Hard Money & Investor Loans in Brevard County, FL

SpaceCoast Unlimited is a loan broker based in Melbourne, in the heart of Brevard County. We help real estate investors find hard money, private money, DSCR, and ground-up construction loans for investment property here on the Space Coast, and we work with investors nationwide.

We're a broker, not a lender. Lenders make every credit decision and set all terms.

A Brevard County loan broker for real estate investors

Searching for a hard money lender in Brevard? Here's how we help: we review your deal and match it with lenders that finance investment property in Brevard County. Instead of calling lender after lender, you share your scenario once, and we look for lenders whose guidelines may fit.

Because we're based in Melbourne, we know the county's mix of mainland cities, beachside towns, and unincorporated communities. That local context helps us ask the right questions early, such as insurance costs and flood zones, before they surprise you later in the process.

Mailing address: 4880 Stack Blvd Ste E6 #806, Melbourne, FL 32901 · Phone: 321-499-2652

Loan programs for Brevard investors

Terms for every program vary by lender, property, borrower, market, and documentation.

Fix & flip / hard money

Hard money loans are short-term, asset-based loans that investors commonly use to buy and renovate property. Lenders typically focus on the purchase price, rehab budget, after-repair value, and your exit plan. Learn more about Brevard County hard money loans.

Private money

Private money comes from private individuals or private lending companies with their own guidelines. It can be a fit when a deal doesn't match a standard program. See private money loans.

DSCR rental loans

DSCR loans are longer-term loans for rental property. With many programs, qualification is based mainly on whether the property's rent covers its monthly payment, taxes, insurance, and association dues. See DSCR loans.

Ground-up construction

Building a spec home or rental on a Brevard lot? Ground-up construction loans are commonly funded in draws as milestones are completed. See ground-up construction loans.

Investing in Brevard County: what lenders will look at

Lenders review every deal on its own merits, but a few Brevard-specific factors come up again and again.

Mainland vs. barrier-island properties

Brevard is split between the mainland and a long barrier island along the Atlantic, with the Indian River Lagoon in between. The barrier island includes cities and towns such as Cape Canaveral, Cocoa Beach, Satellite Beach, Indian Harbour Beach, Indialantic, and Melbourne Beach. Property insurance has been a major concern for many Florida owners since the 2004 hurricane season, and flood zones matter for beachside and riverfront properties.

That matters most for rental financing. In a DSCR loan, insurance is part of the monthly debt the rent has to cover, so a higher premium can lower the ratio. Before you make an offer, it's worth getting insurance quotes and checking the flood zone. Guidelines for coastal properties and condos vary by lender, so tell us up front if the property is beachside.

Know the property's city

Brevard has 16 municipalities, from Titusville in the north to Palm Bay in the south, plus large unincorporated communities such as Merritt Island and Viera. A mailing address doesn't always match the city a property actually sits in, so confirm it before you run your numbers. It affects things like local rules and which taxes apply.

How to prepare a deal summary

A clear one-page summary helps us and any lender review your deal faster. Start with six items: the property address, purchase price, rehab budget, after-repair value (ARV), your completed flips or experience, and an estimated credit score. Keep the numbers consistent and easy to find. Lenders may ask for more later, but these six give everyone what they need to start.

Exit strategies that work locally

Lenders want to know how you'll pay off a short-term loan. In Brevard, investors commonly plan one of two exits:

Sell after renovation: a classic fix-and-flip.
Hold and refinance: renovate, rent, then refinance into a DSCR loan for the long term.

The right exit depends on the property, the neighborhood, and your goals. Be ready to explain your plan and back it up with comparable sales or rents.

Thinking about a beachside vacation rental instead? Short-term rental rules can differ from one Brevard city or town to the next, so check local rules before you buy. How short-term rental income is treated varies by lender.

The Space Coast economy

Brevard is known as the Space Coast because of the influence of Kennedy Space Center and the aerospace industry on its economy. Military installations in the county include Patrick Space Force Base and Cape Canaveral Space Force Station. When lenders review a rental deal, though, they look at the specific property's rent, not the region's reputation.

Communities we serve in Brevard

We work with investors across Brevard County, including:

Melbourne, our home base
Palm Bay
Titusville, Cocoa, Rockledge, Merritt Island, Viera, Cocoa Beach, and Satellite Beach (see our service areas page)

How it works

Share your deal. Tell us about the property, the numbers, and your plan through our quote form.
We review it against lender guidelines. We look for lenders we work with whose programs may fit.
Lender issues terms. If a lender is interested, it provides its own terms.
You close with the lender. You decide whether to move forward, and the loan closes directly with the lender.

Brevard County investor loan FAQs

Do you work with investors anywhere in Brevard County?

We work with investors across Brevard County, from Titusville to Palm Bay and the beachside communities, and with investors nationwide. Program availability varies by lender, property, and location.

Can I get a hard money loan on a barrier-island property?

It varies by lender. Some lenders may have extra requirements for beachside and flood-zone properties. Insurance costs and the flood zone often play a big role, so share those details early.

How does flood or wind insurance affect a DSCR loan in Brevard?

Insurance is part of the monthly debt in a DSCR calculation, along with principal, interest, taxes, and association dues. A higher premium raises the monthly total, which lowers the ratio. Get insurance quotes before you finalize your numbers.

Do I need local experience to get a fix and flip loan here?

Not necessarily. Lenders commonly ask about your overall investing experience, and some programs also work with first-time investors. Requirements vary by lender.

Are you a Brevard County hard money lender?

No. SpaceCoast Unlimited is a Melbourne-based loan broker, not a lender. We connect investors with lenders, and lenders make all credit decisions.

Get a quote for your Brevard deal

Have a property in Brevard County? Tell us about it and we'll look for lenders whose programs may fit.

Request a free quote · Call 321-499-2652 · Follow us on Facebook

Explore more: Loan Programs · Service Areas

SpaceCoast Unlimited LLC · Mailing address: 4880 Stack Blvd Ste E6 #806, Melbourne, FL 32901 · 321-499-2652 · tommy@spacecoastunlimited.com · Mon–Fri 8am–5pm ET.

SpaceCoast Unlimited, LLC is a loan broker, not a lender. We do not fund loans, extend credit, or make credit decisions. All loans are made by independent third-party lenders and are subject to lender approval, terms and conditions. Business-purpose loans for real estate investors only; we do not offer consumer or owner-occupied residential loans. See our full Disclaimer.

SpaceCoast Unlimited is a loan broker, not a lender. All loans subject to lender approval. Business-purpose loans only.