Hard money loans in West Ashley, SC.
West Ashley is the underrated middle child of the metro — established neighborhoods, mid-century housing stock, and a 10-minute commute to downtown that hasn't yet priced like Mount Pleasant. The flip opportunities here are quietly some of the most consistent in the Lowcountry.
What we look for in West Ashley.
Avondale and South Windermere are the breakout neighborhoods — walkable to the Avondale strip, mid-century ranch and bungalow stock that restores cleanly into the $600-$800K range. Byrnes Downs and Ashley Forest offer family-tier volume in the $450-$650K range. Carolina Bay (the newer master-plan off Glenn McConnell) anchors the new-build resale inventory.
Built for West Ashley 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 West Ashley 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 West Ashley deal we review.
Construction draws made simple.
Heavier rehab in West Ashley? Our draw process is fast and unbureaucratic — most draws fund the same day the inspector clears the work.
Common questions from West Ashley borrowers.
What loan-to-value will Kayak fund in West Ashley?
We typically fund up to 70% of the after-repair value (ARV). For experienced borrowers and high-comp neighborhoods like Avondale, 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 West Ashley 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 West Ashley?
Yes — but we underwrite the deal first, the borrower second. If the West Ashley property pencils out and the rehab plan is sound, we'll consider funding a first-timer.
What kind of West Ashley 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.