Advice on my financing situation - 37 Acres & 3 units and a 11 spot RV Park

[Rocky Gibson]

Hi -

Hoping to get some advice and/or connect with a potential lender for my scenario.

Currently I own a 37 Acre lot with 1 Duplex and 1 SFH. Total rent between the three is $3200/month.

I have an adjustable 20 year mortgage with a balance of $100,000~ at 4.95% that is set to adjust in 2026.

I also have a HELOC on that property at $180K~ with a 9.75% rate.

I am hoping to roll these two into one loan and reduce my monthly payment/ interest rate on the HELOC as I will be having the debt long term.


I also currently own a 11 spot RV Park which I own all 11 units and is currently generating $10,375/month in rent. It is on a 13 acre parcel that I own free and clear.

I want to be able to borrow against this somehow to give me capital to work on some other development plans that I have.

Anyone have any advice on how best to pursue this? I have not received favorable terms from the local bank I worked with on the original loans, and they are unwilling to work with the RV Park whatsoever.

This is in Clay County, Alabama.