Mobile Home Park Hard Money Lender

We DO NOT FINANCE individual mobile homes - The financing Direct Money Lenders offers are only available for the park itself. Underwriting will use the income derived from either the rental income of the pad or the income from the park owned home. Although somewhat limited, our bridge loan or hard money loan financing for Mobile Home Parks is offered within our product suite

Hard money loans for mobile home parks and manufactured housing communities located in average to above-average locations on a Nationwide basis are available.

Direct Money Lender's experts will give you a quick and HONEST answer.


Not all mobile home park capital sources are the same and we CAN be flexible in underwriting if the deal makes since. Underwriting guidelines and mortgage rates for a mobile home park is directly related to the overall risk of the property & borrower given each unique situation.

Each park is underwritten using a 1 to 5 star system. 1 star being dirt/gravel roads, no amenities, older mobile homes, numerous park owned homes, high single wide ratio, etc - 5 star mobile home parks would suggest paved roads, curbs & guttered streets, lot rent controlled, individual meters, concrete pads, pool, clubhouse, well located metro areas, etc.

Mobile home park mortgage loans under $500,000, the park can be under a 3 star and underwriting can consider majority "park owned" home parks - No value will be given to the park owned homes. Cash flow, NOI, and reasonable CAP rate will be the driving force for value - Loans above $500,000 the park must be at least a 3 star and underwriting preferred pad income parks using the same cash flow analysis as a multifamily apartment building.

Call us today - 800-838-1889 - Many Hard Money Mobile Home Park Loans Types Considered!

General Guidelines:

Eligible Properties Purchase - Refinance - Cash out - Bank owned, REO properties, Ballooning/Called notes
Minimum Loan Size $1,000,000 - $3,000,000+ - Smaller loans please visit our Micro Balance Matrix
Pricing 9.99% - 12.99% Interest only - 2% - 5% Origination points (paid at closing)
Loan Terms 12 - 36 months from initial investment - 25 year fixed term offered on Micro Balance
Prepayment Penalty Usually None
Personal Guarantees Prefered
Loan-to-Value 65% AS-IS maximum LTV/LTC- As completed LTV is not considered
New Equity (cash) Requirements Typically no new cash for Refinance or cash out - Purchase minimum equal to the LTV allowed -
Third Party Reports Appraisal - Collateral value opinion
Phase 1 environmental report or Insurance
DML Property inspection (case-by-case)
ALTA title and land survey
Preliminary Submission Package For Mobile Home Parks: 1. Well written summary OR our online application - Top of page
2. Representative color photographs OR older appraisal
3. Current, detailed Rent Roll, including the unit mix
4. Historical & YTD operating statements
5. Why the need for Hard Money
6. Sources and uses
7. Resume or Bio

Don't take our word for it...

"Mobile home park financing is difficult to locate. Once I found this site, I was enthused! - Great website for hard money loans!

Roland Mills, Sisters, Oregon

"Many lenders didnt understand my mobile home park purchase and I was getting frustrated with the lenghty process. I found Direct Money Lenders and was happy how quickly a decision was made."

Edgar Thomson, Tampa, Florid

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Mobile Home Park Financing

Bridge loans are available for virtually any type of borrower or park condition.

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With years working experience in the mortgage lending industry, Direct Money Lenders has always set ourselves apart from our competitors by providing top quality service by instilling the importance of HONEST customer service in our corporate culture.

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