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Financing Mobile Homes
Just Got Easier.

Invest in a Change.

Mobile Home Industry

Growth in the

Growth Projections

As of 2021, approximately 21 million Americans reside in mobile homes. This number reflects the growing demand for affordable housing options.The demand for mobile homes is expected to surge by 15% annually over the next 15 years, underscoring an urgent need for more mobile home parks and reliable mobile home financing options.

Challenges Ahead

The high demand for affordable housing is a significant challenge for many low-income households and retirees. Despite higher interest rates, mobile homes are an affordable housing option for those on a limited budget, and many borrowers are willing to pay the monthly amount, as it fits within their budget and allows them to maintain their homes. 

Economic Factors

The widening gap between apartment rental costs and mobile home ownership is making the latter more appealing. Mobile homes offers borrowers a chance to build equity, contrasting sharply with the transient nature of renting. Owning a mobile home can provide residents with the opportunity to build equity over time.

Invest With Confidence

Keyhole Connect is revolutionizing the mobile home financing market, making it simpler and more accessible for investors to contribute to a sector ripe with potential. ​Keyhole Connect invites you to invest in a change that matters.


Broad Access:  Whether you're an accredited investor looking to diversify through our funds or seeking direct investment opportunities without accreditation requirements, Keyhole Connect has a path for you.​

Investment Scale:  With options ranging from $50,000 to over $1,000,000, you can choose the scale of your investment to match your financial goals.

Impressive Returns:  Our investors are experiencing remarkable returns on their investments, ranging from 11% to over 12%. With a track record of success, you can trust us to help you achieve your financial aspirations.

Tailored Loan Terms:  We offer flexibility for borrowers to choose their loan terms, ranging from 5 to 10 years. This personalized approach ensures that they can select a repayment schedule that aligns perfectly with their financial situation.

Loan Guarantee:  Each investment comes with a Loan Guarantee, ensuring that if a borrower defaults, a guarantor will step in, maintaining uninterrupted payments to you, the investor.

Monthly Distributions:  Enjoy the benefits of consistent monthly income, contributing to a steady cash flow from your investment portfolio.

SDIRA Compatibility: Keyhole Connect accommodates investments through Self-Directed IRAs (SDIRAs), offering a tax-efficient way to grow your retirement savings.


A Simple & Quick Process


Park Approval

If living in a park community, the borrower fills out the park application. If living on private property, we have other guidelines to follow.


Borrower Application

The borrower fills out our application that goes to our underwriter, who analyzes it to see if the borrower can afford to live in the community, as well as be a good neighbor.


Insure The Home

The borrower needs to insure their home to protect it against any disasters. They must also list the investor as the additional lien holder.



Close the Deal!

Once the previous steps have been complted, the borrower signs the Mobile Home Agreement, the investor signs the Loan Guarantee agreement and the deal is complete. 

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Invest in a Change

Keyhole Connect’s financing program is designed to provide investors with a secure, passive investment opportunity in the growing sector of affordable housing, backed by a unique safety net through the Loan Guarantee. 

The Loan Guarantee:
Game-Changer for Investors

The Loan Guarantee feature of Keyhole Connect's financing program offers a unique value proposition to investors, park owners, and borrowers alike. By safeguarding investments against borrower defaults and ensuring mobile homes remain within their communities, Keyhole Connect fosters a more stable and prosperous mobile home market. For investors, this means not just attractive returns, but also the confidence that comes with knowing their investment is well-protected.


Investor Protection: In the event a borrower defaults on their loan, the park owner or a designated third party assumes responsibility for the loan as the “Guarantor”. This means they will either reimburse the investor for the current balance owed or continue making the monthly payments on behalf of the borrower.

Asset Recovery and Reinvestment: If a borrower defaults, the park owner or third party will undertake the eviction process, refurbish the mobile home, and prepare it for resale. This process not only protects the investor's interests but also contributes to the park's upkeep and community quality.

Generous Returns with Peace of Mind: Keyhole Connect's goal is to offer investors generous returns while minimizing risk. The Loan Guarantee program is central to this objective, providing investors with the assurance that their investments are secure, regardless of the outcomes of individual borrowers.

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Preventing Asset Removal: Traditional financing methods often lead to public auctions in the case of a default, which runs the risk of the mobile home being removed from the park if sold to an external bidder. Keyhole Connect's Loan Guarantee prevents this scenario, ensuring park owners that their valuable assets will never leave their community.

Benefits for Park Owners: The Loan Guarantee aligns the interests of park owners with those of investors. Park owners are motivated to maintain high occupancy rates and community standards, knowing they have a safety net that prevents the loss of homes from their parks.

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  • Do you offer pre-qualifications? (¿Ofrecen precalificaciones?)
    The very first step in the borrowing process is to fill out our Pre-Qualification Application. These are nine easy questions that determine whether you should move on to the Borrower Application. Once you've been approved and decide to move forward with financing, you'll need to fill out our borrower application which is sent to our underwriter who will determine if you're able to afford to finance your mobile home. To start the Pre-Qualification Application, click HERE. ESPANOL El primer paso en el proceso de préstamo es completar nuestra Solicitud de Precalificación. Estas son nueve preguntas sencillas que determinan si debe pasar a la Solicitud de Prestatario. Una vez que haya sido aprobado y decida seguir adelante con el financiamiento, deberá completar nuestra solicitud de prestatario que se envía a nuestro asegurador, quien determinará si puede pagar el financiamiento de su casa móvil. Para iniciar la Solicitud de Precalificación, haga clic AQUÍ.
  • Do you offer financing in my state? (¿Ofrecen financiamiento en mi estado?)
    We're constantly adding states that we're licensed to lend in. View our Licencing States map here and reach out if your state isn't on the list. ESPANOL Constantemente agregamos estados en los que tenemos licencia para prestar. Vea nuestro mapa de estados con licencia aquí y comuníquese si su estado no está en la lista.
  • What are your minimum loan amounts? (¿Cuáles son los montos mínimos de préstamo?)
    We have a minimum financing amount of $15,000 if buying within a mobile home park and go up to $100,000. For homes purchased outside of a park, there is a minimum loan amount of 25,000. ESPANOL Tenemos un monto mínimo de financiamiento de $15,000 si compra dentro de un parque de casas móviles y sube hasta $100,000. Para casas compradas fuera de un parque, hay un monto mínimo de préstamo de 25,000.
  • What down payments are required? (¿Qué pagos iniciales se requieren?)
    The mobile home park or dealer usually decides how much of a down payment is required. The usual amount is 10% of the purchase price, which is paid directly to the park at the time of closing. For financing mobile homes on private property, the down payment required is 25%. For more information on our requirements, click HERE. ESPANOL El parque de casas móviles o el distribuidor generalmente deciden cuánto se requiere como pago inicial. La cantidad habitual es el 10% del precio de compra, que se paga directamente al parque en el momento del cierre. Para la financiación de casas móviles en propiedad privada, el pago inicial requerido es del 25%. Para obtener más información sobre nuestros requisitos, haga clic AQUÍ.
  • What are your current interest rates? (¿Cuáles son sus tasas de interés actuales?)
    Our interest rates vary from 14% to 17% based on the borrower's overall credit profile, loan amount, and term of the loan. ESPANOL Nuestras tasas de interés varían del 14% al 17% según el perfil crediticio general del prestatario, el monto del préstamo y el plazo del préstamo.
  • What are your loan terms? (¿Cuáles son los términos de su préstamo?)
    We offer terms from 5 to 10 years depending on the loan amount and the borrower's credit profile. The borrower may choose how long they'd like the terms to be based on their comfortability of making payments for that period of time. ESPANOL Ofrecemos plazos de 5 a 10 años según el monto del préstamo y el perfil crediticio del prestatario. El prestatario puede elegir cuánto tiempo desea que sean los términos en función de su comodidad para realizar pagos durante ese período de tiempo.
  • Are there any restrictions on the age of the mobile home? (¿Hay alguna restricción sobre la edad de la casa móvil?)
    In most states, there are no restrictions regarding the age of the home. In Alabama, the age of home is limited to 20 years. Maine requires the mobile home to be a model year of 2008 or newer. In Mississippi, the home must have a model year of 1999 or newer. Finally, New York requires the home to have a model year of 1995 or newer. ESPANOL En la mayoría de los estados, no hay restricciones con respecto a la antigüedad de la vivienda. En Alabama, la edad del hogar está limitada a 20 años. Maine requiere que la casa móvil sea modelo del año 2008 o posterior. En Mississippi, la casa debe tener un modelo del año 1999 o posterior. Finalmente, Nueva York requiere que la casa tenga un modelo del año 1995 o posterior.
  • Do you have a minimum credit score requirement? (¿Tiene un requisito de puntaje de crédito mínimo?)
    We don't just rely on your credit score to determine whether we'll finance your home, so there's no minimum score. There are other factors that contribute to the decision, such as income and current debts. Combined, a variety of factors affect whether you'll be approved for financing and at what interest rate. ESPANOL No solo dependemos de su puntaje de crédito para determinar si financiaremos su casa, por lo que no hay un puntaje mínimo. Hay otros factores que contribuyen a la decisión, como los ingresos y las deudas actuales. Combinados, una variedad de factores afectan si se le aprobará el financiamiento ya qué tasa de interés.
  • Do you offer refinancing on mobile homes? (¿Ofrecen refinanciamiento en casas móviles?)
    Yes. We offer refinance options based on certain regulatory regulations. Contact one of our team members at 516-750-0392 for more information. ESPANOL Sí. Ofrecemos opciones de refinanciamiento basadas en ciertas regulaciones regulatorias. Comuníquese con uno de los miembros de nuestro equipo al 516-750-0392 para obtener más información.
  • Do you escrow property taxes and insurance for my loan? (¿Cuidan los impuestos sobre la propiedad y el seguro de mi préstamo?)
    No. The borrower is responsible to keep track and pay their annual property tax and insurance obligations. The borrower must also make sure the lender is listed as a "lienholder" on their home insurance. ESPANOL No. El prestatario es responsable de realizar un seguimiento y pagar sus impuestos anuales sobre la propiedad y sus obligaciones de seguro. El prestatario también debe asegurarse de que el prestamista figure como "titular de gravamen" en su seguro de vivienda.

Frequently Asked Questions

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Invest With Confidence

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Financing Options That Work.

It's Time for a Change.

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P.O. Box 331

Glen Head, NY 11545-0331

Tel:  516-750-0392

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