An RV park loan file needs site mix (long-term vs transient), monthly occupancy, off-season cash flow, and utility capacity — hospitality NOI, not a residential rent roll.
RV parks and campgrounds are outdoor hospitality, not residential rentals. Lenders want to know what fills the park in July, what it earns in January, and whether the electric and septic can support the pad count you are buying. This checklist is what most banks, credit unions, and CRE desks request on an RV park acquisition or refinance.
Jaken Finance Group finances RV parks and campgrounds in all 50 states. Value-add bridge typically prices at 8.99%–13.5% interest-only. Stabilized parks that can show 1.25x DSCR often exit to SBA or bank debt. Start at the RV park financing guide.
Break revenue into site rent, store, propane, laundry, storage, and events. A single “income” line hides seasonality and makes underwriting guess.
Who this checklist is for
Investors buying or refinancing an RV park or campground. Category: Outdoor hospitality.
How Jaken Finance Group reads this file
Peak occupancy needs a driver you can show: highway, snowbird season, a recurring rally. Narrative without monthly occupancy is not enough.
30/50-amp capacity and septic or lagoon condition cap how many sites you can actually rent. Will-serve and last pump-out belong in the first upload.
Park models and resident-owned structures should be listed separately from transient pads so title and personal property do not get mixed.
Apply at commercial loan request or call (833) 264-7776.
What delays this file
- Site count not broken into long-term, seasonal, and overnight
- Occupancy given as an annual average that hides the winter trough
- Store and propane income mixed into site rent
- No septic inspection or well test on a private system
- Transient/STR permit assumed, not documented
- Propane or fuel storage omitted from the environmental disclosure
How to assemble the packet
- Inventory the sites. Total pads by long-term, seasonal, and transient; hookup type; park models or cabins; and a numbered site map.
- Show monthly occupancy and rate. Two to three years of occupancy by site type, ADR or monthly rate history, and what drives the peak season — with the off-season P&L attached.
- Prove utilities and license. Water, sewer or septic, 30/50-amp capacity, campground license, zoning, and any transient-rental permit.
- Submit the hospitality file. Add entity docs, sponsor RV or hospitality experience, and the purchase contract. Upload on the commercial request form.
Program page: RV park & campground financing · Related: How to buy an RV park · RV park refinance · RV park loan rates · Glamping financing
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48 items · 10 sections
0 of 48 collected
1. Entity & legal documents
2. Property & site information
3. Utilities & infrastructure
4. Financial performance
5. Occupancy, rate & seasonality data
Be ready to show what drives peak occupancy and how cash flow performs in the off-season — with data, not just narrative.
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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