I have a friend living in a manufactured home in Port Richey.
He is offering it for sale. No real details yet, but I’m looking for opinions on the homes in general and the area as well. He described it as a roof over roof bungalow. I think I know what that is but not sure.
Most man fac homes down here usually go FHA or VA loan if not a cash deal.
If so the mortgage co will require one of those foundation certifications before funding.
The buyer will have to pay for it, around $350 besides the home inspection.
Did you mean 6010 Ridge Road?
Port Richey has some good parts and mostly lower income parts. Several MH parks and this one is close to US 19 with plenty of shopping. A roofover is just a second roof covering over the original roof. Shouldn’t need a foundation cert since these are rental lots.
Most parks are rental parks, where the lot is rented and you own the mobile home. In other words these are not real estate properties and there are no property taxes, just lot rent. That area is a mix with older small homes and pockets of larger newer homes farther east. BTW, there are no sandy beaches in Pasco Co, except one man made beach park.
I do Harrison Engineering stuff down here.
I’ve done them for rental, fee simple & reverse mortgage.
I think it depends on the lender & if I was the lender I want to confirm my collateral won’t tip over/damaged.
The mobile home must be titled as real estate to trigger a foundation cert for a FHA, VA, or conventional loan. Otherwise it is personal property and a Chattel loan is needed. I am not sure if a foundation cert is triggered for a Chattel loan. Of course, it is a good idea to tie it down regardless, but I don’t think a permanent foundation is required in a lot rental park.