value (ARV). For experienced borrowers and high-comp neighborhoods like Highway 17 corridor, 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 Ravenel 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 Ravenel?
Yes — but we underwrite the deal first, the borrower second. If the Ravenel property pencils out and the rehab plan is sound, we'll consider funding a first-timer.
What kind of Ravenel 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.