Mobile Home Park Loans
Mobile home park loans
Bridge loans for manufactured home communities. Acquisition, value-add, and infill capital from a lender who operates in the space.
Get Your MHP Loan Quote
Term sheet in 24 hours. No credit pull. No obligation.
Luis and Dylan helped me so much on my refinance. I had a tricky property but they made the loan terms work out great and I was able to stabilize and refi into long term debt. Highly recommend, great service and good operators who actually care about your deal and not just their fees.
— Garrett T., Borrower
Loan Program Details
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.
WHY REQUITY
A lender who operates in the space
Most bridge lenders treat manufactured housing as a niche they tolerate. Requity Group acquires and manages MHCs through our investment platform. We evaluate your deal the way we evaluate our own.
We Understand MHP Underwriting
Lot rent analysis, utility cost structures, POH vs TOH income splits, infill economics. Our team knows manufactured housing at the operational level, not just the spreadsheet level.
We Are MHP Operators Ourselves
Requity Group acquires and manages manufactured housing communities through our investment platform. We evaluate your deal the way we evaluate our own.
Speed That Wins Deals
Many MHP acquisitions are sourced directly from retiring owner-operators who prioritize certainty and speed. A 72-hour close wins deals a 60-day bank process loses.
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.
Resources
MHP insights
Financing a Manufactured Home Community Acquisition with a Bridge Loan
How to structure the capital stack for an MHP acquisition using bridge financing.
Read MoreManufactured Home Community Cap Rates in 2026
Current cap rate ranges and where value-add opportunities exist in manufactured housing.
Read MoreFrom Vacant Lots to Full Occupancy: A Bridge Loan MHP Case Study
A 68-lot park went from 40% vacancy to 92% occupancy in 14 months using bridge financing.
Read MoreFAQ
Manufactured housing lending FAQ
State Guides
MHP financing by state
State-specific market data, regulations, and lending guidance for manufactured housing community investors.