You’ve found a buyer! They love the layout, they made an offer, and you’re ready to pack.
Then the inspection report comes back. Then the bank calls. Then the park manager stops by.
Suddenly, the deal is dead.
Mobile home transactions “fall out of contract” all the time. Usually, it’s because of three specific repairs that scare off buyers and lenders.
1. Soft Spots in the Floor
Mobile homes often use particle board subflooring, which acts like a sponge when wet. Even a small leak from years ago can cause the floor to rot and become soft.
Why it kills deals:
- Fear: Buyers assume “soft spot = structural failure.”
- Financing: Lenders typically won’t approve a loan on a home with structural damage.
- Cost: Fixing subfloors means pulling up carpet, cutting out wood, and reinstalling. It’s messy and expensive.
2. The “Age of the AC”
In Florida, the Air Conditioning unit is the most important appliance. If your unit is 10+ years old, even if it runs fine, it’s a liability.
Why it kills deals:
- Insurance: Many insurance companies won’t insure a mobile home with an old HVAC system. No insurance = No mortgage.
- Leverage: Smart buyers will demand you lower your price by $5,000 to cover a future replacement.
3. The 4-Point Inspection Fail (Roof & Electric)
Citizens Insurance (and others) require a “4-Point Inspection.” If your electrical panel is an old brand (like Federal Pacific) or your roof has less than 3 years of life left, the home is uninsurable.
Why it kills deals:
- You literally cannot sell it to someone who needs a mortgage. They cannot close without insurance.
The Solution?
If you have these issues, you have two choices:
- Spend $5,000 - $10,000 fixing them before you list the home.
- Sell to a Cash Buyer.
At Sun Ray Mobile Homes, we are investors. We don’t rely on traditional bank loans that require pristine 4-point inspections.
We specialize in buying homes that retail buyers can’t touch—soft spots, old ACs, and all.
Don’t let a repair kill your sale.
We Buy "Unsellable" Homes
Issues with floors, roof, or AC? We can help. We'll make you a cash offer today.
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