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.
Get Your MHP Loan Quote
Term sheet in 24 hours. No credit pull. No obligation.
The Requity team 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.
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.
WHY REQUITY
The mobile home park 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
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.
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.
- Purchase Price
- $1,100,000
- Lots
- 68
- Current Occupancy
- 60%
- Current Lot Rent
- $225/mo
- Current NOI
- $5,800/mo
- Bridge Loan
- $825,000
- Improvement Holdback
- $180,000
- Total Facility
- $1,005,000
- Rate
- 12% IO
- Borrower Equity
- $275,000
- Occupancy
- 92%
- Lot Rent
- $325/mo
- Stabilized NOI
- $14,500/mo
- Appraised Value
- $3,350,000
- Equity Created
- ~$1,070,000
Representative example for illustrative purposes only. Actual deal economics vary based on market conditions, execution, and property specifics.
Testimonials
“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.”
RESOURCES
Mobile home park investing resources
Mobile Home Park Financing: A Lender's Guide
Compare bridge loans, agency debt, CMBS, bank debt, and seller financing for your park acquisition, explained by a lender who also operates MHPs.
Read MoreFinancing 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
Mobile home park loan FAQ
STATE GUIDES
Mobile home park financing by state
State-specific market data, regulations, and lending guidance for manufactured housing community investors.