- Pre-HUD units (pre-1976): built before federal standards, often with aluminum wiring, flat metal roofs, 2x2 or 2x3 framing, and minimal insulation. They still generate lot rent, but moving them or securing chattel financing is difficult.
- Post-HUD units (1976–present): built to national codes with copper wiring, 2x4/2x6 framing, pitched shingle roofs, and residential insulation standards.
- Portfolio strategy: a mature park can support vintage homes if pedestals are safe and roofs maintained, while gradually infilling modern post-HUD units.
Key Takeaway
Differentiating pre-HUD from post-HUD units allows operators to accurately assess electrical safety, insurable risk, and resale financing feasibility.