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re: How many of you live in a trailer?
Posted on 1/13/26 at 7:09 am to H2O Tiger
Posted on 1/13/26 at 7:09 am to H2O Tiger
quote:
Lending on them is a PITA though. I guess the fact you can pick them up and move them makes lenders jumpy. I also learned that they essentially have VIN numbers that are removed when it is "immobilized".
Not true. Lending will give you higher interest rates typically but it's not difficult by any stretch.
There are 2 types. There are modular homes and manufactured homes. Modular homes are built to state specific building codes and assembled onsite. Often with higher build quality than you see with stick built homes. This is treated exactly like a stick built home once completed. Often similar pricing to stick built, but faster.
Manufactured homes are built to HUD specifications, which the vin number you speak of. A manufactured home is what most people consider a trailer, it will have a HUD tag and it will remain on the home no matter what. You can take a double wide and build a 1 million dollar add on to it and it will still be considered a mobile home, or HUD home.
A lot of newer manufactured homes can be either manufactured or modular. You should check out some of the newer stuff, the quality may surprise you. There are 3k sqft manufactured homes that are going for over 300k now. Deer valley in Alabama is a good example.
1
Posted on 1/13/26 at 7:25 am to cbree88
Bought one when I got a job at B & R in Houston. Met a girl and she moved in with me. We liked to party and dance, and Houston seemed to be the place to live. Then the owner of the local bar we went to got one of those mechanical bulls and I was gonna be the best bull rider in the joint until this felon was hired to run the bull. Well, he threw me off and I broke my arm, and to make matters worse he started fricking my girlfriend, Sissy. So, she moved out and I started dating this uptown chick whose dad had plenty of money. But it didn't work out and back to Sissy I went.
Posted on 1/13/26 at 7:25 am to cbree88
If this board is honest, probably about 80%.
Posted on 1/13/26 at 7:30 am to cbree88
Lived in one when my parents divorced in 88. My dad and I.
Posted on 1/13/26 at 7:39 am to H2O Tiger
quote:
Lending on them is a PITA though. I guess the fact you can pick them up and move them makes lenders jumpy. I also learned that they essentially have VIN numbers that are removed when it is "immobilized".
Yep. I used to work in the mortgage industry. People would swear that they didnt live in a trailer because they took the wheels off and/or added a skirt.
If it had a VIN at any time, it was considered a traitor and none of our lenders would underwrite it. Dead on arrival.
Posted on 1/13/26 at 7:42 am to cbree88
I am currently sitting in one at my camp. Single wide. In the middle of 30 acres. Wide covered porches down both sides and a metal pitched roof. Its 35 years old and winter insulated. We had the entire floor and subfloor redone two years ago and its pretty solid. Not at all fancy, but cool in summer, warm in winter. No mice. (Thank you, barn cats.)
I live in it probably 25% of the time. One of my favorite places.
Pro: its a paid for residence if ever needed, good spot to get away, very comfortable
Cons: dont want to be here in really bad weather, a bitch to get insurance
I’m very blessed.
I live in it probably 25% of the time. One of my favorite places.
Pro: its a paid for residence if ever needed, good spot to get away, very comfortable
Cons: dont want to be here in really bad weather, a bitch to get insurance
I’m very blessed.
Posted on 1/13/26 at 7:50 am to Sugarbaker
I live in one now, yes I'm trailer trash. If that's all you can afford you just have to deal with it.
Posted on 1/13/26 at 7:59 am to cbree88
Bought one and 5 acres that was attached to my property. Living there while I build.
It is a 2020 double wide. Tbh not much less quality than the brand new rental house I was in before.
It is a 2020 double wide. Tbh not much less quality than the brand new rental house I was in before.
Posted on 1/13/26 at 8:04 am to cbree88
I lived in one growing up for about 7 years. It sucked. Single wide trailer, six people, no skirting.
Posted on 1/13/26 at 8:14 am to cbree88
Banged an old HS girlfriend in one once.
Met up with her while in college and she invited me “home” and it was trailer house.
So my singular experience wasn’t bad, albeit through drunk and horny glasses.
Acquitted myself properly and departed before the sun came up.
Met up with her while in college and she invited me “home” and it was trailer house.
So my singular experience wasn’t bad, albeit through drunk and horny glasses.
Acquitted myself properly and departed before the sun came up.
Posted on 1/13/26 at 8:15 am to cbree88
Does a CONEX count?
Posted on 1/13/26 at 8:17 am to cbree88
If you live in a dry area, they’re perfectly fine. I have a cousin that lives in one in AZ, has for years.
Down here in south La it would most likely rot pretty quickly
Down here in south La it would most likely rot pretty quickly
Posted on 1/13/26 at 8:18 am to cbree88
I don't live in one- but spend a LOT of time in one (my camp).
I will submit this: It's a lot more about the location it's sitting in than the fact that it's a trailer.
I will submit this: It's a lot more about the location it's sitting in than the fact that it's a trailer.
Posted on 1/13/26 at 8:21 am to cbree88
I had an 18' x 80' I lived in for a few years before I got married.
I didn't mind it at all life was cheap back then.
I didn't mind it at all life was cheap back then.
Posted on 1/13/26 at 8:27 am to cbree88
I lived in one for three months about 15 years ago when I got divorced and was looking for a house.
Pros: it was shelter
Cons: it was crappy, depressing shelter.
Pros: it was shelter
Cons: it was crappy, depressing shelter.
Posted on 1/13/26 at 8:33 am to cbree88
I have a buddy who paid $11,000 for his trailer, put in about $25-30,000 of upgrades, and now only pays ~$300/year for his spot. Tons of money can be saved.
The con is that he lives in a trailer.
The con is that he lives in a trailer.
Posted on 1/13/26 at 8:45 am to BoogaBear
quote:
Manufactured homes are built to HUD specifications, which the vin number you speak of. A manufactured home is what most people consider a trailer, it will have a HUD tag and it will remain on the home no matter what. You can take a double wide and build a 1 million dollar add on to it and it will still be considered a mobile home, or HUD home.
This is exactly what we're seeing at the lake. Place started with a movile home so no matter what you do, it's still a mobile home.
And I should have clarified, lending isn't necessarily more difficult in terms of getting the loan, but the interest rates are higher. FWIW, Hancock Whitney had no problem with doing it in Texas, would just cost more.
Posted on 1/13/26 at 9:09 am to H2O Tiger
quote:
no matter what you do, it's still a mobile home.
I will say there is a way to convert a manufactured HUD home to a traditional home. It's not easy, and is in no way worth it.
We have 20 acres and have researched damn near every way possible to build a home. The newer manufactured stuff is actually quite nice, it isn't much cheaper than just building, it's just faster.
We are still undecided on what direction we will go. It's probably in this order right now.
1A stick build
1B barndo
1C modular home on basement
2 manufactured home
This post was edited on 1/13/26 at 9:10 am
Posted on 1/13/26 at 9:31 am to cbree88
I never have, nor would I make fun of those who do.
Posted on 1/13/26 at 9:37 am to Napoleon
quote:
I'm thinking of taking time off and living in a Class A RV traveling the country
A married couple I know sold their nice house here, lived in an RV (upgraded once) for exactly 10 years, travelled the country, and then sold and bought a nice house in Florida. They loved their 10 years on the road. They posted their movement and locations for friends to swing by and visit when they felt like receiving guests.
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