Hard Money & Investor Loans in Melbourne, FL

Melbourne is home base for SpaceCoast Unlimited. We help local real estate investors find hard money, private money, DSCR, and ground-up construction loans for investment property in Melbourne and the surrounding area. We also work with investors nationwide.

Your Melbourne-based investor loan broker

Looking for a hard money lender in Melbourne, FL? Here's the honest answer: we're not a lender. We're a local loan broker. We review your deal and connect you with lenders we work with whose guidelines may fit it. Lenders make every credit decision and set all terms.

What being local means for you: you're working with a team based in the same market you invest in. We can talk through the specifics of a Melbourne property, such as its neighborhood, its jurisdiction, and its likely rehab scope, not just the numbers on a spreadsheet. That context helps us present your deal clearly to lenders. Learn more about us.

SpaceCoast Unlimited LLC

Mailing address: 4880 Stack Blvd Ste E6 #806, Melbourne, FL 32901

Phone: 321-499-2652

Email: tommy@spacecoastunlimited.com

Hours: Mon–Fri 8am–5pm ET.

Loan programs for Melbourne investors

Terms vary by lender, property, borrower, market, and documentation.

Hard money loans

Buying a Melbourne home to renovate and resell? Hard money lenders typically focus on the purchase price, rehab budget, and after-repair value rather than mainly on personal income. See hard money loans.

Private money loans

When a Melbourne deal doesn't fit a standard program, such as an unusual property or a tight timeline, private lenders with their own guidelines may be an option. See private money loans.

DSCR loans

Holding a Melbourne rental for the long term? With many DSCR programs, qualification is based mainly on whether the rent covers the property's monthly payment, taxes, insurance, and association dues. See DSCR loans.

Ground-up construction loans

Have a lot or a teardown in Melbourne? Ground-up construction loans can finance a new spec home or rental, typically with funds released in draws as work is completed. See ground-up construction loans.

Melbourne investment property: what to know before you finance

Neighborhood mix

Melbourne isn't one market. Since the cities of Melbourne and Eau Gallie merged in 1969, the city has had two downtown districts:

Historic Downtown Melbourne: the original business district.
Eau Gallie Arts District: the former city of Eau Gallie's core, along the Indian River Lagoon.

Most of the city lies inland of the lagoon, with a small part on the barrier island. Nearby West Melbourne and Melbourne Beach are separate municipalities, not part of the City of Melbourne. Since a mailing address doesn't always match the city a property is in, confirm the property's actual city before you run your numbers.

Build a rehab budget lenders can follow

A rehab lender is financing your plan, so the clearer the plan, the easier the review. Break your budget into line items (roof, HVAC, kitchen, baths, flooring, paint, and so on) instead of one lump sum. Add a contingency for surprises. Then show how the finished property supports your after-repair value with a few recent comparable sales. Lenders may ask for more detail, but a line-item budget is a strong start.

Employers, the airport, and Florida Tech

Melbourne Orlando International Airport sits near the center of the city, and Florida Institute of Technology is in Melbourne. The city is also home to defense and technology companies, including the corporate headquarters of L3Harris Technologies. If you're buying a rental, lenders will look at the specific property's market rent, typically through an appraisal, rather than the area's reputation.

Why work with a local broker

Local market familiarity. We know Melbourne's neighborhoods, the separate nearby municipalities, and the questions lenders tend to ask about local properties.
One point of contact through closing. We help coordinate documents and communication between you and the lender until your loan closes.

For county-wide factors like insurance and flood zones across Brevard, see our Brevard County page. Investing just south of here? See Palm Bay.

How it works

Tell us about your Melbourne deal through our quote form or by phone.
We review it against the guidelines of lenders we work with.
A lender issues terms if it's interested.
You close with the lender. You decide whether to move forward.

Melbourne investor loan FAQs

Are you located in Melbourne?

Yes. SpaceCoast Unlimited is based in Melbourne. Our mailing address is 4880 Stack Blvd Ste E6 #806, Melbourne, FL 32901, and you can reach us at 321-499-2652.

How do I get started on a Melbourne deal?

Request a quote online or call 321-499-2652. Have the property address, purchase price, rehab budget, ARV, your completed flips or experience, and an estimated credit score ready. We'll review it and look for lenders we work with whose guidelines may fit.

Do you work with West Melbourne, Melbourne Beach, and Palm Bay properties?

Yes. We work with investors throughout Brevard County, including West Melbourne, Melbourne Beach, and Palm Bay, as well as investors nationwide.

Can a first-time investor in Melbourne get a fix and flip loan?

It depends on the lender. Some programs work with first-time investors, while others ask for a track record. Share your experience honestly and we'll look for lenders whose guidelines may fit.

Is SpaceCoast Unlimited a direct lender?

No. We're a loan broker, not a lender. Lenders fund the loans and make all credit decisions.

Request a quote for your Melbourne deal

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

Explore more: Loan Programs · Service Areas · Brevard County

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.