Manufactured Housing Community and Mobile Home Park Financing
Manufactured housing community loans provide acquisition, refinance, and value-add financing for mobile home parks and manufactured housing communities. MHC loans underwrite to lot rent income rather than home values, with Fannie Mae and Freddie Mac offering the most competitive permanent financing for stabilized communities. Commercial Lending Solutions sources MHC financing from agency lenders, life companies, and specialized private lenders for parks with 50+ lots. Minimum loan size is $2 million.
Apply for Manufactured Housing Financing →Manufactured Housing Community Loans at a Glance
Manufactured Housing Community and Mobile Home Park Financing
Manufactured housing communities have become one of the most institutionally sought-after CRE asset classes due to uniquely strong fundamentals: residents own their homes but rent the land, creating very low turnover rates and recession-resistant income streams. Moving a manufactured home costs $5,000 to $10,000, creating extraordinary tenant retention that translates to 95%+ occupancy in most markets. Agency programs (Fannie Mae MH Advantage and Freddie Mac MH) have significantly improved financing accessibility for quality communities. Institutional buyers including private equity firms and REITs have compressed cap rates in primary markets to 4.5-6%. Secondary and tertiary market MHC communities still trade at 7-10% cap rates with strong financing available from community banks and private lenders. Commercial Lending Solutions runs competitive financing processes for MHC acquisitions, refinances, and value-add repositioning from $2M up.
Lender Sources
- Fannie Mae MH Advantage Program
- Freddie Mac Manufactured Housing
- Life Insurance Companies
- CMBS Conduits
- Community Banks and Private Lenders
Ideal For
- Stabilized manufactured housing community acquisition with 50+ lots
- Value-add MHC repositioning: infrastructure upgrades, management improvement, lot rent increase
- Mobile home park refinancing to pull out equity or extend term
- MHC portfolio acquisition across multiple states
- Conversion of tenant-owned homes to community-owned homes or park-owned homes
- Affordable workforce housing MHC development in land-constrained markets
Related Property Types
Manufactured Housing Community Loans are available for all major commercial property types. Explore financing by property category.
Manufactured Housing Community Loans FAQ
Ready to Get Manufactured Housing Financing?
Contact Commercial Lending Solutions for a free, no-obligation quote on manufactured housing community loans. We respond within 24 hours.
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