Disclosures

1. About Kyon Capital

Kyon Capital LLC is a real estate finance advisory firm. We help clients evaluate and compare financing options; we are not a mortgage lender and do not originate consumer mortgage loans. Mortgage financing is originated by separately licensed mortgage loan originators through their licensed lending relationships. Private lending products are business-purpose loans for real estate investors and are not consumer mortgage loans.

All financing is subject to underwriting, valuation, title, insurance, documentation, and program guidelines. This website is for informational purposes only and is not an offer or commitment to lend or financial, legal, or tax advice.

Marcos Medeiros is a licensed Mortgage Loan Originator, NMLS 2430313, originating through CrossCountry Mortgage, LLC, NMLS 3029. Availability varies by state and is confirmed during your consultation. Equal Housing Opportunity.

2. Consultations

Your consultation is free and carries no obligation. Booking or attending a consultation does not constitute a loan application and does not guarantee eligibility, approval, terms, or funding. Information you share is used to help you understand and compare options, and a consultation does not by itself create a lending relationship.

3. Mortgage Solutions

Kyon Capital LLC is an advisory firm and is not a mortgage lender. Mortgage financing described on this website is originated by a separately licensed mortgage loan originator through a licensed lending relationship. Products, availability, rates, and terms depend on eligibility, are determined by the lender, and are subject to underwriting, appraisal, valuation, title, insurance, documentation, and program guidelines. Not all applicants will qualify. This is not a commitment to lend.

4. Private Lending

Private lending products offered or arranged by Kyon Capital LLC are business-purpose, asset-based loans for real estate investors and are not consumer mortgage loans. They are not intended for the purchase of an owner-occupied primary residence.

Kyon may arrange financing through third-party lending sources or, in certain cases, fund a loan directly; most transactions are placed through Kyon's lending network. All loans are subject to underwriting, valuation, title, insurance, documentation, and capital availability. Availability and terms vary by deal. This is not a commitment to lend.

5. Rates & Pricing

Any rates, points, fees, or pricing concepts shown on this website are illustrative and for educational purposes only. They are not an offer or commitment, do not reflect a specific quote, and are subject to change without notice. Actual pricing depends on the lender, the borrower's profile, the property, market conditions, and program guidelines.

6. Pre-Approval

A pre-approval is a preliminary assessment based on information provided and is not a commitment to lend, a loan approval, or a guarantee of financing. It is subject to verification, full underwriting, appraisal, title, insurance, satisfactory documentation, and program guidelines, and may change or be withdrawn.

A pre-approval letter, if issued, is typically valid for 90 days from issuance and is issued by the lender, not by Kyon Capital LLC.

7. Soft & Hard Credit Inquiries

Where available and applicable, an initial review may use a soft credit inquiry, which does not affect your credit score. A hard credit inquiry, which may affect your score, may be required later as part of a formal application or underwriting; you will be informed beforehand. Your authorization is required before any credit is obtained.

8. Timeline Statements

Any timeframes described on this website are general estimates only, vary by transaction, and are not guarantees. Actual timing depends on documentation, valuation, title, insurance, underwriting, third parties, and program guidelines.

9. Educational Content, Blog & Guides

Content on this website is provided for general educational and informational purposes only and is not financial, legal, tax, or investment advice, an offer or commitment to lend, or a recommendation of any specific product. Information may not apply to your situation and may change over time. Consult appropriate licensed professionals regarding your circumstances.

10. Third-Party Lender Relationships & Compensation

Kyon Capital LLC works with separately licensed mortgage loan originators and third-party lending sources. Mortgage financing is provided by those lenders, not by Kyon Capital LLC.

There is no charge to you for Kyon's consultation or guidance. Where a transaction closes, the licensed originator is compensated through the lender's customary channels in accordance with applicable law; Kyon does not charge you a separate advisory fee. Kyon does not guarantee the products, pricing, decisions, or performance of any third-party lender.

11. State Availability

Kyon Capital LLC is based in Florida. Services are available across most U.S. states; availability of any particular product or originator depends on applicable licensing and is confirmed during your consultation. Products and services may not be available in all states.

12. Equal Housing Opportunity & Fair Lending

Kyon Capital LLC supports the Equal Credit Opportunity Act and the Fair Housing Act and does business in accordance with fair lending laws. We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, familial status, disability, age, or because income derives from a public assistance program. Equal Housing Opportunity.

13. No Guarantee of Approval

Submitting an inquiry, attending a consultation, or beginning an application does not guarantee approval, eligibility, specific rates, terms, or funding. Loan decisions are made by the lender based on underwriting and program guidelines. Not all applicants or properties will qualify.

14. Subject to Underwriting

All financing is subject to underwriting review and approval and to satisfactory valuation, title, insurance, documentation, and applicable program guidelines. Terms are not final until issued by the lender in writing and may change prior to closing.

15. Private Lending Is Business-Purpose Only

Private lending products are intended solely for business, commercial, or investment purposes and are not for personal, family, or household use. They are not consumer mortgage loans and are not intended for owner-occupied primary residences. Borrowers may be required to certify the business purpose of the loan. These loans involve risk, including the risk of loss.

16. Investor Risk

Real estate investing involves risk, including market, construction, timing, and liquidity risk and the potential loss of capital and invested equity. The use of leverage can increase both potential returns and potential losses.

Projected values, after-repair values, rents, and timelines are estimates and may not be achieved. Past performance does not guarantee future results. Kyon Capital LLC does not provide investment advice; investors should perform their own due diligence and consult their own advisors.

17. No Legal, Tax, or Investment Advice

Kyon Capital LLC provides educational information and financing guidance. We do not provide legal, tax, accounting, or investment advice. Consult your own attorney, tax advisor, or financial professional before making decisions based on information provided here.

18. Intake Forms & Website Communications

By submitting a form on this website, you consent to be contacted by Kyon Capital LLC by email, phone, text, or messaging regarding your inquiry, using the contact details you provide; message and data rates may apply, and you may opt out at any time. Submitting a form does not create an application, lending relationship, or obligation.

19. Multilingual Content (EN / PT / ES)

This website may be provided in English, Portuguese, and Spanish for convenience. If there is any inconsistency between language versions, the English version governs. Translated materials are for general information and may not reflect the most current updates; required disclosures and loan documents may be provided in English.

20. Reverse Mortgage / HECM

Reverse mortgage / Home Equity Conversion Mortgage (HECM) information on this website is provided for general educational purposes only and is not a recommendation, solicitation, or offer. Reverse mortgages are available only to eligible homeowners (generally age 62 or older), require independent counseling, and have important long-term implications, including effects on home equity, heirs, and eligibility for certain benefits.

A reverse mortgage is a loan that must be repaid and may become due under certain conditions. This information is not provided by a government agency. Eligibility and terms are subject to program guidelines.