Please review the following important disclosures regarding SpaceCoast Unlimited, LLC and third-party lending relationships.
(Hard Money, DSCR, Fix-and-Flip & Private Lending)
SpaceCoast Unlimited, LLC is not a lender. We are a loan brokerage and financial consulting firm that assists real estate investors and borrowers by originating loan requests, collecting and organizing documentation, and facilitating introductions to third-party hard money, private, DSCR, bridge, and alternative lenders. SpaceCoast Unlimited, LLC does not fund loans, extend credit, or make underwriting or credit decisions.
All loan approvals, denials, terms, conditions, pricing, interest rates, points, fees, loan-to-value (LTV), debt service coverage ratio (DSCR) requirements, reserves, exit requirements, and funding decisions are made solely by the lender. SpaceCoast Unlimited, LLC submits loan files strictly in accordance with each lender’s published guidelines and underwriting criteria and has no authority to modify, override, or guarantee lender decisions.
Submission of information to SpaceCoast Unlimited, LLC does not constitute a loan commitment and does not guarantee approval, terms, funding, or closing. Hard money, private, DSCR, and fix-and-flip loans are asset-based and/or cash-flow-based products and may carry higher interest rates, shorter terms, interest-only payments, balloon payments, prepayment penalties, extension fees, and additional closing costs. Borrowers are responsible for reviewing all lender disclosures prior to acceptance.
SpaceCoast Unlimited, LLC does not constitute an offer or solicitation to lend and does not endorse or recommend any specific lender or loan product. We do not act as an agent, correspondent, or representative of any lender. We do not control and are not responsible for the actions, underwriting decisions, disclosures, or servicing practices of any lender or funding source.
We review the information you voluntarily provide and, if you meet preliminary criteria, may refer your request to one or more lenders or capital partners we believe may be suitable based on the stated parameters of your transaction. Loan terms vary by lender, borrower profile, property type, project scope, market conditions, and applicable state and federal law. Not all applicants or properties will qualify.
Lenders may independently verify borrower, guarantor, and property information, including but not limited to income, assets, experience, entity structure, identification, property condition, appraisals, inspections, budgets, and title. Lenders may obtain consumer or business credit reports through soft or hard credit inquiries as permitted by law. Any credit inquiry is performed by the lender, not SpaceCoast Unlimited, LLC.
SpaceCoast Unlimited, LLC may allow borrowers to voluntarily provide estimated credit or financial information; however, we do not run credit reports. Certain lenders may issue preliminary quotes, term sheets, or pre-approvals using a soft credit inquiry with no impact on credit score. Final underwriting and approval may require a hard credit inquiry, which may affect credit.
Once a borrower elects to proceed with a lender’s offer, SpaceCoast Unlimited, LLC may assist with document coordination and communication through closing, after which the borrower becomes a direct client of the lender. Loan servicing, extensions, modifications, and enforcement are handled exclusively by the lender.
SpaceCoast Unlimited, LLC may receive compensation from lenders or capital partners in connection with successfully closed transactions. Our services are subject to availability, lender participation, and applicable licensing and regulatory requirements. Service offerings and lender relationships are subject to change without notice.
All loans are subject to lender underwriting, approval, and compliance with applicable laws and regulations.