Mobile Home Park Financing

Mobile home parks and manufactured housing communities have many available financing options, from Fannie and Freddie to bank and CMBS loans.

Manufactured housing properties, also known as mobile home parks, offer great investment opportunities for multifamily investors.

Ignore the common misconceptions about manufactured housing, they offer stable income and can be extremely lucrative investments, provided you manage your assets properly and do your market research. In other words, they're not unlike most other types of multifamily assets.

There are a wide range of loan options available for mobile home parks, including:

And that's only scratching the surface. Loans can start as low as $1 million and offer leverage at a loan-to-value ratio of up to 80%.

Mobile Home Park Financing Requirements

While some lenders may have different requirements, the list below highlights what is typically required for most manufactured housing loans.

DSCR of at least 1.25x or 1.30x
Existing and stabilized
50+ pad sites
90%+ tenant-owned homes
Skirting
More than 50% doublewide
Off-street parking
All roads must be paved
All hitches must be concealed
No option to purchase pad site on leases

With so many options to choose from, it can be difficult to know if you've found the best deal for your investment.

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