West · Washington · Manufactured Housing · First lien
Manufactured housing hard money loans in Spokane, WA.
First-position manufactured housing loans in Spokane, Washington (WA) — typically $1M–$5M, larger considered — for acquisitions, maturities, bridge and value-add plans. Reviewed and decided directly by the principals.
Spokane market context
The Spokane economy behind the collateral.
Spokane serves as a regional trade and healthcare hub for the Inland Northwest, with a manufacturing and logistics base tied to rail access.
Requests here often involve industrial development near rail corridors and healthcare-adjacent commercial projects.
Economic anchors
- Providence Sacred Heart Medical Center
- Fairchild Air Force Base
- Gonzaga University
- Inland Northwest rail network
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 Spokane.
- 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 Washington? 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
Spokane, WA manufactured housing loan request.
Questions
Spokane, WA manufactured housing loans, answered.
- Does Stokley Capital make manufactured housing loans in Spokane, WA?
- Yes. We make first-position manufactured housing hard money and bridge loans in Spokane, Washington (WA), typically $1M–$5M, with larger loans considered.
- What drives the Spokane market?
- Spokane serves as a regional trade and healthcare hub for the Inland Northwest, with a manufacturing and logistics base tied to rail access.
- What should a Spokane 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 Spokane?
Send the property, amount and deadline. A principal will respond directly.