RV park loans in Texas — regional market guide. Nationwide: Jaken finances RV parks in all 50 states. Hub: RV park financing guide · Refinance: RV park refinance
Texas RV inventory spans destination Hill Country resorts, Gulf Coast snowbird pads, and I-35 overnight stops — three segments that cannot share one DSCR model. Rate comparison: RV park loan rates 2026.
Acquisition playbook: how to buy an RV park · SBA path: SBA vs bridge for campgrounds
Texas RV park segments
| Segment | Geography | ADR / occupancy profile |
|---|---|---|
| Hill Country destination | Fredericksburg, Kerrville, Bandera | Premium ADR; Mar–Nov peak |
| Gulf Coast snowbird | Corpus, Port Aransas, South Padre fringe | Oct–Apr fill; hurricane reserve |
| I-35 travel corridor | Waco to San Antonio | Transient overnight; lower ADR, steadier |
| West Texas | Permian fringe | Worker-adjacent — verify durability |
Worked example — Hill Country 48-pad acquisition
$1.65M — 68% annualized occupancy, mix of 30-amp and 50-amp pads, Kerr County
| Phase | Detail |
|---|---|
| Bridge | 68% LTV + $180K PIP holdback (50-amp upgrades, bathhouse) |
| PIP timeline | 8 months — pad electric + WiFi |
| Post-PIP ADR | +14% vs trailing 12 |
| Occupancy | 68% → 79% (trailing 12) |
| Refi target | SBA 7(a) at 1.26x DSCR on T-12 |
Cap rates: RV park cap rates and valuation
Seasonality — Texas DSCR modeling
Lenders require trailing 12-month P&L, not peak-month annualization:
| Month type | Hill Country | Gulf Coast |
|---|---|---|
| Peak | Mar–May, Oct–Nov | Jan–Mar snowbird |
| Trough | Jan–Feb | Aug–Sep hurricane season |
| Reserve | 3–6 months PITIA on bridge | Wind/flood quote in pro forma |
Texas diligence checklist
- Pad electric amperage — 50-amp demand rising with larger RVs
- Septic / wastewater capacity — expansion limits on rural parks
- Transient vs long-term site rent mix — different revenue stability
- FEMA flood zone — coastal and river-adjacent pads
- County STR / campground licensing — varies by municipality
Hill Country vs Gulf Coast — financing contrast
| Factor | Hill Country | Gulf Coast snowbird |
|---|---|---|
| Peak season | Mar–Nov weekends | Oct–Apr snowbird |
| Insurance load | Moderate wind | Wind + flood reserve required |
| ADR profile | Premium destination | Volume transient |
| Bridge fit | PIP + ADR growth | Post-storm insurance diligence |
| Permanent refi | SBA 7(a) at 75%+ occ | T-12 must show hurricane-season trough |
Exit and refinance path
Texas sponsors cross-shop Hill Country destination vs Gulf Coast snowbird assets — different insurance load, seasonality, and refi timeline. Permian fringe worker-adjacent parks need occupancy durability analysis beyond oil-cycle peaks. Pad electric amperage upgrades drive ADR growth on 30-amp legacy parks — sequence PIP before permanent refi application.
Related Texas programs
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