1. Mobile Homes:
Personalty or Realty?
Ted Pluta
O. R. Colan Associates

2. Mobile Home Types

3. Purchase or Move?

4. Items to Consider:
• State Law
• Condition of Mobile Home
• Planning

5. Realty vs. Personalty If the mobile home is classified as:
• Realty, the Agency acquires it
• Personal property, the Agency pays the actual, reasonable costs to move it

6. Displaced Person Tenant in Mobile Home/ Tenant on Site
Owns Mobile Home/
Owns Site
Owns Mobile
Home/Tenant
on Site
Displaced
Person
Tenant in Mobile Home/
Owns Site

7. Increased Mortgage Interest Costs
Replacement Housing for
Owner-Occupants
($22,500 maximum)
Price Differential
Increased Mortgage Interest Costs
Incidental Expenses

8. “Tenant” Housing $5,250 Down Payment Rental Subsidy Incidental
Expenses

9. Owner vs. Tenant
The occupant’s status as an owner or a tenant of the mobile home, not the site, determines the maximum eligibility for the Replacement Housing Payment

10. Replacement Housing Payments
Usually a computation for a comparable mobile home and a comparable mobile home site; or a combination of the two

11. Owns Mobile Home/Owns Site
• Closely duplicates the owner-occupant of conventional dwelling
• If the displaced persons occupied the mobile home 180 days, he/she is eligible for price differential, mortgage interest differential and incidental expenses

12. Tenant in Mobile Home/ Tenant on site
• Closely duplicates the tenant-occupant of conventional dwelling
• If in occupancy 90 days, the displaced person is eligible for rental assistance or down payment assistance, including incidental expenses

13. Owns Mobile Home/ Tenant on site
• Length of occupancy in mobile home will determine type of payments available for mobile home (and maximum overall)
• Rental assistance or down payment assistance, including incidental expenses for site

14. Tenant in Mobile Home/ Owns Site
• Eligible for rental assistance or down payment, including incidental expenses for mobile home
• Also eligible for replacement housing payment for site, but amount for mobile home and site limited to $5,250

15. Moving and Related Expenses If Mobile Home is Personal Property
• Moving the mobile home, including porches, decks, etc. that were NOT acquired
• Anchoring the mobile home at the replacement site and utility “hookup” charges

16. Moving and Related Expenses If Mobile Home is Personal Property
(continued)
• Repairs or modifications so it can be moved and/or made decent, safe and sanitary (DS&S)
• Non-refundable mobile home park entrance fees

17. Moving and Related Expenses If Mobile Home is Personal Property
(continued)
Moving of personal property inside
And outside the mobile home
• Commercial move
• Fixed residential moving cost schedule
• Actual cost (based on documentation)

18. Moving and Related Expenses If Mobile Home is Personal Property
(continued)
Temporary lodging and meals for displaced person while mobile home is being moved and set up

19. Mobile Homes That Cannot
Be Moved
• Is not, and cannot economically be made decent, safe and sanitary
• Cannot be relocated without substantial damage or unreasonable cost

20. Mobile Homes That Cannot
Be Moved
(continued)
• No available comparable replacement site
• Does not meet mobile home park entrance requirements

21. Summary • Purchase if you can • Planning, Planning, Planning
• Lots of “PR”
• Must have nearby “onsite” office

22. Discussion ?
Questions and Answers