Last updated
Summary of published terms
- Loan types
- Fix & flipBridgeHard money
- Channel
- Direct to investors
- Min FICO (lowest stated)
- Not published
- Max purchase LTV
- Not published
- Max cash-out LTV
- Not published
- Min DSCR
- Not published
- Loan size
- Not published
- Prepayment penalty
- No prepayment penalty
- Arizona / Tennessee
- Lends in Arizona
- Short-term rentals
- —
- Foreign nationals
- —
- Coverage
- Publishes its full state list: Arizona, South Carolina
Site header: "Lending in AZ Arizona" and "Now lending in Charleston, SC" (Lowcountry program). Published list of 2 states.
Source: www.kayakcapital.com/, checked October 17, 2026
Note: Rate not published. Says it lends its own money ("Not a fund. Not a broker."). Shares a street address with Prime Plus Mortgages. License shown on site: Kayak Capital Mortgage, LLC, AZ BK-1006249, NMLS 1754684.
Summary fields show the lender’s rental/DSCR program where it has one, otherwise its bridge program. Loan size spans all programs listed.
Terms published on the lender’s website
Read from Kayak Capital’s own website on the date shown. Advertised rates are “starting at” floors, not quotes. “States” lists the states that program names; a rate only counts toward a state page when its program names that state. Anything not shown here was not published.
| Term | Published value | States named | As of |
|---|---|---|---|
| Max loan-to-cost | Up to 85% | AZ, SC | October 17, 2026 |
| Max loan-to-ARV Phoenix | Typically up to 70% of ARV | AZ | October 17, 2026 |
| Points and fees | Zero points, zero fees | AZ, SC | October 17, 2026 |
| Prepayment | None | AZ, SC | October 17, 2026 |
Program details
No program-level terms published on the pages we checked.