Loan Programs

We provide private lending for manufactured home investors across North Carolina. Our programs are designed for experienced investors focused on flip and spec build projects.

Spec Builder Loan Program

Financing for investors placing new manufactured homes on owned lots in North Carolina.

Program Overview

We provide funding for investors developing manufactured home spec projects. This includes lot acquisition, home purchase, and placement costs. Our focus is on practical projects with clear resale potential.

We understand the manufactured housing placement process including site prep, setup, and resale timelines.

Typical Structure

Loan amounts: $75K – $250K
Interest only structure
6–12 month terms
Investor equity required (cash, lot equity, or cross-collateral)
NC attorney closing
Fast Underwriting

Real property collateral required (no chattel loans)

Manufactured Home Flip Loan Program

Financing for investors purchasing and renovating existing manufactured homes on owned land in North Carolina.

Program Overview

We provide funding for investors acquiring existing manufactured homes that need renovation and resale. Our focus is on practical projects with clear scopes of work, realistic budgets, and strong resale potential. Properties must be permanently affixed and classified as real property. This can be done at closing.

Also, the home must have never been moved from its original location once moved and set from factory.

Typical Structure

Loan amounts: $75K – $200K
Interest only structure
6–12 month terms
Investor equity required (cash, lot equity, or cross-collateral)
NC attorney closing
Fast Underwriting

Real property collateral required (no chattel loans)

Borrower Requirements

We work with investors who meet these basic guidelines.

Ideal Projects

Borrower Expectations

Start a Funding Conversation

If you have a manufactured home flip or spec build project in North Carolina, contact us to discuss funding.