Buyers drastically underestimate capital needs.
You need:
✔ Down payment: 30%
Standard commercial loan expectations.
✔ Closing costs: 3–5%
Appraisal, fees, legal, loan costs.
✔ Working capital: $30k–$100k
Payroll, utilities, supplies, repairs, marketing, software.
✔ Capital expenditures (seasonal parks especially): $25k–$250k
Roads, pedestals, septic, plumbing, upgrades.
✔ Cash buffer: always
To handle first-year surprises.
Total required: 35–45% of purchase price
Realistic, safe, and proven.
