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Researching your market to determine the factors important to your customer helps you determine the appropriate price point and product mix for your market. Considering the average income, population demographics, housing supply and demand, housing alternatives and affordability will lead you to choose an appropriate business model and occupancy approach in your specific property.

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Renting homes is a faster way to fill a community with vacant sites than individual home sales. Placing rental homes in your community brings some factors to consider that are unique from tenant-owned homes. When determining your target market price, it’s important to consider the home rent and the associated costs that come with a rental home. You will need to insure the home, pay property taxes and account for the refurbishment work that will be required when the home becomes vacant before placing another renter in the home. Inspecting the home asset requires someone to visit the home regularly and ensure the collateral is in good shape. If you have a long term plan to eventually convert rental homes to tenant-owned homes, you will also need to consider the current home rent vs. a future home monthly payment for a customer in your market.

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Estimate Rental Home Payment

In order to purchase a new home intended for rent, use the calculator below to evaluate the rental home payment you will pay to 21st Mortgage vs. the home rent the customer pays to you. Ordering a home that is appropriately priced will help you cover your debt and associated costs on the rental home. Use the following calculator below to help you to determine the appropriate rental home invoice for your property based on your target customer.

rental home payment calculator

Invoice Amount

This is the total invoice amount per home including freight.

Estimate Your Sales Tax

Sales tax is able to be financed into the loan. If you are eligible for sales tax exemption, please leave this box blank.

Number of Homes

This is the number of homes you anticipate purchasing for rental. Better rates are offered for purchasing and taking delivery of more homes at one time. All homes have to be set up in one community and financed on the same contract at once.

Home Rent Charged to Customer

This is the home rent the customer pays (not including site rent).

# Days Home Converted to Rental Loan

Please estimate the number of days to create a rental home loan from the home invoice date. The home has to be delivered, set up, and ready for occupancy to convert into a rental home. Carry cost may apply.


Total Monthly Payment for All Homes

Monthly Payment Per Home

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If the monthly payment per home box turns red, this means that your home rent payment to 21st Mortgage exceeds the home rent charged to the customer. Please reconsider the invoice amount for the home you are purchasing.

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Choosing your home builder requires a lot of research. Factors to consider include size, floorplan layout, price, quality and availability in your market. The manufacturer’s map is a tool that shows the locations and contact info for manufactured home building facilities across the country to help in your research. Use the manufacturer’s map to narrow down manufactured home building facilities within a suitable proximity to your property to take delivery of homes.

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Understanding the process of placing your home order can help ensure a smoother ordering process and timely home delivery. Choosing which home to order and approving the order for production at the facility are initial steps in ordering a home. Preparing the home site properly and planning to take delivery of the home when it arrives to the property allows you to set the home up and occupy it as soon as possible. Considering timing for steps such as prepping the home placement site, ordering and approving the home and taking delivery of the home are all part of the home ordering process.

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Receive & Setup the Home

Receiving delivery of a new home to your property is an exciting event. Taking care of the home asset by ensuring it is received and setup properly is vital to the long term useful life of the home. Receiving the home when it comes offline at the home building facility initiates the setup process. Once the home is on site, checking the home for damage or service repairs should happen within days of receiving the home. Coordinating with contractors to order materials and complete the labor for the installation of items such as a foundation, skirting, A/C, steps and services for utilities takes an organized effort to get the home setup and ready for occupancy for your new tenant.

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To rent a home, potential tenants need to be aware that your property offers homes for rent and be able to identify which homes are available. 21st Mortgage provides helps by providing rental home materials to display in the community, in the office or in the homes. Display these items so your customers are that you have rental homes available. Our marketing materials are available at no cost. Please setup an account to order them at www.21stmarketingmaterials.com.

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Rental Loan Process

Once the home is ready for occupancy, it’s time to advertise the home is for rent and find a renter. The next part of the journey is the rental home loan process to create a home loan before you occupy the home with a renter.

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