SPECIALTY FINANCING FOR MANUFACTURED HOUSING
Capital That Fills Lots and Grows Communities
Keyhole Connect gives manufactured housing community owners a revolving line of credit to purchase and place homes on vacant lots — and to lend directly to incoming residents. You grow the park. We provide the capital.
Draw from your line to purchase new or pre-owned homes and place them on vacant lots. You market, qualify incoming residents, and sell or rent units as quickly as possible. Every occupied lot means new monthly lot rent — income that wasn't there before.
In-Fill Capital
When an incoming or existing resident needs to buy a home in your community, draw from your line and lend directly to them. You own the relationship. You control the process. Keyhole Connect sets the terms through your signed agreement — you execute them.
Resident Purchase Financing
As long as residents are paying, the loan servicer handles collections and distributions automatically. Your park makes no payments to Keyhole Connect. Your income is lot rent — and it starts the moment a unit is occupied.
Zero Out-of-Pocket Payments
THE APPLICATION PROCESS
No Committees.
No Delays.
Just Capital.
Most park owners have dealt with lenders who move slowly, ask for endless documentation, and still don't understand how a manufactured housing community actually operates. We built our process differently — around the way parks work, the pace parks move, and the outcomes parks actually need. Here's how it works:
The Entire Program — Pricing, terms, and resident loan structure — is governed by your signed Keyhole Connect park agreement. No surprises, no moving targets, and no ambiguity about what either party is responsible for.
Step 1
Apply and Execute Your Agreement
Your park is reviewed and approved for a revolving line of credit. A signed park agreement establishes all pricing guidelines, loan terms, and program parameters — everything is defined before a single dollar moves.
Step 2
Draw from Your Line and Buy Your Future
When you're ready to purchase in-fill homes or finance a resident buyer, you draw capital from your approved line. In-fill draws fund home acquisition and placement. Resident financing draws go directly toward the resident loan you originate.
Step 3
Place Homes, Lend to Residents
For in-fill, you get units ready and begin marketing to incoming residents. For resident financing, you lend to the buyer following Keyhole's pricing guidelines. You qualify prospects, manage the relationship, and drive the process — Keyhole never interacts with your residents.
Step 4
Residents Pay — You Collect Lot Rent
Once occupied, a qualified third-party loan servicer handles all collections, reporting, and payment distributions. Your park earns lot rent on every unit filled. The line revolves — as obligations are satisfied, capacity is restored for the next placement.
Occupancy That Builds Value
Every vacant lot you fill with an in-fill home generates new monthly lot rent that didn't exist before. Higher occupancy strengthens your monthly cash flow, improves your park's cap rate, and makes the entire community worth more — at refinance, at sale, or simply on paper. The capital doesn't sit. It works.
A Built-In Exit Strategy
Keyhole Connect holds performing resident loans for 3-to-4 years, then bundles them and sells the portfolio to an FHA broker. Each loan retired through that process restores capacity on your line — and the resident transitions into a significantly better long-term program. The cycle repeats.
Protected at Every Stage
A new DMV title is created on every home financed — with Keyhole Connect and the park recorded as lienholder. Credit insurance is placed on the park covering up to 90% of a default event. A park owner guarantee backs every home. The structure protects all parties throughout the life of the program.
Important: Keyhole Connect lends money to the park — not to the end-user resident. When a resident needs financing, it is the park that lends to them, following Keyhole Connect's pricing guidelines and program terms as outlined in the executed park agreement. All figures, rates, and program terms are illustrative and subject to change. Final terms are governed solely by the executed park agreement.
KEYHOLE CONNECT
Provides Capital and Sets the Terms
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Approves park for a revolving line of credit
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Sets all pricing guidelines, loan terms, and program parameters via signed agreement
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Recorded as lienholder on every DMV title created
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Places credit insurance on the park
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Bundles and sells performing loans to FHA broker at the 3–4 year mark
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Never interacts directly with residents at any stage
THE PARK
Executes the Program and Owns the Relationships
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Qualifies and markets to incoming residents
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Originates resident loans following Keyhole's pricing guidelines
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Services loans directly or engages a qualified third-party servicer
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Manages all resident communication and collections
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Continues payments to Keyhole during any default event, at the Placement Phase rate
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Earns lot rent on every occupied unit in the community
THE PARTNERSHIP
Who Does What — and Why It Works
The Keyhole Connect program works because the roles are clear and the responsibilities are defined. Keyhole provides the capital and sets the framework. The park operates within it and owns the resident relationship entirely.
