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Loans › Mobile Home Park Loans › Virginia

MHP Loans in Virginia

Mobile home park loans in Virginia

Bridge financing for MHC acquisitions across Virginia.

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

Virginia MHP market

Key market indicators for manufactured housing communities in Virginia.

600+

MHPs in Virginia

Northern VA premium

Proximity to DC

$300-$500/mo

Avg. Lot Rent

7%-9%

Typical MHP Cap Rate

Market Overview

Manufactured housing in Virginia

Virginia's MHP market benefits from the northern Virginia spillover effect, as DC metro housing costs rise, demand for affordable housing pushes into communities throughout central and western Virginia. Hampton Roads (Norfolk, Virginia Beach) provides a defense-driven employment base. The I-81 corridor and Shenandoah Valley offer secondary markets with strong affordability demand.

Virginia has over 600 manufactured housing communities with lot rents ranging from $300-$500 depending on proximity to major employment centers.

Why Virginia

Why finance an MHP in Virginia

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

DC metro spillover

Northern Virginia housing costs push workforce housing demand into manufactured home communities throughout central Virginia.

Defense employment base

Hampton Roads is home to the world's largest naval base and multiple military installations, providing stable employment that supports MHP occupancy.

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

Virginia MHP regulations

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

Virginia Manufactured Home Lot Rental Act

Virginia has specific protections for manufactured home lot tenants including 90-day rent increase notice and a right of first refusal on park sales in certain circumstances.

Rent increase notice

Virginia requires 90 days written notice for lot rent increases, among the longer notice periods in the Southeast.

FAQ

Common questions about Virginia 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 Virginia?

Yes. Northern Virginia, Hampton Roads, Richmond, Roanoke, and Shenandoah Valley.

What cap rates are typical?

7% to 9%, with NoVA-adjacent parks at the lower end.

What lot rents are typical?

$300 to $500, higher near DC metro.

What regulations should I know about?

Virginia requires 90 days notice for rent increases and has some tenant protections regarding park sales.

How fast can Requity close?

As fast as 72 hours from signed term sheet.

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 Texas MHP Loans in West Virginia MHP Loans in Wisconsin