Hard money loans in Seabrook Island, SC.
Seabrook Island sits next door to Kiawah but trades at a slight discount — same gated, master-planned feel, similar amenities, lower-key brand. For investors who underwrite to resale comps rather than name recognition, that gap can be a margin opportunity.
What we look for in Seabrook Island.
The two golf courses (Crooked Oaks and Ocean Winds) anchor the inventory map — most of the higher-end resales sit on or near the fairways. Bohicket Marina-side properties trade on dock and water access. North Beach and Pelican Watch hold the oceanfront premium. Like Kiawah, the POA architectural review is the gating step on any meaningful Seabrook renovation.
Built for Seabrook Island 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 Seabrook Island 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 Seabrook Island deal we review.
Construction draws made simple.
Heavier rehab in Seabrook Island? Our draw process is fast and unbureaucratic — most draws fund the same day the inspector clears the work.
Common questions from Seabrook Island borrowers.
What loan-to-value will Kayak fund in Seabrook Island?
We typically fund up to 70% of the after-repair value (ARV). For experienced borrowers and high-comp neighborhoods like Bohicket Marina area, 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 Seabrook Island 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 Seabrook Island?
Yes — but we underwrite the deal first, the borrower second. If the Seabrook Island property pencils out and the rehab plan is sound, we'll consider funding a first-timer.
What kind of Seabrook Island 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.