---
title: "Kayak Capital Loan Terms (2026) | LenderTracker"
description: "Kayak Capital investor loan terms as published. Fix & flip, Bridge, Hard money loans. Sourced from the lender’s own site."
canonical: https://lendertracker.com/lenders/kayak-capital/
last_updated: 2026-10-17
content_signal: "search=yes, ai-input=yes, ai-train=yes"
---

Canonical URL: <https://lendertracker.com/lenders/kayak-capital/> (this is the Markdown version of that page). Last updated October 17, 2026.

# Kayak Capital: investor loan terms

What Kayak Capital publishes about its fix & flip, bridge, hard money loans, with links to every source.

LenderTracker is an independent directory. Its founder is a [licensed mortgage loan originator (MLO) with Kenwood Mortgage Investments](https://lendertracker.com/disclosure/), a lender listed on this site. We don't broker loans, don't take per-loan or per-lead fees, and don't rank lenders for pay. Terms change often: confirm everything with the lender. [Full disclosure](https://lendertracker.com/disclosure/).

## Summary of published terms

- **Loan types:** Fix & flip, Bridge, Hard 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:** Not published
- **Foreign nationals:** Not published
- **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/](https://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.

## Sources

- [www.kayakcapital.com/](https://www.kayakcapital.com/)
- [www.kayakcapital.com/hard-money-lender-phoenix-az](https://www.kayakcapital.com/hard-money-lender-phoenix-az)

Checked 2026-10-17. Terms change often. Confirm directly with Kayak Capital before applying.

[Visit Kayak Capital](https://www.kayakcapital.com/)

### See something out of date?

Borrowers and lenders can report updated terms.

[Report terms](https://lendertracker.com/suggest-a-lender/?lender=kayak-capital)

### Compare with similar lenders

- [All Arizona lenders](https://lendertracker.com/arizona-lenders/)
- [Arizona hard money lenders](https://lendertracker.com/arizona-hard-money-lenders/)
- [Arizona fix-and-flip lenders](https://lendertracker.com/arizona-fix-and-flip-lenders/)
- [Fix and flip lenders](https://lendertracker.com/fix-and-flip-lenders/)
- [Bridge lenders](https://lendertracker.com/bridge-lenders/)
- [Hard money lenders by state](https://lendertracker.com/hard-money-lenders/)

Information on LenderTracker is for general research only and is not lending, legal, tax or investment advice. Not an offer or commitment to lend. Lender names and trademarks belong to their owners. © 2026 LenderTracker.

---

Disclosure: LenderTracker is created by Alex English, a licensed real estate agent and a licensed mortgage loan originator (MLO) with Kenwood Mortgage Investments (Alex doesn't own it; it is listed like every other lender, with no special placement). Alex also makes business-purpose private money loans. None of Alex's own private lending entities are listed. LenderTracker takes no per-loan or per-lead fees and does not broker loans. Full disclosure: https://lendertracker.com/disclosure/