Manufactured home flip loans — South Carolina 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.
South Carolina Upstate and Pee Dee rural markets offer $75K–$160K acquisition bases with Charlotte and Greenville spillover demand. Inland Laurens and Greenwood counties trade below stick-built entry while attracting FHA-eligible buyer pools on updated double-wides. Rate and leverage bands: fix and flip loan rates
Landlord context: SC landlord-friendly guide · DSCR hold exit: DSCR loans for manufactured homes · South Carolina DSCR
South Carolina market fit
| Market | Why it works | Diligence |
|---|---|---|
| Laurens / Greenwood | Greenville exurban | Comp radius |
| Chesterfield / Darlington | Pee Dee low basis | Rural comps |
| Horry inland | Myrtle spillover | Flood zones near coast |
| Anderson / Oconee fringe | Charlotte spillover | Well/septic |
ARV guide: manufactured home ARV and comps · Flip guide: flipping mobile homes with land
Jaken terms (South Carolina 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 — Laurens County double-wide
| Line | Amount |
|---|---|
| Purchase | $92,000 — 2002 double-wide on 0.8 acres, permanent foundation |
| Rehab | $30,000 — HVAC, kitchen, deck, skirting, interior paint |
| ARV | $162,000 — real-property comps within 12 miles |
| Hard money | 87% LTC + full rehab holdback at 8.99%–13.5% IO |
| Holding costs | ~$7,800 — interest, taxes, insurance over 6 months |
| Exit | FHA sale at $159,000 — 6-month hold, ~$23K net before tax |
South Carolina diligence checklist
- Real property title — affixation and title retirement before closing
- HUD data plate and foundation engineer letter — required for FHA exit
- Wind/flood insurance quote — Horry and coastal-adjacent counties
- Real-property comps only — no stick-built MLS imports
- Well + septic inspection — common on Upstate acreage
- Park-lot confusion — pad-lease deals use chattel, not this product
Exit alternatives
| Exit | When |
|---|---|
| Retail flip (FHA/VA) | Permanent foundation + HUD labels |
| BRRRR hold | DSCR loans South Carolina after lease-up |
| Wholesale | Assign if ARV supports end buyer hard money |
Exit and refinance path
Upstate Greenville and Spartanburg exurban MH flips offer lower basis than Lowcountry with thinner insurance load inland. Coastal SC flood and wind quotes can block FHA buyer pool — verify before acquisition on near-beach parcels. Compare inland vs coastal thesis: South Carolina flip loans.
Related South Carolina programs
- Fix and flip loans South Carolina
- Hard money lenders South Carolina
- Mobile home park loans South Carolina
- Fix and flip calculator
Get pre-qualified · Submit flip file · (833) 264-7776
South Carolina example — nationwide lending on real-property manufactured flips.