MANUFACTURED HOMES
Manufactured homes have evolved into a strong, affordable investment option across many U.S. markets. When properly titled and placed on eligible land, they can deliver reliable rental income and efficient returns for investors seeking lower entry costs and steady demand.
WHY INVESTORS CONSIDER MANUFACTURED HOMES
Lower Purchase Price
Reduced acquisition costs create higher yield potential.
Strong Rental Demand
Affordable housing demand continues to grow nationwide.
Faster Deployment
Factory construction allows quicker placement and occupancy.
Attractive Cash Flow Opportunities
Lower capital requirements can lead to stronger cash-on-cash returns.
KEY PROPERTY FEATURES
- Factory-built to HUD standards
- Transported and installed on-site
- Can be single-wide or multi-section
- Often permanently affixed to land
- Individual utilities when placed on owned land
- Can be titled as real property (required for many loans)
WHO THIS IS IDEAL FOR
Cash-Flow Focused Investors
Lower acquisition costs with consistent rental demand.
Investors Targeting Affordable Housing
Serving an underserved but growing tenant base.
Buy-and-Hold & BRRRR Investors
When permanently affixed and properly titled.
Investors Seeking Efficient Capital Use
Lower entry points allow portfolio scaling.
SAMPLE DEALS
Real Investors. Real Results.
Long-Term Rental
$185,000
Property Type: Manufactured Home on Owned Land
Loan Type: DSCR
LTV: 75%
Monthly Rent: $1,650
Value-Add Hold
$210,000
Property Type: Double-Wide Manufactured Home
Renovation: $25,000
Loan Type: Bridge → DSCR Refi
Portfolio Expansion
$465,000
Property Type: 3 Manufactured Homes (Same Parcel)
Loan Type: Portfolio Loan
Use: Long-Term Rental
Refinance-CashOut
$260,000
Property Type: Manufactured Home on Owned Land
Loan Type: DSCR Cash-Out Refinance
LTV: 70%
Monthly Rent: $1,900
QUICK QUALIFICATION CHECKLIST
- Manufactured home built to HUD standards
- Permanently affixed or eligible foundation
- Titled as real property (preferred)
- Land owned or included in purchase
- Rent supports the loan payment
- Basic liquidity for down payment and reserves
- Ability to close within 10–21 days
HOW WE FINANCE MANUFACTURED HOMES
We offer specialized funding solutions for eligible manufactured home investments, including:
DSCR Loans (for qualifying real-property titles)
Bridge Loans for acquisitions and refinances
Fix & Hold / BRRRR Loans (case-by-case)
Long-Term Rental Loans for stabilized properties
Financing availability depends on age, title status, foundation type, and land ownership.
READY TO FUND YOUR NEXT PROPERTY?
Manufactured housing can be a powerful addition to a well-balanced investment portfolio. Our team helps you navigate eligibility and secure funding with clarity and speed.
FREQUENTLY ASKED QUESTIONS
Yes—provided the home meets eligibility guidelines and is properly titled.
Only if they meet HUD standards and are titled as real property. Homes in parks may have limited options.
Most loan programs require the investor to own the land or purchase it with the home.
Yes, for qualifying properties that meet lender criteria.
Permanent foundations are typically required. Skirted or temporary setups may not qualify.
Most programs start around 700+, evaluated on a case-by-case basis.
Yes, depending on scope and property condition.
Some long-term loans may include penalties; bridge loans typically do not.
Yes, we do lend nationwide.
Complete the pre-approval form and our team will review your deal quickly.
