Get Pre-Qualified in 2 Minutes
Traditional lenders don't understand modular construction. Our financing partner, HIS Capital Funding, specializes in it — with over $500M in funded transactions.
HIS Capital Funding / Verified Investor
Since 2011, HIS Capital Group has been providing private capital solutions for real estate investors. Their lending arm, HIS Capital Funding (Verified Investor), specializes in modular and new construction financing as part of our 7-step process.
Unlike traditional lenders who may shy away from modular construction, HIS Capital understands the process and offers flexible terms designed specifically for these builds. Our construction partner works seamlessly with HIS Capital to ensure smooth project delivery.
$500M+
Funded Transactions
110+
Years Team Experience
Our Financing Partner
The Power of Strategic Partnerships
Rick explains how HIS Capital's referral ecosystem creates opportunities that benefit investors at every level.
Discover why working with established lending partners gives you an edge in the Florida real estate market.
Financing for Every Strategy
Whether you're building to rent, building to sell, or anywhere in between — there's a loan program for you.
New Construction Loans
Ground-up modular home financing with draw schedules designed for factory builds and site work.
- Up to 75-80% LTV
- Flexible draw schedules
- Interest-only during construction
- Convert to permanent financing
Ideal for: Investors building new modular homes
Fix & Flip Loans
Short-term rehab financing for investors purchasing and improving existing properties.
- Quick approval process
- Rehab funds included
- 6-12 month terms
- No prepayment penalties
Ideal for: Experienced flippers
Bridge Loans
Short-term capital between transactions. Perfect when timing doesn't align.
- Fast funding
- Flexible terms
- No seasoning requirements
- Cross-collateralization available
Ideal for: Investors between deals
DSCR Loans
Cash flow-based lending for rental properties. Qualify based on the property, not personal income.
- No income verification
- Based on rental income
- 30-year fixed available
- For 1-4 unit properties
Ideal for: Build-to-rent investors
What You'll Need
Pre-qualification considers multiple factors. Here's what the team evaluates to determine your loan capacity.
Credit Score
740+ for best rates, 640+ acceptable
Liquidity
$85,000+ optimal for most projects
Experience
First-timers welcome with guidance
Land Status
Owned land or assistance finding lots
Quick Loan Capacity Estimate
A rough estimate: Your total liquidity × 2.3 = estimated loan capacity. For example, $100K in liquidity typically supports around $230K in loan capacity.
This is a simplified estimate. Actual capacity depends on credit, experience, land equity, and other factors.
Land Equity as Down Payment
Already own land? Here's how it factors into your down payment.
Recent Purchase (<6 months)
If you purchased your land within the last 6 months, 50% of the land value can count toward your down payment.
50% equity credit
Seasoned (1+ year)
If you've owned your land for more than a year, the full appraised value can count toward your down payment.
100% equity credit
Don't own land yet? No problem — we help with lot acquisition as part of our project management.
Learn More About Financing
Explore our in-depth guides on financing modular construction.
See What You Qualify For
Our 2-minute pre-qualification gives you a clear picture of your buying power. No hard credit pull, no obligation — just answers.