So that even in the 11 states requiring licensure, unlicensed lenders can legally lend under exceptions.

How do you allow unlicensed people in the property when needed? 

If you intend to use an unlicensed broker:  Here is what I tell anyone that might do business with an unlicensed broker:1.

They don't like their deals stolen...especially by unlicensed people.

If they are unlicensed, your risk still might be pretty low.

Later on, I worked as an unlicensed assistant to a real estate agent, did broker price opinions, knocked on doors, etc. 

There is little if any protection buying from an unlicensed broker.

In addition, successfully complete a FREC-approved post-licensing course for brokers, consisting of 60 classroom hours before the initial broker license expires.Exam: Pass the Florida Real Estate Broker Examination with a grade of at least 75Fee: $115 ($20 application fee; $90 license fee; $5 unlicensed activity fee)Application: Complete and submit broker license application which is available onlineFlorida Real Estate Salesperson License RequirementsFlorida real estate salesperson licensing requirements include:Age: Must be at least 18 years of ageHigh School: Must have a high school diploma or equivalentEducation: Successfully complete a Florida Real Estate Commission 63-hour sales associate courseTrustworthiness: Must be of good moral character; must have a background check and submit fingerprintsExam: Pass the Florida Real Estate Sales Associate Examination with a grade of at least 75Fee: $105Application: Complete and submit sales associate license application which is available onlineFlorida Community Association Manager License RequirementsFlorida community association manager licensing requirements include:Age: Must be at least 18 years of ageEducation: Must complete at least 18 hours of pre-licensure education from an approved providerTrustworthiness: Must be of good moral character; must have a background check and submit fingerprintsExam: Pass the CAM exam.

That could mean unlicensed people abroad answering the phones, not protecting tenants info, that could make you liable for identity theft. 

All contracts, options, or other devices not based upon a substantial consideration, or that are otherwise employed to permit an unlicensed person to sell, lease, or let real estate, the beneficial title to which has not, in good faith, passed to such party for a substantial consideration, are hereby declared void and ineffective in all cases, suits, or proceedings had or taken under this chapter; however, this section shall not apply to irrevocable gifts, to unconditional contracts to purchase, or to options based upon a substantial consideration actually paid and not subject to any agreements to return or right of return reserved.Then you have 475.42 which states brokering without a license is a 3rd degree felony:475.42 Violations and penalties.—(1) VIOLATIONS.— (a) A person may not operate as a broker or sales associate without being the holder of a valid and current active license therefor.