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Loans › Mobile Home Park Loans › Texas

MHP Loans in Texas

Mobile home park loans in Texas

Bridge financing for MHC acquisitions, value-add, and repositioning across Texas. Direct balance sheet lender with operator-level underwriting.

Get your MHP loan quote

Term sheet in 24 hours. No obligation.

No credit pull required. Your information is secure.

$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

Texas MHP market

Key market indicators for manufactured housing communities in Texas.

557,000+

MH Units Shipped to TX

20+

MH Production Plants

$350-$550/mo

Avg. Lot Rent

6.5%-8.5%

Typical MHP Cap Rate

Market Overview

Manufactured housing in Texas

Texas leads the nation in manufactured housing units shipped, with over 557,000 since 1994, and hosts more than 20 manufactured home production plants, more than any other state. The state's massive geographic footprint, strong population growth, no state income tax, and diversified economy across energy, technology, healthcare, and logistics create persistent demand for affordable housing that manufactured home communities serve.

The strongest MHP investment markets in Texas include the Dallas-Fort Worth metroplex, Houston, San Antonio, Austin, and the Rio Grande Valley. DFW and Houston alone account for a significant share of statewide transaction volume. Cap rates in major metros have compressed to 6.5-7.5%, while secondary and tertiary markets (Lubbock, Amarillo, Midland-Odessa, Waco) still offer 8%+ cap rates with meaningful value-add upside.

Texas is broadly considered one of the most landlord-friendly states in the country. There is no rent control, no state income tax, and the eviction process is among the fastest in the nation. These factors combined with strong population growth make Texas one of the top MHP investment markets nationally.

Why Texas

Why finance an MHP in Texas

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

Largest MH market in the nation

Texas has received more manufactured housing shipments than any other state, over 557,000 units. The sheer scale of the market means more acquisition opportunities, more deal flow, and more exit options when you're ready to refinance or sell.

No state income tax

Texas's zero state income tax improves cash-on-cash returns for park owners compared to states with income tax. This tax advantage is a meaningful factor in underwriting and makes Texas parks attractive to investors nationwide.

Fastest-growing metros in the US

Dallas, Houston, Austin, and San Antonio consistently rank among the top US metros for population growth. This growth drives housing demand, supports occupancy, and creates a strong tailwind for lot rent increases in well-located parks.

Use Cases

What we finance

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

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.

Regulations

Texas MHP regulations

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

Texas Property Code Chapter 94

Texas's Manufactured Home Community Act (Chapter 94) governs park operations. It is broadly landlord-friendly with no rent control provisions. Lot rent increases require 60 days written notice.

Eviction process

Texas has one of the fastest eviction processes in the nation. For non-payment, a 3-day notice to vacate is required, followed by a forcible detainer suit. Cases are typically resolved within 3-4 weeks.

No state income tax

Texas does not levy a state income tax on individuals or pass-through entities. Property taxes are higher than national average but are offset by the income tax savings for most park operators.

FAQ

Common questions about Texas MHP loans

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

Ask about your deal →
Does Requity finance mobile home parks throughout Texas?

Yes. We finance MHP acquisitions statewide, from DFW and Houston to San Antonio, Austin, the Rio Grande Valley, and secondary markets like Lubbock, Waco, and Amarillo.

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

Texas MHP cap rates range from 6.5% to 8.5%. Major metros (DFW, Houston) trade at the lower end, while secondary markets and value-add opportunities can exceed 8%.

How does Texas compare to other states for MHP investment?

Texas is the largest MH market by units shipped, has no state income tax, landlord-friendly regulations, fast eviction processes, and strong population growth. It's consistently one of the top MHP investment markets nationally.

What lot rents are typical in Texas mobile home parks?

Lot rents range from $350 to $550 per month, with significant variation by market. Parks in DFW and Austin metros are at the higher end, while rural and West Texas markets are lower.

Can I include rehab capital in a Texas MHP bridge loan?

Yes. We structure improvement holdbacks directly into the bridge loan for infrastructure upgrades, lot preparation, home placement, and common area improvements.

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

We can close Texas 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 parks in the Rio Grande Valley?

Yes. The RGV has significant MHP inventory and strong demand for affordable housing. We evaluate RGV deals based on local employment fundamentals, occupancy trends, and lot rent comparables.

What are the strongest MHP investment markets in Texas?

Dallas-Fort Worth, Houston, San Antonio, and Austin are the primary markets. Strong secondary markets include Waco, Lubbock, Corpus Christi, and the Rio Grande Valley.

See Also

Mobile home park financing by state

National MHP Program MHP Loans in Alabama MHP Loans in Arkansas MHP Loans in Florida 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 Virginia MHP Loans in West Virginia MHP Loans in Wisconsin