BearCrestFunding
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BearCrest loan program

Land + Manufactured Home Financing

Short-term investor financing that can combine a land purchase with the delivery, installation, and setup of a new manufactured home.

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The BearCrest advantage

Financing options built around your opportunity.

We offer one coordinated financing structure for the land and the manufactured-home project. Qualifying transactions may receive up to 80% of the land purchase plus up to 100% of eligible setup and construction costs, subject to a maximum of 70% of the completed property value.

Up to 80% of land purchaseUp to 100% of eligible setupNo credit or income verification

Who it’s for

Experienced real estate investors acquiring or already owning land and placing a manufactured home through an authorized dealer or licensed contractor.

What we offer

A financing path built around the project.

  • Up to 80% of the qualifying land purchase
  • Up to 100% of eligible setup and construction costs
  • Maximum leverage of up to 70% of completed value
  • Six-month, interest-only structure with no prepayment penalty; extensions may be available

What we can consider

Where this program can fit.

  • Consider qualifying investor projects without traditional credit-score or income verification
  • Use a broker price opinion instead of a full appraisal when the program permits
  • Fund the dealer deposit at closing and the remaining home cost when the home is delivered
  • Finance eligible site preparation, installation, final setup, and exterior improvements through draws
  • Consider projects in SC, NC, GA, TN, LA, AL, FL, VA, TX, and select areas of OH

Important limitations

What borrowers should know.

  • This program is for experienced real estate investors and business-purpose transactions—not an owner-occupied home purchase
  • The property must close in an eligible entity such as an LLC
  • A licensed contractor or authorized dealer must complete the installation
  • Low land-purchase prices may require a larger borrower contribution
  • Land access, survey or plat, septic or perc approval, insurance, and an itemized dealer contract must be verified

The process

From opportunity to a clear financing plan.

  1. 01

    Submit the land contract or proof of ownership

  2. 02

    Provide the manufacturer contract with home, delivery, deposit, and installation costs itemized

  3. 03

    Document the site plan, access, survey or plat, septic or perc approval, contractor, and insurance

  4. 04

    Close the land and dealer deposit, then complete the remaining work through the approved draw process

Important to know

Dealer payments and construction draws follow specific milestones. Changes to the approved home, model, serial number, contractor, or budget must be disclosed and approved before funds are released.

Have a property in mind?

Tell BearCrest about the property, the project, and what you want to accomplish.

Apply for Land + Manufactured Home Financing