MHP Loans in Florida

Mobile home park loans in Florida

Bridge financing for MHC acquisitions, value-add, and infill across the Sunshine State. From a lender who owns and operates Florida parks.

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$100K+

Loan size

Up to 85%

LTC

12% IO

Rate

12-24 mo

Term

72 hrs

Fastest close

Available

Rehab capital

All loans are subject to underwriting approval. Rates, terms, and fees vary based on property type, loan-to-value ratio, borrower experience, and market conditions. Requity Lending is a commercial bridge lender; we do not offer consumer residential mortgages. Contact us for a customized quote.

Market Snapshot

Florida MHP market

Key market indicators for manufactured housing communities in Florida.

3,700+

MHPs in Florida

820,000+

MH Sites Statewide

$500-$700/mo

Avg. Lot Rent

5.5%-7.5%

Typical MHP Cap Rate

Market Overview

Manufactured housing in Florida

Florida has the highest number of mobile home parks of any state in the country, with over 3,700 communities and more than 820,000 manufactured home sites. The state's year-round warm climate, large retiree population, and persistent housing affordability pressure make MHCs one of the most resilient asset classes in the Florida real estate market.

The strongest MHP investment markets in Florida include the Tampa Bay corridor (Lakeland, Plant City, Zephyrhills), the Space Coast, Central Florida (Ocala, Leesburg), Southwest Florida (Fort Myers, Cape Coral), and the Panhandle. Tampa Bay alone has one of the highest concentrations of manufactured housing in the nation, Lakeland, Florida has 21.5% of its housing stock in manufactured homes, the highest percentage of any major U.S. city.

Florida's MHP market is characterized by strong demand from retirees and workforce housing residents, limited new park development due to zoning restrictions, and increasing institutional interest driving cap rate compression in Class A and B parks. Value-add opportunities remain abundant in Class C parks with below-market lot rents, deferred infrastructure, and vacant pads available for infill.

Why Florida

Why finance an MHP in Florida

What makes Florida a compelling market for manufactured housing community investment.

We operate Florida MHCs

Requity Group acquires and manages manufactured housing communities in Florida through our investment platform. When we underwrite your Florida MHP deal, we evaluate it the way we evaluate our own parks, with operational insight that pure financial lenders cannot match.

Highest park density in the nation

With over 3,700 parks statewide, Florida offers more acquisition opportunities than any other state. But density also means competition for quality deals. Our 72-hour closing capability helps you win competitive situations against slower lenders.

Year-round occupancy demand

Unlike seasonal markets, Florida MHCs benefit from year-round demand driven by retirees, snowbirds converting to full-time residents, and workforce housing needs in growing metros. This occupancy stability supports strong underwriting for bridge financing.

Use Cases

What we finance

From straightforward park acquisitions to complex value-add repositioning with infill programs and infrastructure overhauls.

Park Acquisitions

Acquire manufactured housing communities that conventional lenders will not finance due to below-market operations, deferred maintenance, or park-owned home portfolios. We underwrite to the business plan, not just trailing income.

Value-Add Repositioning

Finance the acquisition and improvement of underperforming parks. Bridge capital covers the purchase while improvement holdbacks fund infrastructure upgrades, lot rent adjustments, and operational improvements.

Infrastructure Upgrades

Fund water and sewer system repairs, electrical upgrades, road improvements, and common area renovations. Draws released as work is completed and verified.

Lot Infill Programs

Finance the placement of new or used manufactured homes on vacant lots to increase occupancy and revenue. A vacant lot generating $0/month can produce $400-$600/month in lot rent once filled.

POH to TOH Conversion

Acquire parks with park-owned homes, then convert to tenant-owned over time. Bridge financing covers the initial acquisition including POH rental income in the underwrite, giving you runway to execute the conversion strategy.

Portfolio Consolidation

Combine multiple MHP acquisitions into a single bridge facility. One closing, one set of docs, streamlined execution for operators building a manufactured housing portfolio.

Regulations

Florida MHP regulations

Key regulatory considerations for mobile home park owners and investors in Florida.

Florida Statute Chapter 723

Florida's Mobile Home Act (Chapter 723) governs the relationship between park owners and residents. It requires 90-day notice for lot rent increases and provides residents with certain rights regarding park sales.

Rent increase structure

Florida requires 90 days written notice before implementing lot rent increases. Unlike states with rent control, Florida does not cap the amount of rent increases, but the notice period affects how quickly you can execute a value-add business plan.

Park sale notification

When a Florida mobile home park is being sold, residents must be notified and given the opportunity to make an offer. While residents rarely exercise this right on institutional-quality parks, it is a procedural step in the acquisition process.

FAQ

Common questions about Florida MHP loans

Don't see your question? Call 813.338.1000 or email contact@requitygroup.com.

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Does Requity finance mobile home parks throughout Florida?

Yes. We finance MHP acquisitions statewide, from the Panhandle to the Keys. Our strongest deal flow is in the Tampa Bay corridor, Central Florida, Southwest Florida, and the Space Coast.

What is the typical cap rate for mobile home parks in Florida?

Florida MHP cap rates typically range from 5.5% to 7.5% depending on park quality, location, and occupancy.

Can I finance a Florida MHP with park-owned homes?

Yes. We underwrite the total revenue picture including lot rents, park-owned home rental income, and ancillary income.

How does hurricane risk affect MHP financing in Florida?

We evaluate hurricane exposure as part of our underwriting, including insurance costs, flood zone status, and structural resilience. Adequate insurance coverage is required.

What is the minimum park size for a Florida MHP bridge loan?

We finance parks of all sizes starting at a $100,000 loan amount. Our typical Florida MHP borrower is acquiring a community with 30 to 150 lots.

How fast can Requity close on a Florida mobile home park?

We can close Florida MHP acquisitions in as fast as 72 hours from signed term sheet. Most deals close within 72 hours to 15 business days.

Does Requity finance lot infill in Florida parks?

Yes. Lot infill is one of the most effective value-add strategies in Florida MHCs, where vacant pads can generate $500-$700 per month in lot rent once filled.

What are the strongest markets for MHP investment in Florida?

Tampa Bay (including Lakeland, Zephyrhills, Plant City), Central Florida (Ocala, Leesburg), Southwest Florida (Fort Myers, Cape Coral), and the Space Coast.

Mobile home park financing by state

National MHP Program MHP Loans in Alabama MHP Loans in Arkansas MHP Loans in Georgia MHP Loans in Illinois MHP Loans in Indiana MHP Loans in Iowa MHP Loans in Kansas MHP Loans in Kentucky MHP Loans in Louisiana MHP Loans in Maryland MHP Loans in Michigan MHP Loans in Minnesota MHP Loans in Mississippi MHP Loans in Missouri MHP Loans in Nebraska MHP Loans in North Carolina MHP Loans in North Dakota MHP Loans in Ohio MHP Loans in Oklahoma MHP Loans in South Carolina MHP Loans in South Dakota MHP Loans in Tennessee MHP Loans in Texas MHP Loans in Virginia MHP Loans in West Virginia MHP Loans in Wisconsin