A small factory-built home can be a practical way to add a casita for family members, create a rental unit, or build a place to downsize on your own property. Here is what New Mexico property owners should know.
Why HUD-Code Homes Instead of RV-Style Tiny Homes
Park model RVs and “tiny homes on wheels” are often classified as recreational vehicles rather than dwellings. In many jurisdictions, that means they cannot be approved as an ADU or used for full-time living. HUD-Code manufactured homes are built to a federal housing standard and are recognized as dwellings, even at smaller sizes. That makes them a strong ADU option wherever local zoning allows manufactured homes.
Financing Flexibility
A manufactured home can be titled as real property when attached to a permanent foundation, or as personal property. Depending on your situation, personal-property financing may let you purchase the ADU without refinancing the mortgage on your main home. Options vary by lender and property, so we will help you understand what may apply to you.
Common Uses
- A casita for aging parents or other family members
- A private guest suite
- A long-term rental
- A smaller home to downsize into while keeping your property
Check Local Rules First
ADU rules vary by city and county. We help you identify zoning, setback, utility, and permitting questions early, before you commit to a home.
Planning an ADU?
Tell us about your property and goals, and we will help you evaluate your options.
Home sales are conducted through Zia Factory Outlet. Carl Ulibarri is a licensed New Mexico manufactured housing salesperson with Zia Factory Outlet.