  We have combined new I, J, H, and Ks imaging of portions of the Chamaeleon
II, Lupus I, and Ophiuchus star-forming clouds with 3.6 to 24 micron imaging
from the Spitzer Legacy Program, "From Molecular Clouds to Planet Forming
Disks", to identify a sample of 19 young stars, brown dwarfs and sub-brown
dwarfs showing mid-infrared excess emission. The resulting sample includes
sources with luminosities of 0.5>log(L/Lsun)>-3.1. Six of the more luminous
sources in our sample have been previously identified by other surveys for
young stars and brown dwarfs. Five of the sources in our sample have nominal
masses at or below the deuterium burning limit (~12 M_J). Over three decades in
luminosity, our sources have an approximately constant ratio of excess to
stellar luminosity. We compare our observed SEDs to theoretical models of a
central source with a passive irradiated circumstellar disk and test the
effects of disk inclination, disk flaring, and the size of the inner disk hole
on the strength/shape of the excess. The observed SEDs of all but one of our
sources are well fit by models of flared and/or flat disks.
