RV Park & Campground Underwriting · 2026 Guidelines · Under 2 Minutes

RV Park Underwriting in Under 2 Minutes

Lender-ready DSCR analysis, SBA eligibility check, and seasonal-revenue risk memo — built for RV park and campground operators and brokers.

No credit card. Free tier.

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Flagged NOI seasonality discrepancy — re-underwrote to 1.18× and walked.

Private Equity LP·120-site RV park · Arizona

RV parks and campgrounds don't fit a clean multifamily mold — revenue is seasonal, rate structures stack daily/weekly/monthly, and lenders need you to prove the cash flow isn't a single good summer. AssetForge normalizes all of it: TTM by season, RevPAR by site type, and a stress-tested pro forma that accounts for weather risk and tourism beta.

Upload your POS reports, reservation data, and photos. The report walks through site-type revenue (RV vs tent vs cabin vs long-term), ancillary income (store, laundry, activities), and a realistic take on what a lender will underwrite versus what's in the OM.

Sample Report

See what a RV Park & Campground report looks like

We publish one full reference report so you can read every section before you upload anything. The structure is identical for rv park & campground deals — the same 14 sections, the same depth, the same lender-ready output.

rv-park-sample-report.mdReference sample · 58-unit MHP
Executive Summary + Verdict
Income & Expense Analysis
DSCR at 5 Loan Amounts
Stress Test (2026 standards)
5–10 Year Pro Forma
Risk Matrix & Red Flags
SBA / Agency Eligibility
Deal Analysis Memo
15–30 pages · Lender-readyRead Full Sample →
Underwriting Benchmarks

RV Park & Campground Metrics We Check Every Time

1.30×+
Target DSCR
SBA & bank typical
8–11%
Typical cap rate
Varies by seasonality
$5M
SBA 7(a) max
Standard program
75%+
Occupancy floor (peak)
For lender comfort
Built For This Asset Class

What You Get in a RV Park & Campground Report

Seasonal revenue normalization

Breaks the TTM into peak / shoulder / off-season and stress-tests whether the deal pencils if peak underperforms by 20%.

Site-type RevPAR analysis

RV / tent / cabin / long-term — each priced, occupancy-modeled, and benchmarked against the regional market.

SBA 7(a) and 504 screening

RV parks often qualify for SBA financing. The report flags owner-occupancy requirements and eligible use-of-proceeds.

Ancillary income modeling

Store, propane, laundry, firewood, activities — these can double a park's NOI. The report isolates them so you see core-site NOI separately.

Deep Dive

How AssetForge Underwrites RV Park & Campground

RV park underwriting service for operators and acquirers

Our RV park underwriting service handles every iteration of the asset class: transient RV, long-term RV, glamping, cabin parks, and mixed RV/MHP. Each site type is modeled separately — daily/weekly/monthly rate stacks are deconstructed, ancillary income (store, propane, laundry, activities) is isolated, and the stabilized pro forma is built on lender-defensible occupancy, not operator dreams.

RV park DSCR analysis with seasonality stress test

A 1.45× DSCR at peak season can collapse to 0.85× in the off-season. Our RV park DSCR analysis normalizes the TTM into peak/shoulder/off-season, stress-tests a 20% peak-revenue shortfall, and shows you the lender-perspective DSCR — not the broker-pitch DSCR. We benchmark against SBA 7(a) and 504 thresholds and flag deals that need supplemental liquidity reserves.

RV park SBA eligibility — when 7(a) and 504 fit

RV parks are one of the few hospitality-adjacent asset classes that routinely qualify for SBA financing. RV park SBA eligibility hinges on owner-occupancy (typically the management role), business operating history, and a meaningful service component. Our eligibility module screens against SOP 50 10 8 and tells you whether 7(a), 504, or conventional is the right path for this specific deal.

FAQ

RV Park & Campground Underwriting Questions

Can AssetForge handle glamping or cabin-heavy parks?

Yes. Glamping resorts and cabin parks are modeled as hospitality-lite — RevPAR, ADR, and occupancy metrics are calculated per site type, and the report compares them to boutique lodging benchmarks.

What about parks with heavy long-term tenants?

Long-term tenants are underwritten separately as they materially change the credit profile — more stable cash flow but lower ADR. The report flags the mix and adjusts the valuation accordingly.

Does this work for new construction or raw land RV parks?

AssetForge is built for stabilized and value-add acquisitions. For development deals, it can analyze the stabilized pro forma but does not replace a construction budget review.

Analyze Your RV Park & Campground Deal
In Under 2 Minutes

Start with a free Go/No-Go screen. Upgrade only if the deal looks real.

AI-generated informational analysis only — not financial, legal, lending, or appraisal advice. Not a substitute for a licensed MAI-certified appraisal or professional due diligence. All figures, projections, and market estimates must be independently verified by qualified professionals before any capital decision is made.