Recently Funded: Manufactured Home Fix & Flip in Sun Valley, NV
Not every deal fits neatly into a lender’s box, but that is what makes this one interesting for us to share. Many lenders would say no to a manufactured home fix and flip, but we leaned in. 😎
We recently funded a fix-and-flip project in Sun Valley, Nevada involving a manufactured home, a property type that most lenders tend to avoid. With a purchase price of $245,000, our borrower needed a financing partner who could move quickly and look beyond the usual restrictions. We provided a $200,000 loan, giving them the leverage to secure the property and still preserve cash for renovations.
Deal Snapshot
- Location: Sun Valley, NV
- Property Type: Manufactured Home
- Purchase Price: $245,000
- Loan Amount: $200,000
- Strategy: Fix & Flip
Manufactured homes can be tricky in the lending world. Valuations aren’t always straightforward, comparable sales can be limited, and many institutional programs are built around traditional single-family homes. Even standard bridge loan guidelines tend to favor more conventional assets with predictable resale comps . Because of that, a lot of lenders simply pass—regardless of whether the deal itself actually makes sense.
That’s where investors can gain an edge in a competitive fix and flip environment.
Why this product types is often ideal for investors:
- Lower competition: Demand for manufactured homes is often much lower for various reasons – this can create opportunities to negotiate a nice profit margin is lower competition market.
- Strong starting basis: Purchased at a level that supports a profitable exit, and very executable business plan.
- Clear & scalable business plan: Renovate quickly, improve the value, and resell into the retail market at an entry level.
- Lower entry level price point: Newer investors are often limited on capital and this can be a great asset class to get started.
- Local Knowledge: We often see this asset class controlled by investors with intimate hyper local knowledge of the neighborhood or the manufactured home park in particular. One project can often lead to repeat investments.
The Bigger Takeaway
Some of the best deals aren’t the cleanest ones—they’re the ones other lenders or investors overlook.
Manufactured homes, unique properties, and other “out-of-the-box” assets can offer real upside, but they require a lender who understands how to evaluate the full picture. We’re not just checking boxes—we’re looking at the deal, the borrower, and the exit strategy together and making an informed decision. Common sense underwriting that doesn’t always fit in a box.
If you’re coming across opportunities that don’t quite fit conventional financing, that is often where we can help you find success…
Contact us by phone
(858)720-0229









