Financing
Banking Your Dreams
Tiny Home Finance Programs
Our in-house financing program distinguishes us from other lenders because of our great customer service. Our goal is to get you an answer as quickly as possible and provide any potential solutions to get you qualified.

Pre-Owned Home Purchase in approved
TX Tiny Home Community
Minimum credit score 650
- All conditions identified for New Homes apply to pre-owned homes.
- DTI (debt-to-income) ratio up to 50% accepted.
New Home Purchase in approved
TX Tiny Home Community
Minimum credit score 650
- Loan Term
23 years or less. Possible exception to 25 years on a case-by-case basis. - Down payment requirement
Minimum down payment ranges from 5%-10% based on FICO score- 720+ = 5% down payment
Possible exceptions for 5% down payment for FICO score less than 720 on a case-by-case basis. - 650-719 = 10% down payment
- 720+ = 5% down payment
- Two years of continuous employment. However, gaps are allowed up to 60 days if borrower provides explanation letter and is approved by SRH Capital.
- One year of rental history verification.
- No foreclosure, short sale or repossessions within the previous 2 years.
- No derogatory rental history, housing collection or judgments within 2 years. One late payment allowed.
- No new collections or judgments within 6 months, other than medical.

Fees
All loans are subject to the following list of fees
- 2.0% loan origination fee
- $32.95 credit report fee
- $97.00 life of loan tax fee
- $995.00 documentation preparation fee
We accept DTI ratios up to 50%

Escrow for Property Insurance/Taxes
SRH Capital is required to escrow for homeowner’s insurance and property/personal taxes (if applicable). The first year’s insurance premium may be financed in or paid in full before closing. If home is located within a flood plain, applicant(s) will be required to also obtain a flood insurance coverage.
SRH CAPITAL LLC
16427 N. Scottsdale Rd., Ste. 400 Scottsdale, AZ 85254
512-809-9894
mhcprocessing@robertsrc.com
NMLS ID: 2678715
