Manufactured Housing
Manufactured Housing Community Financing
Manufactured housing communities are one of the highest-yielding stabilized multifamily asset classes in commercial real estate, with strong agency execution, low historical vacancy, and durable tenant retention driven by the cost of relocating a manufactured home. Commercial Lending Solutions arranges MHC financing from agency lenders, banks and credit unions, CMBS, and debt funds for acquisition, refinance, and value-add repositioning.
Apply for Manufactured Housing Financing →Overview
Manufactured Housing Community (MHC) Financing
Manufactured housing community investment has matured into an institutional asset class over the past decade, with private equity, REITs, and family offices all actively bidding for stabilized 4-star and 5-star communities. Underwriting fundamentals are favorable: residents own their homes and rent the lot, so capex obligations are minimal compared to apartment ownership; relocating a manufactured home costs $5,000 to $15,000, producing tenant retention rates that exceed 90 percent annually; and demand for affordable housing continues to grow in markets where conventional rentals price out moderate-income households. Agency lenders treat MHC as a multifamily asset class and offer dedicated programs (Fannie Mae MHC, Freddie Mac MHC, including small balance versions) with non-recourse 10-year fixed-rate financing at competitive multifamily spreads. Commercial Lending Solutions has placed MHC capital across 3-star to 5-star communities, age-restricted (55+) parks, and RV resort hybrids.
Manufactured Housing Subtypes
- 3-Star Entry-Level Communities
- 4-Star Mid-Grade Communities
- 5-Star Class A Communities
- Age-Restricted 55+ Communities
- RV Resort Hybrids
- Tenant-Owned Home Communities (TOH)
- Land-Lease Only Parks
- Conversion / Adaptive Reuse Sites
Financing Options
- Agency (Fannie Mae MHC, Freddie Mac MHC, MHC SBL)
- Bank & Credit Union Permanent
- CMBS Conduit
- Life Insurance Company Loans
- Bridge & Value-Add Debt Funds
- USDA Rural Development
Manufactured Housing Financing by City
Los Angeles, CA
Manufactured Housing Loans
New York, NY
Manufactured Housing Loans
Phoenix, AZ
Manufactured Housing Loans
Dallas, TX
Manufactured Housing Loans
Houston, TX
Manufactured Housing Loans
Miami, FL
Manufactured Housing Loans
Atlanta, GA
Manufactured Housing Loans
Chicago, IL
Manufactured Housing Loans
Denver, CO
Manufactured Housing Loans
Seattle, WA
Manufactured Housing Loans
San Diego, CA
Manufactured Housing Loans
San Francisco, CA
Manufactured Housing Loans
Austin, TX
Manufactured Housing Loans
Nashville, TN
Manufactured Housing Loans
Tampa, FL
Manufactured Housing Loans
Charlotte, NC
Manufactured Housing Loans
Minneapolis, MN
Manufactured Housing Loans
Portland, OR
Manufactured Housing Loans
Las Vegas, NV
Manufactured Housing Loans
Orlando, FL
Manufactured Housing Loans
Raleigh, NC
Manufactured Housing Loans
Salt Lake City, UT
Manufactured Housing Loans
San Antonio, TX
Manufactured Housing Loans
Kansas City, MO
Manufactured Housing Loans
Columbus, OH
Manufactured Housing Loans
Indianapolis, IN
Manufactured Housing Loans
San Jose, CA
Manufactured Housing Loans
Philadelphia, PA
Manufactured Housing Loans
Washington DC, DC
Manufactured Housing Loans
Detroit, MI
Manufactured Housing Loans
Boston, MA
Manufactured Housing Loans
Baltimore, MD
Manufactured Housing Loans
Sacramento, CA
Manufactured Housing Loans
St. Louis, MO
Manufactured Housing Loans
Pittsburgh, PA
Manufactured Housing Loans
Cincinnati, OH
Manufactured Housing Loans
Cleveland, OH
Manufactured Housing Loans
Jacksonville, FL
Manufactured Housing Loans
Milwaukee, WI
Manufactured Housing Loans
Memphis, TN
Manufactured Housing Loans
Oklahoma City, OK
Manufactured Housing Loans
Louisville, KY
Manufactured Housing Loans
Richmond, VA
Manufactured Housing Loans
Virginia Beach, VA
Manufactured Housing Loans
New Orleans, LA
Manufactured Housing Loans
Birmingham, AL
Manufactured Housing Loans
Hartford, CT
Manufactured Housing Loans
Tucson, AZ
Manufactured Housing Loans
Boise, ID
Manufactured Housing Loans
Omaha, NE
Manufactured Housing Loans
Tulsa, OK
Manufactured Housing Loans
Honolulu, HI
Manufactured Housing Loans
Albuquerque, NM
Manufactured Housing Loans
El Paso, TX
Manufactured Housing Loans
Riverside, CA
Manufactured Housing Loans
Charleston, SC
Manufactured Housing Loans
Greenville, SC
Manufactured Housing Loans
Knoxville, TN
Manufactured Housing Loans
Fort Worth, TX
Manufactured Housing Loans
Savannah, GA
Manufactured Housing Loans
Fort Lauderdale, FL
Manufactured Housing Loans
West Palm Beach, FL
Manufactured Housing Loans
Durham, NC
Manufactured Housing Loans
Colorado Springs, CO
Manufactured Housing Loans
Huntsville, AL
Manufactured Housing Loans
Provo, UT
Manufactured Housing Loans
Boulder, CO
Manufactured Housing Loans
Reno, NV
Manufactured Housing Loans
Ann Arbor, MI
Manufactured Housing Loans
Madison, WI
Manufactured Housing Loans
Des Moines, IA
Manufactured Housing Loans
Lexington, KY
Manufactured Housing Loans
Providence, RI
Manufactured Housing Loans
Buffalo, NY
Manufactured Housing Loans
Rochester, NY
Manufactured Housing Loans
Grand Rapids, MI
Manufactured Housing Loans
Fresno, CA
Manufactured Housing Loans
Worcester, MA
Manufactured Housing Loans
Bridgeport-Stamford, CT
Manufactured Housing Loans
Albany, NY
Manufactured Housing Loans
New Haven, CT
Manufactured Housing Loans
Bakersfield, CA
Manufactured Housing Loans
Oxnard-Ventura, CA
Manufactured Housing Loans
Allentown, PA
Manufactured Housing Loans
Baton Rouge, LA
Manufactured Housing Loans
Dayton, OH
Manufactured Housing Loans
McAllen, TX
Manufactured Housing Loans
Stockton, CA
Manufactured Housing Loans
Columbia, SC
Manufactured Housing Loans
Greensboro, NC
Manufactured Housing Loans
Akron, OH
Manufactured Housing Loans
Sarasota, FL
Manufactured Housing Loans
Fort Myers, FL
Manufactured Housing Loans
Little Rock, AR
Manufactured Housing Loans
Wichita, KS
Manufactured Housing Loans
Lakeland, FL
Manufactured Housing Loans
Ogden, UT
Manufactured Housing Loans
Winston-Salem, NC
Manufactured Housing Loans
Augusta, GA
Manufactured Housing Loans
Spokane, WA
Manufactured Housing Loans
Syracuse, NY
Manufactured Housing Loans
Toledo, OH
Manufactured Housing Loans
Lancaster, PA
Manufactured Housing Loans
Chattanooga, TN
Manufactured Housing Loans
Scranton, PA
Manufactured Housing Loans
Harrisburg, PA
Manufactured Housing Loans
Asheville, NC
Manufactured Housing Loans
Pensacola, FL
Manufactured Housing Loans
Jackson, MS
Manufactured Housing Loans
Shreveport, LA
Manufactured Housing Loans
Greenville, SC
Manufactured Housing Loans
Fayetteville, NC
Manufactured Housing Loans
Myrtle Beach, SC
Manufactured Housing Loans
Wilmington, NC
Manufactured Housing Loans
Montgomery, AL
Manufactured Housing Loans
Roanoke, VA
Manufactured Housing Loans
Charlottesville, VA
Manufactured Housing Loans
Fredericksburg, VA
Manufactured Housing Loans
Manchester, NH
Manufactured Housing Loans
Portland, ME
Manufactured Housing Loans
Burlington, VT
Manufactured Housing Loans
Springfield, MA
Manufactured Housing Loans
Cape Coral, FL
Manufactured Housing Loans
Daytona Beach, FL
Manufactured Housing Loans
Columbia, MO
Manufactured Housing Loans
Springfield, MO
Manufactured Housing Loans
Sioux Falls, SD
Manufactured Housing Loans
Fargo, ND
Manufactured Housing Loans
Lincoln, NE
Manufactured Housing Loans
Cedar Rapids, IA
Manufactured Housing Loans
Peoria, IL
Manufactured Housing Loans
Fort Wayne, IN
Manufactured Housing Loans
South Bend, IN
Manufactured Housing Loans
Evansville, IN
Manufactured Housing Loans
Youngstown, OH
Manufactured Housing Loans
Canton, OH
Manufactured Housing Loans
Flint, MI
Manufactured Housing Loans
Kalamazoo, MI
Manufactured Housing Loans
Lansing, MI
Manufactured Housing Loans
Duluth, MN
Manufactured Housing Loans
Rochester, MN
Manufactured Housing Loans
Green Bay, WI
Manufactured Housing Loans
Appleton, WI
Manufactured Housing Loans
Wausau, WI
Manufactured Housing Loans
Eau Claire, WI
Manufactured Housing Loans
Rockford, IL
Manufactured Housing Loans
Champaign-Urbana, IL
Manufactured Housing Loans
Davenport, IA
Manufactured Housing Loans
Waterloo, IA
Manufactured Housing Loans
Sioux City, IA
Manufactured Housing Loans
Topeka, KS
Manufactured Housing Loans
Lubbock, TX
Manufactured Housing Loans
Midland, TX
Manufactured Housing Loans
Abilene, TX
Manufactured Housing Loans
Tyler, TX
Manufactured Housing Loans
Waco, TX
Manufactured Housing Loans
Beaumont, TX
Manufactured Housing Loans
Corpus Christi, TX
Manufactured Housing Loans
Killeen, TX
Manufactured Housing Loans
Round Rock, TX
Manufactured Housing Loans
Brownsville, TX
Manufactured Housing Loans
Laredo, TX
Manufactured Housing Loans
Flagstaff, AZ
Manufactured Housing Loans
Yuma, AZ
Manufactured Housing Loans
Santa Barbara, CA
Manufactured Housing Loans
San Luis Obispo, CA
Manufactured Housing Loans
Santa Cruz, CA
Manufactured Housing Loans
Palm Springs, CA
Manufactured Housing Loans
Visalia, CA
Manufactured Housing Loans
Salinas, CA
Manufactured Housing Loans
Chico, CA
Manufactured Housing Loans
Redding, CA
Manufactured Housing Loans
Victorville, CA
Manufactured Housing Loans
Temecula, CA
Manufactured Housing Loans
Oxnard, CA
Manufactured Housing Loans
Modesto, CA
Manufactured Housing Loans
Missoula, MT
Manufactured Housing Loans
Billings, MT
Manufactured Housing Loans
Great Falls, MT
Manufactured Housing Loans
Helena, MT
Manufactured Housing Loans
Bozeman, MT
Manufactured Housing Loans
Idaho Falls, ID
Manufactured Housing Loans
Pocatello, ID
Manufactured Housing Loans
Twin Falls, ID
Manufactured Housing Loans
Casper, WY
Manufactured Housing Loans
Bismarck, ND
Manufactured Housing Loans
Minot, ND
Manufactured Housing Loans
Rapid City, SD
Manufactured Housing Loans
Macon, GA
Manufactured Housing Loans
Columbus, GA
Manufactured Housing Loans
Florence, AL
Manufactured Housing Loans
Dothan, AL
Manufactured Housing Loans
Gulfport, MS
Manufactured Housing Loans
Hattiesburg, MS
Manufactured Housing Loans
Fredericksburg, TX
Manufactured Housing Loans
Lynchburg, VA
Manufactured Housing Loans
Hagerstown, MD
Manufactured Housing Loans
Salisbury, MD
Manufactured Housing Loans
Trenton, NJ
Manufactured Housing Loans
Atlantic City, NJ
Manufactured Housing Loans
Reading, PA
Manufactured Housing Loans
York, PA
Manufactured Housing Loans
Erie, PA
Manufactured Housing Loans
State College, PA
Manufactured Housing Loans
Charleston, WV
Manufactured Housing Loans
Huntington, WV
Manufactured Housing Loans
Wheeling, WV
Manufactured Housing Loans
Manchester, TN
Manufactured Housing Loans
Clarksville, TN
Manufactured Housing Loans
Johnson City, TN
Manufactured Housing Loans
Bowling Green, KY
Manufactured Housing Loans
Owensboro, KY
Manufactured Housing Loans
Paducah, KY
Manufactured Housing Loans
Rock Hill, SC
Manufactured Housing Loans
Florence, SC
Manufactured Housing Loans
Hilton Head Island, SC
Manufactured Housing Loans
Wilmington, DE
Manufactured Housing Loans
Dover, DE
Manufactured Housing Loans
Manchester, CT
Manufactured Housing Loans
Bridgeport, CT
Manufactured Housing Loans
Bangor, ME
Manufactured Housing Loans
Albany, NY
Manufactured Housing Loans
Binghamton, NY
Manufactured Housing Loans
Poughkeepsie, NY
Manufactured Housing Loans
Utica, NY
Manufactured Housing Loans
Lowell, MA
Manufactured Housing Loans
Springfield, IL
Manufactured Housing Loans
Decatur, IL
Manufactured Housing Loans
Bloomington, IL
Manufactured Housing Loans
Joliet, IL
Manufactured Housing Loans
Elgin, IL
Manufactured Housing Loans
Waukegan, IL
Manufactured Housing Loans
Rockford, IL
Manufactured Housing Loans
La Crosse, WI
Manufactured Housing Loans
Kenosha, WI
Manufactured Housing Loans
Racine, WI
Manufactured Housing Loans
Yakima, WA
Manufactured Housing Loans
Kennewick, WA
Manufactured Housing Loans
Bellingham, WA
Manufactured Housing Loans
Olympia, WA
Manufactured Housing Loans
Tacoma, WA
Manufactured Housing Loans
Eugene, OR
Manufactured Housing Loans
Medford, OR
Manufactured Housing Loans
Astoria, OR
Manufactured Housing Loans
Financing Programs
Manufactured Housing properties qualify for a variety of commercial loan programs. Explore your options.
Permanent Loans
5.34% - 8.25%
Construction Loans
6.23% - 13.04%
Bridge Loans
6.79% - 13.04%
SBA Loans
5.54% - 8.25%
Mezzanine & Preferred Equity
10% - 18%
Specialty Financing
5.54% - 13.04%
Agency Loans
5.34% to 6.75%
HUD/FHA Multifamily Loans
5.25% to 6.75%
CMBS Loans
5.50% to 7.50%
Net Lease Financing
CMT + 190 bps to 7.50%
Life Company Loans
5.00% to 6.50%
DSCR Loans
6.75% - 10.50%
Hard Money Loans
9.00% - 14.00%
Portfolio Loans
6.50% - 10.00%
Fix and Flip Loans
9.00% - 13.50%
Stated Income Loans
7.00% - 11.00%
Bridge-to-Perm Loans
Construction SOFR plus 250 to 400, Permanent locked at close
Related Insights
Market Insights
Manufactured Housing Investing in Palm Springs: A Complete Guide
A comprehensive guide to manufactured housing investing in Palm Springs, covering market metrics, property subtypes, financing options, top submarkets, and the investment thesis for 2026.
Market Insights
Manufactured Housing Investing in Santa Cruz: A Complete Guide
A comprehensive guide to manufactured housing investing in Santa Cruz, covering market metrics, property subtypes, financing options, top submarkets, and the investment thesis for 2026.
Market Insights
Manufactured Housing Investing in San Luis Obispo: A Complete Guide
A comprehensive guide to manufactured housing investing in San Luis Obispo, covering market metrics, property subtypes, financing options, top submarkets, and the investment thesis for 2026.
FAQ
Manufactured Housing Financing FAQ
Finance Your Manufactured Housing Property
Contact Commercial Lending Solutions for a free, no-obligation quote on manufactured housing financing. We respond within 24 hours.
Apply for Financing →