Hard money loans in Summerville, SC.
Summerville is the metro's fastest-growing exurb — Volvo, the new Walmart distribution center, and the Cane Bay / Nexton master-plans have pulled an enormous wave of family buyers. The flip economics are predictable, the comps are dense, and the velocity is fast.
What we look for in Summerville.
Nexton and Cane Bay Plantation drive the bulk of the new-build resale volume — master-planned, dense comps, and a steady inflow of Volvo and Boeing employees. Historic downtown Summerville (around Hutchinson Square) has a smaller but appreciating restoration market. Pine Forest, Legend Oaks, and Wescott offer the established golf-course-community inventory in the $400-$600K range.
Built for Summerville 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 Summerville 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 Summerville deal we review.
Construction draws made simple.
Heavier rehab in Summerville? Our draw process is fast and unbureaucratic — most draws fund the same day the inspector clears the work.
Common questions from Summerville borrowers.
What loan-to-value will Kayak fund in Summerville?
We typically fund up to 70% of the after-repair value (ARV). For experienced borrowers and high-comp neighborhoods like Historic Downtown Summerville, 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 Summerville 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 Summerville?
Yes — but we underwrite the deal first, the borrower second. If the Summerville property pencils out and the rehab plan is sound, we'll consider funding a first-timer.
What kind of Summerville 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.