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, 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 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 13 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.