What two points actually buys you.

The same lender. The same speed. Just honestly priced for a new market.

Hard money lenders in Charleston typically charge 2–3 origination points plus a stack of additional fees: processing, underwriting, document prep, extension, prepayment, payoff. The total cost adds up fast.

Kayak Capital charges 2 points and an interest rate. That's it. No processing fee. No underwriting fee. No extension fee if your project runs long. No prepayment penalty if you sell early. No minimum interest period.

What you get for those 2 points is real: direct decision-makers (you talk to Barry, who lends his own money), same-day funding from a lender that's done it 1,700+ times, and asset-based underwriting that doesn't require tax returns or a credit pull.

We're new to South Carolina and building local volume. The points cover that ramp-up. Once SC volume reaches Phoenix levels, we'll revisit. Until then — straightforward pricing for straightforward deals.