Manufactured home flip loans — Georgia market example. Jaken finances manufactured home fix and flip projects nationwide in all 50 states when the home is real property on owned land. National program: mobile home fix and flip loans.
Georgia offers North GA exurban and I-75 corridor rural inventory at $75K–$155K acquisition bases. Atlanta MSA spillover creates FHA buyer demand for updated double-wides on owned acreage.
DSCR hold exit: DSCR loans for manufactured homes · Georgia DSCR
Georgia market fit
| Market | Why it works | Diligence |
|---|---|---|
| Hall / Jackson / Bartow | Atlanta exurban spillover | Well/septic, comp radius |
| South GA rural | Low basis | Distance to comps |
| North GA mountains | Seasonal buyer pool | Steeper access, septic |
| Coastal GA | Limited MH inventory | Flood zones |
Jaken terms (Georgia manufactured flip)
| Parameter | Range |
|---|---|
| Rates | 8.99%–13.5% IO |
| LTC | Up to 90% purchase + 100% rehab |
| ARV cap | 75% |
| Close | 7–10 business days |
Worked example — Hall County double-wide
| Line | Amount |
|---|---|
| Purchase | $102,000 — 2003 double-wide on 0.6 acres |
| Rehab | $35,000 — HVAC, kitchen, deck, skirting |
| ARV | $175,000 |
| Hard money | 86% LTC + full rehab holdback |
| Exit | FHA sale at $172,000 — 7-month hold |
Georgia diligence checklist
- Real property title — land + affixed home on deed, not chattel/DMV only
- HUD certification and foundation engineer letter — FHA exit requirement
- Comp radius discipline — rural South GA may need 15-mile manufactured comps
- Well + septic inspection — standard on exurban Hall/Jackson acreage
- Access and slope — North GA mountain parcels affect contractor bids and ARV
- Park-lot vs land-owned — pad-lease deals use chattel, not hard money flip product
Georgia market risks
North Georgia mountain counties offer seasonal buyer pools but steeper access, septic limits, and longer DOM can extend hold time. South Georgia rural markets have lower basis but narrow comp sets — underwriters haircut ARV when only 2–3 manufactured sales exist within radius. Atlanta exurban spillover (Hall, Jackson, Bartow) balances FHA demand with manageable insurance vs Florida coastal.
Exit alternatives
| Exit | When |
|---|---|
| Retail flip (FHA/VA) | Updated double-wide on owned acreage with documented comps |
| BRRRR hold | DSCR loans Georgia when rent supports 1.20+ DSCR |
| Wholesale | Assign contract if buyer qualifies on real-property collateral |
Exit and refinance path
Atlanta exurban Hall and Jackson counties support FHA retail exit on updated double-wides when foundation engineer letter and HUD labels are clean. North Georgia mountain parcels may extend DOM — price hold time into hard money term before LOI. BRRRR alternative: DSCR loans Georgia when flip spread falls under $15K net. ARV: manufactured home ARV and comps.