01 The Opportunity Lone Star Portfolio · Q4 2026

An institutional-grade Texas manufactured housing portfolio, priced to a 7.3% Year-5 stabilized cap.

Five communities across the Rio Grande Valley and Wichita Falls, partnered with a turnkey 522-home portfolio — 1,001 pads, one sponsor, one thesis. Offered for institutional recapitalization at $88.8M enterprise value, with embedded value-add already underwritten and a fully-reserved CapEx program.

5
Communities
1,001
Sites
522
Homes
$88.8M
Enterprise Value
5
Texas MSAs
02 The Numbers 70% LTV · 5.50% exit cap · 5-year hold
Projected IRR to New Equity
15%
Net of all fees, reserves, and the full $3M value-add CapEx program. Exit underwritten on Year 6 stabilized NOI at the base cap rate.
Equity Multiple
1.92×
Avg Cash-on-Cash
6%
Y5 Net Proceeds
$57.0M
Total New Equity
$35.2M
New equity enters at a reasonable basis for a stabilizing Texas MHC portfolio — a clean entry into a value-add NOI path that's already underway.
Deal Economics · December 2026
Annual Cash-on-Cash to New Equity
Levered cash distributions by year · $M
70% LTV · Base Case
03 The Structure Sources & Uses at close

$97.4M total capitalization. Agency debt at 70% LTV, new equity funds the balance.

Debt is sized against the $88.8M enterprise value. New equity covers the balance plus closing costs, reserves, and the fully-reserved $3M CapEx program.

New Agency Debt · 70% LTV
$62.2M
New Equity
$36.2M
Total Capitalization: $97.4M
Effective LTC: 64.0% (debt / total uses)
Enterprise Value
$88.8M
Community + Homes
Debt Terms
6.00%
30yr am · 5yr IO
Hold Period
5 Years
Close Q4 2026 · Exit Q4 2031
Exit Cap · Base
5.50%
Comparable to recent TX MHC trades
See full Sources & Uses
Line-item breakdown of where every dollar comes from and where it goes.
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Sources
Where the capital comes from
Total Sources$97.4M
Uses
Where the capital goes
Total Uses$97.4M
04 The Details Expand each for full breakdown

Two elements that define the deal — the $88.8M offering split between community real estate and the turnkey 522-home portfolio.

The Offering Split · Community + Homes
How the $88.8M enterprise value divides between community real estate and the turnkey 522-home portfolio.
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The total offering of $88.8M separates community real estate from a turnkey 522-home portfolio, enabling the institutional partner to finance each component with the appropriate capital stack: agency debt for the communities, chattel or equity for homes. Community priced at a 7.3% Year-5 stabilized cap, with stabilization toward the institutional 8–10% cap range as value-add Wichita Falls assets reach occupancy — delivering a rare at-scale home inventory alongside the community real estate.

Blended Enterprise Value
$88.8M

Institutional entry basis paired with a fully-reserved CapEx plan, agency-eligible cap structure, and a clear path to a 5-year stabilized exit — sized for the new equity partner's risk-adjusted return target.

New Agency Debt (70% LTV)
$62.2M
New LP + GP Equity
$35.2M
CapEx Reserve · Funded
$3.0M
Closing Costs & Reserves
$3.6M
Community Real Estate 73%
$63M

Five MHC communities across 1,001 pads. Priced at a 7.3% Year-5 stabilized cap (on NOI net of $200K/yr working capital reserves), $67.9K per pad blended — a reasonable entry basis relative to recent institutional MHC trades in Texas.

Sites1,001
Y1 2026 NOI$2.71M
Y5 Stabilized NOI$4.93M
Turnkey Home Portfolio 27%
$20.9M

522 income-producing manufactured homes priced at $40K per home (retail-equivalent): 235 on-balance-sheet at the community entities plus 287 held across three GP home entities (Miami Homes 168 LLC, Ford Mobile Homes, Montecarlo Homes LLC). A revenue-generating fleet delivered alongside the community real estate, capturing dual rent streams, conversion optionality, and accretive home-sale upside.

On-Balance-Sheet Home Inventory235 · $9.4M
GP-Entity Home Slices287 · $11.5M
Total Home Inventory Value522 · $20.9M
The Portfolio

Five Texas assets. One thesis.

Concentrated Texas exposure across two complementary submarkets: three Rio Grande Valley communities delivering stabilized cash flow from a labor-driven border market, and two Wichita Falls assets with full-runway value-add upside in a supply-constrained North Texas submarket.

Portfolio Map
Click a marker for asset detail
Composition
By site count
Market & Affordability Thesis

Two Texas submarkets. One structural tailwind.

The affordability gap between a manufactured home lot and a single-family rental in both submarkets is the thesis. As long as SFR supply remains constrained and incomes lag home prices, the demand pool for an affordable, sticky pad is structurally underwritten by the market itself.

Rio Grande Valley
McAllen-Edinburg-Mission · Brownsville-Harlingen MSAs
~1.4M
MSA Population
$215K
Median Home Price
$50K
Median HH Income

Border-trade economy anchors one of Texas' largest metropolitan areas. Population growth driven by US-Mexico logistics, regional healthcare (DHR Health, Doctors Hospital at Renaissance), and an agricultural production base. Three of five Lone Star properties sit here — Big Valley (Donna), Citrus Valley (McAllen), and First Colony (San Benito) — totaling 607 pads across stabilized and stabilizing communities.

Primary Employment Drivers
HealthcareBorder LogisticsRetail & ServicesOil & Gas ServicesAgricultureEducation
Wichita Falls
Wichita Falls MSA · North Texas
~150K
MSA Population
$155K
Median Home Price
$55K
Median HH Income

Regional hub anchored by Sheppard Air Force Base — the largest Air Force training base in the country — and United Regional Healthcare. Military-driven rotational demand creates a constant pool of near-term renters. Two of five Lone Star properties sit here — Evergreen and Sunnyvale Estates — totaling 394 pads, both bumped to 80% occupancy at close (from today's 72%/65%) with 44%+ rent upside still available to market.

Primary Employment Drivers
Sheppard AFBHealthcareManufacturingAgricultureEducationGovernment
The affordability gap is the thesis.
Lot rent vs. 3-bedroom SFR rent · both submarkets
Portfolio Lot Rent
$410–$455/mo
In-place across five communities. Market rent at Evergreen / Sunnyvale implies ~40%+ rent upside to market.
All-In Home + Lot
$700–$900/mo
Resident-owned home on pad: typical $250–$400 home payment + lot rent. The total cost of affordable shelter.
3BR SFR Rent
$1,200–$1,600/mo
Market rate for a 3-bedroom single-family rental in either submarket (public data approximation).
40%–55% cost advantage

Housing cost data sourced from publicly available indices (Zillow, Redfin, Census ACS). Specific figures will be validated against submarket-specific pull data as part of institutional partner DD. The directional gap — MHC housing running 40–55% below SFR on an all-in basis — is consistent across both RGV and Wichita Falls, and is the durable demand-side thesis underwriting occupancy stickiness and scheduled rent growth.

Rent Comparables

Rents below market across the portfolio.

PropertyPadsOccupancyIn-Place Lot RentMarket RentNotes
Big Valley
Donna, TX · Rio Grande Valley
22082%$453$475Stabilized · 25% YoY NOI growth FY1→FY2
Citrus Valley
McAllen, TX · Rio Grande Valley
23980%$425$465Bumped to 80% at close · 9% rent upside · 99%+ collections
First Colony
San Benito, TX · Rio Grande Valley
14880%$416$465Bumped to 80% at close · 12% rent upside · Freddie agency debt
Evergreen
Wichita Falls, TX · North Texas
15280%$449$650Bumped to 80% at close · ~44% rent upside · full value add
Sunnyvale Estates
Wichita Falls, TX · North Texas
24280%$458$650Bumped to 80% at close · highest absolute NOI upside
Rio Grande Valley Submarket Comps
Magnolia Village
Donna, TX · Roots Management Group
~180Highest. $525est. $550All-age · institutional owner · pool + clubhouse
McAllen Mobile
McAllen, TX · Roots Management Group
~150Highest. $495est. $525Institutional ops · amenity-rich
Shady Acres MHC & RV Resort
Donna, TX · Roots Management Group
~200Highest. $515est. $540Mixed MH + RV · recent capex
El Valle de la Luna
McAllen, TX · Inspire Communities
~220Highest. $495est. $525Flexible MH + park model + RV sites
Wichita Falls Submarket Comps
Dry Creek
Wichita Falls, TX · Roots Management Group
~180Highest. $635est. $675Institutional owner · storm shelters · amenity set
Plum Creek
Wichita Falls, TX · Private owner · built 1969
95Modest. $425est. $475Older vintage · below-market in-place
Colonial Park
Wichita Falls, TX · Private owner
n/an/a~$350est. $425Lower-tier · Class C comp floor

Subject rents reflect trailing in-place averages from current rent rolls; market rents are internal Silver Lands UW assumptions. Submarket comps are real named operators and communities in each submarket, sourced from public community websites (rootsmg.com, inspirecommunities.com), mobilehome.net listings, and regional market reports. Rent figures shown are estimates ("est.") based on publicly-referenced pricing; actual contract rents at competitor communities will be validated via full rent-comp survey during DD. Colonial Park rent reference ($350) sourced directly from MHVillage listings.

Filter by Property
Click a community to drill in
Rollup

All five properties at a glance.

Property Sites POH Occ. NOI '26 NOI Y5 Community Value $/Pad Y5 Cap
NOI Forecast

Historical actuals and underwritten forward NOI.

Forecasts sourced directly from the original acquisition models using as-underwritten assumptions, with Year-1 2026 NOI bumped to reflect an 80% occupancy floor at close. Community-only portfolio NOI underwritten to grow from $2.71M in 2026 to $4.93M in 2031 (~1.8×), driven by rent-to-market execution and completed renovation programs. Returns analysis adds approximately $1.77M/yr of home-portfolio net income across all 522 homes (community on-balance-sheet plus GP-entity slices) on top of community NOI.

Portfolio NOI Trajectory
Historical + UW forecast · $M
2023 – 2028
NOI Growth by Property
5-year UW forecast · $K
Y1 → Y5
New Equity Analysis

Underwriting the forward return.

New equity enters at $88.8M enterprise value alongside new senior debt. Total new equity fully loads a 2% Organization & Syndication Fee at close, a formalized CapEx reserve with a 5% project management fee, and an annual 0.5% asset management fee paid from cash flow. 5-year hold, exit underwritten on Year 6 stabilized NOI. Returns below are net of all fees and reserves.

Debt Structure
Exit Cap
Optimized · Base Case
15%
Projected IRR to new equity over a 5-year hold, net of debt service, transaction costs, and exit.
Equity Required
$35.2M
MOIC
1.92×
Avg. Cash-on-Cash
6%
Y5 Net Proceeds
$57.0M
New Debt
$62.2M
70% LTV · 6.00% · 30yr am · 5yr IO
Total Capitalization
$97.4M
$88.8M purchase · $3M CapEx reserve · $3.6M closing & reserves
Annual AM Fee
$176K/yr
0.5% of new equity · drag on levered CF (already net in IRR / CoC)
Hold Period
5 Years
Close Q4 2026 · Exit Q4 2031
Projected Cash Flow to New Equity
Levered free cash flow + Y5 exit · by year
Optimized · Base Case
Return Sensitivity
IRR by debt structure × exit cap rate
Debt Structure Equity Required Downside
6.00% cap
Base
5.50% cap
Upside
5.00% cap
MOIC · Base Avg CoC
Property Detail

Five assets. Five underwritings.

Pro Forma

Five-year operating pro forma.

Line-item revenue and operating expense build for each community plus the consolidated portfolio. Revenue breakdown follows standard MHC composition (site rent, POH rent, utility reimbursement, other); opex categories allocated using Texas MHC benchmarks. Stabilized NOI by year ties to the underwritten forecasts from the original acquisition models.

Revenue decomposition derived from in-place rent and market rent data by property; POH share scales with park-owned home count. Operating expense allocations use stabilized Texas MHC benchmarks — property taxes 24%, insurance 10%, payroll 18%, R&M 14%, utilities 10%, G&A 8%, property management 11%, marketing 5% of total opex. Value-add properties (Evergreen, Sunnyvale) show higher opex ratios in Y1-Y2 as occupancy stabilizes. All figures round to nearest $1K.

Capital Plan

A detailed value-add program, fully reserved at close.

NOI doesn't grow on its own. Every dollar of upside in the forecast depends on real work getting done — infrastructure repairs, amenity upgrades, and the homes we need to renovate and fill. So we sized the CapEx from the ground up by walking each property, then reserved the full budget at close. That way the money is there on day one, not something we have to manufacture later. The numbers come from what we actually see on the properties and what we've paid for similar scope on other Texas MHC deals.

CapEx Scope by Property × Category
$ allocated · funded from new equity at close
 
Property Infrastructure Roads & Drainage Amenity POH Renovation Utilities Marketing Property Total
Annual Phasing
Deployment schedule · Y1 front-loaded
Year CapEx Contingency Total Primary Scope
Fee & Reserve Summary
Funded at close · paid from cash flow as noted
ItemBasisAmountTiming
Risks & Mitigants

What could go wrong — and how we've structured against it.

Every recapitalization carries real execution, valuation, and market risks. Rather than minimize them, here's how we've thought through the four most material risks and what's structurally in place to mitigate each.

01
Execution & Stabilization Risk

Evergreen and Sunnyvale Estates were underwritten to ~80% occupancy at close (up from today's 72% / 65%) and represent the largest portion of the Year-5 NOI bridge. Delivery of the underwritten Y5 stabilized cap depends on maintaining the 80% base and completing value-add work on schedule.

Mitigants
  • The same playbook has already delivered. Elm Creek Meadows — a similar-profile North Texas value-add — hit 96% occupancy in under 18 months under Silver Lands operations. Evergreen and Sunnyvale are running the identical playbook.
  • Value-add scope is tied directly to lease-up. POH renovation CapEx of $276K at Evergreen and $420K at Sunnyvale delivers move-in-ready inventory — the specific input that converts qualified leads to signed leases.
  • Work is already underway. Silver Lands took over operations at both properties in September 2025; in-place rent adjustments, POH renovation, and occupancy initiatives are live — not plans waiting to start.
  • Dedicated field coverage. A Regional Manager lives in the North Texas submarket, walks both properties monthly, and owns the occupancy scorecard shared with the executive bench.
02
Low Going-In Cap Rate

The deal is priced to a 7.3% Year-5 stabilized cap (on NOI net of $200K/yr reserves), which implies a lower cap rate on current NOI. Forward return depends on NOI growth materializing on schedule rather than on speculative rent expansion.

Mitigants
  • Entry basis reflects institutional pricing. Community priced at 7.3% Y5 stabilized cap — below the institutional 8–10% target range for stabilizing Texas MHC — new equity is entering at a margin of safety, not paying a premium for future stabilization.
  • NOI growth is rent already available, not speculation. ~44% rent upside at Evergreen and similar at Sunnyvale (market rent ~$650/pad vs in-place ~$450) is market-supported rent that just hasn't been captured yet — we're closing a documented gap, not underwriting inflation.
  • Three of five communities are already stabilized and cash-flowing. Big Valley, Citrus Valley, and First Colony generate positive NOI from Day 1 — the low going-in cap is concentrated in the two value-add assets, not the full portfolio.
  • MHC is the most resilient CRE category through downturns. Even if the stabilization curve slows, in-place income has structural downside protection that a lower-cap office or retail position wouldn't.
03
Home Portfolio (POH) Complexity

The turnkey 522-home portfolio introduces chattel-style complexity not typical of pure-land MHC transactions. Home maintenance, turnover, and chattel financing add moving parts compared to a rent-only play.

Mitigants
  • Home basis is set conservatively. $40K per home is retail-equivalent — well below finished replacement cost — so basis carries a liquidation cushion independent of the community thesis.
  • Chattel financing optionality is already in place. 21st Mortgage, Triad, and Legacy all pre-qualified as chattel lenders — the home portfolio can be refinanced, repositioned, or sold independently of the communities.
  • Every home tracked individually. The Main Street platform monitors title, occupancy, rent collection, and sales pipeline per home — so POH P&L is as transparent as pad rent revenue, not a black box.
  • Operating DNA is POH-fluent. Nick Hansen (ex-Vivint, CRO) built high-velocity home-sales machines at scale; Derek Wilson (25+ years at Sun Communities / ARC) managed POH-heavy portfolios up to 20,000 sites.
04
Market Concentration (Texas)

Portfolio is concentrated in two Texas submarkets: the Rio Grande Valley and Wichita Falls. Geographic concentration introduces exposure to Texas-specific economic or policy shocks.

Mitigants
  • The two submarkets have uncorrelated demand drivers. RGV is anchored by cross-border trade, healthcare, and agriculture; Wichita Falls is anchored by Sheppard AFB — the nation's largest Air Force training installation, insulated from private-market cycles.
  • Texas is structurally pro-growth. Pro-business regulatory environment, no state income tax, and the strongest population and employment trajectory among major US states — the macro is constructive, not cyclical.
  • Supply constraint is acute in both submarkets. Zoning, entitlement costs, and utility tie-ins mean competing product won't arrive during the hold — value accretion is structurally protected.
  • Operating capability is insulated from Texas. The Main Street technology platform, institutional reporting systems, and deep executive bench were built to run across 8 states — a Texas-specific shock affects the assets, not our ability to operate, lease, and refinance them.
Sources & Uses · Q4 2026 Close
New capital structure at close — agency debt plus new equity fund the $89M enterprise value.
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At Q4 2026 close, $62.2M of new agency senior debt and new LP equity fund the $88.8M enterprise value plus closing costs, reserves, fees, and a fully-funded CapEx program. All proceeds flow to the new capital stack — existing capital is satisfied at close in a separate, off-deal transaction.

Sources & Uses · New Equity Partner
Sources
New Agency Senior Debt (70% LTV)$62.2M
New LP + GP Equity$35.2M
Total Sources$97.3M
Uses
Enterprise Value (Community + Homes)$88.8M
CapEx Reserve (fully funded at close)$3M
Closing Costs & Operating Reserves$3.6M
Organization & Syndication Fee (2%)$1.8M
Project Management Fee (5% of CapEx)$0.2M
Total Uses$97.3M
Annual AM Fee · 0.5% of equity$176K/yr

Deeper analysis of the five underlying assets, the monthly operating pro forma, and the Studio 168 Productions sponsor platform is one click away — The Assets, The Returns, and The Sponsor tabs above.