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

RV Park & Campground Underwriting — Seasonal Revenue & DSCR Analysis

Normalize seasonal cash flow and get an SBA-ready deal memo in minutes.

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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.

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.

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
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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.