Mid-Atlantic · Manufactured Housing · First lien

    Manufactured housing hard money loans in West Virginia (WV).

    First-position manufactured housing loans across West Virginia (WV). Typical loan size: $500,000 to $5 million. Larger loans up to $10 to $15 million are considered case by case. No loans under $500,000. Reviewed and decided directly by the principals.

    Yes. Stokley Capital makes first-position manufactured housing hard money and bridge loans across West Virginia (WV), typically $500,000 to $5 million, with larger loans up to $10 to $15 million considered case by case and no loans under $500,000. Every loan is business-purpose and subject to underwriting.

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    West Virginia market context

    The economy behind the collateral.

    West Virginia's economy is historically tied to coal, natural gas and chemical production, with a growing presence in healthcare, tourism, and logistics tied to Appalachian highway corridors. Its terrain has concentrated commercial activity in a smaller number of regional centers.

    • Energy and natural gas
    • Chemical manufacturing
    • Healthcare
    • Tourism and outdoor recreation
    • Higher education

    Manufactured Housing underwriting

    Sized to as-is value.

    Loans are sized to as-is real estate value, in first position, as bridge and hard money. Net operating income and projections do not set the loan amount.

    • 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 West Virginia.

    • 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 West Virginia? Stokley Capital is also a real estate investment firm. We acquire, own and operate real estate across the United States. Submit it for acquisition.

    West Virginia metros

    Local lending pages.

    We lend across West Virginia, not only in these metros. Each page covers the local economy and a direct request form.

    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.

    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

    West Virginia manufactured housing loan request.

    Loan request

    1. Contact
    2. Deal
    3. Documents

    Step 1 of 3 · about 20 sec left

    Only your email is required. No application fee, no obligation.

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    Submit a deal if you only have the basics.

    Submitting a request is not an application for credit and creates no obligation on either side. Any financing is subject to underwriting, diligence and approval.

    Questions

    West Virginia manufactured housing loans, answered.

    Does Stokley Capital make manufactured housing loans in West Virginia?
    Yes. We make first-position manufactured housing hard money and bridge loans throughout West Virginia (WV), including Charleston, Huntington, Morgantown and smaller markets.
    How large are your West Virginia manufactured housing loans?
    Typical loan size: $500,000 to $5 million. Larger loans up to $10 to $15 million are considered case by case. No loans under $500,000.
    What should a West Virginia 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 direct private lender. Requests are reviewed and decided in-house.

    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 West Virginia?

    Send the property, amount and deadline. A principal will respond directly.

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