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Loans › Mobile Home Park Loans

Mobile Home Park Loans

Mobile home park loans & financing

Bridge loans for manufactured home communities. Acquisition, value-add, and infill capital from a lender who operates in the space. We finance mobile home parks, not individual mobile homes.

Close in as fast as 72 hours

Up to 85% loan-to-cost

Rehab and infill capital available

Get your MHP loan quote

Term sheet in 24 hours. No obligation.

$100K-$5M+

Loan size

Up to 85%

Loan-to-cost

10-12% IO

Rate

12-24 mo

Term

72 hrs

Fastest close

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.

Financing Options

How mobile home park financing works

Mobile home park financing comes in four forms: bridge loans, bank loans, agency debt, and seller financing. The right one depends on where the park is in its life cycle. Stabilized parks with clean financials qualify for banks and agencies. Parks with vacancy, park-owned homes, deferred maintenance, or below-market rents usually need bridge financing first.

Bridge (Requity) Bank Agency (Fannie/Freddie) Seller Financing
Typical rate 10-12% interest-only Lower, varies by bank Lowest of the four Negotiated with seller
Time to close 72 hours to 15 business days 45-90 days 60-120 days Varies
Stabilization required No, underwritten to business plan Yes Yes, plus quality standards No
Best for Value-add, infill, POH-heavy parks Stabilized parks, local relationships Large stabilized communities Retiring owner-operators

Rates updated July 2026.

East TN

Why Requity

The mobile home park lender who operates in the space

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

Mobile home park financing use cases

From straightforward park acquisitions to complex value-add repositioning with infill programs and infrastructure overhauls. Whether you call it a mobile home park, trailer park, or manufactured home community, the financing works the same.

01

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.

02

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.

03

Infrastructure Upgrades

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

04

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.

05

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.

06

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.

FAQ

Mobile home park loan FAQ

Does Requity Lending finance manufactured home communities with park-owned homes?

Yes. We underwrite the total revenue picture including lot rents, park-owned home (POH) rental income, utility reimbursements, and ancillary income. Many conventional lenders struggle with the hybrid income streams from POHs, but our underwriting model is built to evaluate the full cash flow of a manufactured housing community.

What are current mobile home park loan rates?

Requity bridge loans for mobile home parks currently range from 10% to 12%, interest-only for the full term, with origination fees of 1.5% to 3%. Pricing depends on leverage, park quality, market, and borrower experience. Permanent bank and agency debt is priced lower but requires stabilized operations. Bridge financing is built for parks that are not there yet.

How much down payment do I need to buy a mobile home park?

We lend up to 85% of total project cost (LTC), so most borrowers bring 15% or more of total project cost as equity. The exact requirement depends on in-place cash flow, the business plan, and borrower experience. Improvement budgets can be funded up to 100% through holdbacks.

What size manufactured home communities does Requity finance?

We finance communities of all sizes starting at $100,000 with no stated maximum. Our typical MHP borrower is acquiring a community with 30 to 150 lots in a secondary or tertiary market with below-market lot rents and clear value-add opportunity.

Can I get rehab or improvement capital included in my MHP bridge loan?

Yes. We structure improvement holdbacks directly into the bridge loan. This capital funds infrastructure repairs, lot preparation, home placement for infill, and common area improvements. Funds are released through a draw process as work is completed and verified.

Do you refinance mobile home parks?

Yes. We refinance mobile home parks, including cash-out refinances for owners who have added value and want capital for the next phase of improvements or acquisitions. Bridge refinancing also works for owners coming off maturing debt who need time to stabilize before securing permanent financing.

What is the typical exit strategy for an MHP bridge loan?

The most common exit is a refinance into permanent bank or agency debt, typically at 12 to 18 months once the park is stabilized. Other exits include CMBS loans, local bank financing, or sale of the stabilized asset.

Can I use seller financing when buying a mobile home park?

We evaluate seller carry and other creative structures case by case. Many park sellers are retiring owner-operators open to carrying part of the purchase price, and we can often work with that structure in the capital stack. Submit the deal and we will tell you quickly whether it works.

How does Requity evaluate lot rent potential?

We analyze comparable lot rents in the surrounding market, considering park quality, amenities, location, and home types. Our underwriting models the path from current rents to market rents, including realistic timelines for rent adjustment programs with proper tenant notice periods.

Does Requity finance lot infill (placing new homes on vacant pads)?

Yes. Lot infill is one of the most effective value-add strategies in manufactured housing, and we can include infill capital in the bridge loan structure. The typical cost to source and place a used manufactured home on a prepared lot ranges from $8,000 to $15,000, with the new lot rent revenue significantly exceeding the financing cost.

What markets does Requity Lending cover for MHP financing?

Requity Lending provides mobile home park financing nationwide, with the exception of California, Hawaii, and Alaska. We evaluate each market based on employment fundamentals, population trends, housing affordability pressure, and comparable park operations in the area.

How fast can Requity close on a manufactured home community acquisition?

We can close MHP acquisitions in as fast as 72 hours from signed term sheet. Most manufactured housing deals close within 72 hours to 15 business days. We deliver term sheets within 24 hours of receiving a complete deal package.

State Guides

Mobile home park financing by state

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