A manufactured housing community loan adds amenities, age-restriction (HOPA) files, and community-owned rental homes on top of the land-lease packet — lenders price those items separately from pad rent.
“Mobile home community” on this checklist means a manufactured housing community with amenities, age-restricted occupancy, or a meaningful share of community-owned rental homes — not just a pad-rent land-lease. Banks and CRE lenders will ask for these extras because they change NOI, compliance, and exit options (including agency MHC programs).
Jaken Finance Group underwrites MHC bridge and value-add files nationwide at 8.99%–13.5% interest-only on qualified deals. Agency-adjacent takeouts usually want 50+ sites, city water and sewer, low community-owned-home ratios, and 80%+ occupancy. See the MHP / MHC program page and the bridge-to-agency playbook.
If your park is a simple land-lease with few amenities, start with the mobile home park loan checklist. Use this list when the clubhouse, 55+ file, or community-owned rental homes are part of the story you are asking a lender to believe.
Who this checklist is for
Investors buying a manufactured housing community with amenities, age restriction, or community-owned homes. Category: MHC / amenities / 55+.
How Jaken Finance Group reads this file
55+ communities need HOPA occupancy verification — a marketing flyer that says “active adult” is not compliance. Lenders will ask for the file.
Community-owned rental homes raise gross rent and raise habitability, turnover, and chattel risk. Inventory them by age, size, condition, and title/VIN.
Waitlist and absorption data matter more on amenity communities than on a rural pad park. Bring 24 months, not a claim that “homes fill fast.”
Apply at commercial loan request or call (833) 264-7776.
What delays this file
- 55+ claim with no HOPA occupancy verification
- Amenity list with no condition or CapEx for the clubhouse or pool
- Community-owned homes not inventoried separately from site rent
- Resident association or HOA-style rules omitted
- Waitlist described in conversation, not in a report
- State MHC registration or community license missing
How to assemble the packet
- Document the community, not just the pads. Site plan, home-site count, resident-owned vs community-owned split, amenity list and condition, and HOPA file if the community is age-restricted.
- Separate site rent from home rent. Build a rent roll that shows site rent, community-owned home rent, and ownership status by unit. Keep amenity expense on its own lines.
- Prove occupancy quality. Monthly occupancy by ownership type, waitlist or absorption, turnover, and community rules or resident-association documents.
- Add utilities, license, and submit. Water/sewer permits, community license, entity and sponsor MHC experience, then upload on the commercial request form.
Program page: Manufactured home community financing · Related: Mobile home park checklist · Bridge-to-agency MHP playbook · MHP refinance & cash-out · MHP loan calculator
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49 items · 10 sections
0 of 49 collected
1. Entity & legal documents
2. Property & site information
Age-restricted communities need documented HOPA occupancy verification.
3. Utilities & infrastructure
4. Financial performance
5. Occupancy & community data
6. Licensing, zoning & compliance
7. Environmental & flood
8. Sponsor / guarantor financials
9. Purchase & appraisal-related (acquisitions only)
10. Additional items commonly requested
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Other loan checklists
- Large Development Loan Checklist — Ground-up construction
- Commercial Property Loan Checklist — Office, retail, industrial, mixed-use
- Assisted Living Loan Checklist — Senior housing & RAL
- Mobile Home Park Loan Checklist — Land-lease MHP
- RV Park Loan Checklist — Outdoor hospitality