Super important question, we totally understand that properties can be zoned for specific types of housing and lenders have preferences on what type of housing they will offer loans on! We are a prefab modular cabin builder. We also build tiny homes.
Prefab is an all encompassing definition that means built in a factory – the cabin is prefabricated off site, in a factory and delivered to your property. Prefab cabin builders are all over the place, check with their certification status to see if they are to code, and something you can have on your land.
Modular cabins are prefab cabins that HAVE A MODULAR CERTIFICATION Issued from a state or states. Modular certified is a prefab cabin in either one or more sections that is built in a factory to IRC codes for your area and delivered to your property. Most lenders, state and local governments require a modular certification for any factory built home as assurance that these are built and inspected to code. The only way to 100% assure this, is to be certified, hence the requirement for most lenders and to be in compliance with building codes. Leland’s Cabins is currently the only Certified Modular Cabin company in the state of Texas. We also have multiple state certifications, so chances are, we can build and deliver to your state!
Mobile / Manufactured Housing are homes built in a factory, so prefab, and are built to HUD codes, not IRC codes and are placed on a trailer chassis. Manufactured homes are not considered real property, but personal property. Because they are personal property, manufactured homes are usually more expensive to finance. Personal property loans, sometimes called “chattel loans,” usually come with higher interest rates and shorter terms than a mortgage loan. Another consideration is personal property does not appreciate the same way that ‘real’ property does. Modular cabins, once on your property, are ‘real’ property and handled the same way as a site built for insurance, loan and resale value.
Stick Built – this one is clear with state building codes. Stick built is a SITE BUILT home, built to IRC Codes. Just because a prefab cabin company uses ‘sticks’ aka. Lumber, to build your cabin, that does not classify them as stick built, even if they advertise that way! Check your local building codes, they are easy to navigate for definitions. We will not claim to be stick built, we respect building codes.
Tiny Homes – A Tiny home is built to residential codes that are spelled out in Appendix Q of most state building codes. Tiny homes are prefab homes or cabins built to residential codes and do fall under modular cabins regulations in the majority of states. Tiny Homes on wheels are different, these are on a recreational vehicle chassis and built to RVIA(Recreational Vehicle Industry Association) codes, and are not certified modular cabins or homes. Click Here for more information on Tiny homes and Tiny Homes on Wheels.
It is always important to do your research to ensure you are purchasing the right type of cabin or home for your property that your zoning will allow. If you have any questions, please let us know, we are happy to help and can let you know if we are a good fit for you based upon what your property or loan will or will not allow. While we would love to sell everyone a fantastic Leland’s Cabin, we understand that we are not a fit for all properties and property restrictions. Buying a cabin is a large purchase and we want to ensure that you get the right fit for you. When you work with Leland’s cabins, one of the first questions we will ask is if your property has any restrictions, and what type of housing is allowed on your property.