Northeast · Pennsylvania · Manufactured Housing · First lien
Manufactured housing hard money loans in Harrisburg, PA.
First-position manufactured housing loans in Harrisburg, Pennsylvania (PA) — typically $1M–$5M, larger considered — for acquisitions, maturities, bridge and value-add plans. Reviewed and decided directly by the principals.
Harrisburg market context
The Harrisburg economy behind the collateral.
Harrisburg serves as Pennsylvania's state capital and a regional logistics hub given its position along Interstate 81 and Interstate 83.
Stokley Capital considers industrial and office financing tied to Harrisburg's government and logistics base.
Economic anchors
- Pennsylvania state government
- Harrisburg International Airport
- Interstate 81 and 83 interchange
Manufactured Housing underwriting
What we look at first.
- Lot rent, occupancy and collections
- Park-owned homes versus resident-owned homes
- Water, sewer and utility infrastructure
- Local regulation and rent-control exposure
- Operator experience and the infill plan
Situations
Manufactured housing loans we see in Harrisburg.
- Acquisitions from long-time family owners
- Infrastructure upgrades banks will not fund
- Infill and home-placement programs
- Maturities on parks still converting to resident-owned homes
Selling a manufactured housing property in Pennsylvania? Stokley also buys real estate as a principal. Submit it for acquisition.
Hard money lending guidelines
Asset-based financing. We focus on the property's value and the owner's equity, not a credit score. Low credit does not rule out a request. Every deal is subject to underwriting.
- Annual rate
- From 11.5%
- Origination
- From 2% of the loan amount
- Term
- 6 to 12 months
- Payments
- Interest only
- Loan-to-value
- Up to 70%
- Lien position
- First position only
Third party closing costs are separate.
Every term sheet is different. Every deal goes through underwriting and has specific terms. These are guidelines, not a commitment to lend.
Request loan terms
Harrisburg, PA manufactured housing loan request.
Questions
Harrisburg, PA manufactured housing loans, answered.
- Does Stokley Capital make manufactured housing loans in Harrisburg, PA?
- Yes. We make first-position manufactured housing hard money and bridge loans in Harrisburg, Pennsylvania (PA), typically $1M–$5M, with larger loans considered.
- What drives the Harrisburg market?
- Harrisburg serves as Pennsylvania's state capital and a regional logistics hub given its position along Interstate 81 and Interstate 83.
- What should a Harrisburg manufactured housing loan request include?
- Property address, loan amount and purpose, current income and occupancy, existing debt, the business plan and the deadline. Rent rolls and operating statements help but are not needed for a first read.
- Are you a broker?
- No. Stokley Capital is a private real estate owner-operator that provides business-purpose loans. Decisions are made by the principals.
Nothing on this website is an offer to lend or a commitment of capital. All loans are subject to underwriting, due diligence, documentation and approval. Published lending guidelines are for general guidance only. Every deal goes through underwriting and has specific terms.
Next step
Financing manufactured housing in Harrisburg?
Send the property, amount and deadline. A principal will respond directly.