Modular Home Loans — Factory-Built Financing for Multi-Unit & Multifamily Investment
Whether you’re building a modular fourplex, developing a build-to-rent community, or delivering a multifamily investment project, Hawk Funding Group arranges modular home loans, construction financing, and long-term financing for factory-built construction.
From Land Acquisition to Long-Term Financing
Modular construction requires lenders who understand factory-built timelines, manufacturer deposits, and off-site production schedules. We arrange modular home construction loans and construction loans for modular homes with draw schedules aligned to factory milestones.
Unlike many traditional lenders, our capital sources understand modular construction. Financing can cover land acquisition, factory deposits, production costs, transportation, site work, and final installation through a single financing strategy.
For long-term investors, we also arrange permanent financing once construction is complete, creating a seamless transition from construction debt to stabilized rental financing.
An investor develops a 16-unit modular project through Hawk Funding Group using factory-built construction financing. The total cost is $3,900,000 with a $3,120,000 loan at 80% LTC and $5,500,000 ARV. The interest rate is 8.99% over a 10-year structure. The exit strategy is multifamily refinance or sale.
Modular Funding Terms
- Up to 80% LTC
- Land + Modular Project Financing
- 12 Month to 30 Year Terms
- Factory-Aligned Draw Schedules
- Loan Amounts Starting at $500K
- No Maximum Loan Amount
Other Loan Programs
Core Features of Modular Financing
Fast Land Financing
Acquire development sites quickly through bridge financing that can later transition into long-term modular construction financing.
Multi-Unit Projects
Finance triplexes, fourplexes, build-to-rent communities, and multifamily developments using lenders experienced with modular construction.
Up To 80% LTC
Access financing for land, factory production, transportation, installation, and project costs through one coordinated capital structure.
Factory Draw Schedules
Funding is aligned with manufacturer deposits, production milestones, shipment schedules, and final installation requirements.
Build-And-Hold Solutions
Transition completed projects into long-term financing designed for investors building rental portfolios and income-producing assets.
One Advisory Team
Work with one financing advisor from land acquisition through construction completion and permanent financing placement.
Modular Funding vs. Going Direct to a Bank
Modular funding gives your business flexible options beyond one bank’s limits, helping you find faster, smarter funding that fits your needs.
| Criteria | Hawk Modular Funding | Typical Retail Bank |
|---|---|---|
| Familiarity with Factory-Built Homes | Every Week | Rarely; Often Declines File |
| Land + Home Package | ✅One Closing | ❌Usually Two Loans |
| Investor / Rental Modular | ✅DSCR & Portfolio | ❌Owner-Occupied Only |
| Max Investor LTC | Up to 80% | 70–75% if Approved |
| Initial Close Speed | 14 to 30 Days | 45 to 90 Days |
| LLC Vesting (Investor) | ✅Yes | ❌Usually Not |
| Coverage | Nationwide / Most States Coverage | Local Footprint Only |
Ready to Fund Your Next Deal?
Tell us about your project, goals, and timeline and our team will get to work immediately. Depending on the deal details, we’ll respond with modular funding options tailored to your exact scenario within 1-3 business days so you can compare your choices and move forward with confidence.
Get Answers Before You Apply
How do you finance a modular home?
Hawk Funding Group arranges modular construction loans structured around factory payment milestones — funding manufacturer deposits, mid-production draws, and shipment payments rather than waiting for work to appear on-site. We cover up to 80% LTC with loan amounts starting at $500,000 and no maximum loan limit, built for multi-unit and multifamily projects of 3 units and above. Need land first? We arrange fast-close bridge loans that roll seamlessly into the construction loan, and DSCR rental financing once you reach certificate of occupancy.
What's the difference between a modular, manufactured, and prefab home?
Modular homes are factory-built in sections, permanently affixed to a foundation, and must meet local building codes — making them real property eligible for real estate financing. Manufactured homes are built on a steel chassis under federal HUD code and are typically classified as personal property, limiting financing options and long-term investment value. Prefab is a broad term covering any off-site construction method, including modular. Our lender network focuses on modular and factory-built construction used in investor and developer projects.
Are modular homes and multiunit structures a good investment?
Yes. Modular construction delivers the same appraised value and rental income as comparable stick-built properties — with 30–50% faster build timelines, tighter cost controls, and lower weather and labor risk. For investors, that means faster stabilization and earlier rental income. The strongest strategies we see include modular multi-unit ADU development, duplex and fourplex builds, build-to-rent SFR communities, tiny home villages, factory-built subdivisions and larger multifamily — all of which pair well with DSCR rental financing at certificate of occupancy.
Can I finance the land and the modular homes together?
Yes — this is a core capability. We arrange combined land and modular construction loans covering the full project cost up to 80% LTC, whether the parcel is vacant or carries an existing structure. If you need to move fast, our private money bridge loans close in as little as 10–14 days, securing the site before you lose it — then roll directly into the modular construction loan for a seamless, single-advisory financing path.
How long does it take to close a modular construction loan?
Bridge loans for land acquisition close in as little as 10–14 business days. Modular construction loans through our lender network typically close in 4–5 weeks — significantly faster than the 60–90 day timelines common at banks. Once funded, individual draw requests are processed in 2–5 business days, keeping your factory payment schedule on track and your production slot secured.
Can I refinance or cash-out an existing modular rental home?
Yes. Modular homes permanently affixed to a foundation qualify for refinancing just like conventionally built investment properties. We arrange DSCR refinance and cash-out loans on stabilized modular rentals — qualification is based on property cash flow, not personal income or tax returns. This is a popular strategy for investors running a modular BRRRR approach across SFR, ADU, duplex, triplex, and fourplex assets.
Do you finance investor and rental modular homes?
Yes — it's our exclusive focus. Hawk Funding Group does not arrange owner-occupied or primary residence financing. We serve real estate investors, developers, and builders using modular and off-site construction to create income-producing rental properties — including modular SFR rentals, ADUs, duplexes, triplexes, fourplexes, tiny home communities, and larger multifamily modular developments.
Who is modular funding best for?
Our programs are best suited for: investors adding modular ADUs or small multifamily units to existing parcels to maximize rental density; developers building factory-built subdivisions, BTR communities, tiny home villages who need a lender that understands factory draw schedules; and multifamily developers pursuing larger 50-100+ unit projects where speed and cost predictability matter. If you need to move fast, compete on price, or scale a pipeline — modular financing through Hawk Funding Group is built for you.
Why use Hawk Funding Group instead of calling lenders yourself?
Most lenders don't understand modular — you'll spend weeks educating underwriters only to be told the collateral is too difficult to evaluate. Hawk Funding Group maintains active relationships with lenders who have actually funded modular construction, who understand factory draw schedules, and who move at the pace the business demands. We also arrange the full capital stack — land bridge, construction loan, and DSCR permanent debt — through a single advisory relationship, so there are no handoffs, no gaps, and one point of accountability from site acquisition to long-term financing.