MHP Loans in West Virginia
Mobile home park loans in West Virginia
Bridge financing for MHC acquisitions across West Virginia.
Market Snapshot
West Virginia MHP market
Key market indicators for manufactured housing communities in West Virginia.
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.
Deal Economics
How the numbers work
A representative value-add MHP acquisition showing how bridge financing enables the deal and creates equity.
Acquisition
Bridge Loan Structure
Stabilized (14 Months)
Representative example for illustrative purposes only. Actual deal economics vary based on market conditions, execution, and property specifics.
FAQ
West Virginia MHP lending FAQ
Yes. Charleston, Morgantown, Huntington, and statewide.
9% to 12%, among the highest nationally.
West Virginia parks tend to be smaller. We finance starting at $100,000 loan amount.
See Also