Midwest FHA Inspect is the FHA-pipeline specialty within the broader Scapular Engineering practice. Scapular Engineering, P.E. — primary Missouri licensure since 2019, FHA-MH pipeline specialty since 2018. 5,000+ FHA reports across the seven-state footprint with a 98% first-submission approval rate.
B.S. Civil Engineering, Missouri University of Science and Technology, 2008. PE licensure issued by the Missouri APELSLA board in 2019. Specialized in residential structural inspection and manufactured-housing structural certification since 2018.
Before opening the dedicated practice, our P.E. worked several years in structural-engineering practice covering both commercial and residential scopes. The transition to manufactured-housing FHA specialty was deliberate — an under-served regional segment, a high-touch document workflow that rewards consistency, and a client base (loan officers, processors, FHA case reviewers) that values a single engineer signing every report in every state.
The seven-state expansion happened sequentially as reciprocity arrived: Illinois, Arkansas, Kansas, Iowa, Nebraska, and Indiana. Each state's licensure is independently held; reports are signed under the issuing state's number for work performed in that state. No shell firms, no per-state subcontracting.
FHA-insured manufactured-home structural certification sits in a narrow specialty band. The handbook framework (HUD 4000.1, PFGMH, 24 CFR § 3280, plus periodic mortgagee letters) is distinct from conventional structural engineering practice. The document workflow (case-number routing, conditional approvals, HOC interactions) is distinct from a typical site-built home inspection. And the client base — FHA-focused loan officers and processors — values a partner who understands the pipeline as a whole, not just the engineering.
The FHA-MH specialty also has its own physical patterns: pier-and-anchor foundation systems rather than conventional perimeter footings; data-plate and certification-label verification as document-tied findings rather than structural findings; running-gear-removal as a permanence criterion that doesn't exist in conventional housing. An engineer who works mostly on commercial structures or site-built residential won't have the field experience to call common conditions quickly.
5,000+ FHA reports with 98% first-submission approval reflects the specialty. The reports are formatted to be checked, not read; the engineer recognizes common conditions on sight; the underwriter rarely needs clarification. That throughput is what allows us to maintain SLA at scale.
Midwest FHA Inspect is the FHA-pipeline practice within the Scapular Engineering network. The same engineer of record signs reports across several specialty sites, each focused on a distinct document workflow with a distinct recipient.
FHA-pipeline specialty — HUD 4000.1 reports for FHA-insured manufactured-home loans. Seven states active (MO, AR, IL, KS, IA, NE, IN).
Multi-product manufactured-home structural inspection — FHA, conventional, USDA, insurance carrier, dealer, cash buyer, new install, disaster, refi. inspectmfg.com
Settlement-package practice for the dual-deliverable workflow: PFGMH foundation cert + chattel-to-real-property affixation document. Heavy on title-agent and closing-attorney workflows.
Fintech-aesthetic site for dealer-finance and rent-to-own partners issuing affixation documents at scale. API-style intake, batch processing, programmatic delivery to platform partners. affixreport.com
St. Louis and Kansas City metro aluminum-branch-wiring certification practice. PE-sealed Alumiconn cert for insurance binding, real-estate transactions, refi, pre-listing. alumiconn.org
All practice lines roll up to the same engineer of record, the same $2M E&O carrier, and the same direct line. If a job spans practices — an FHA file that also needs an aluminum-wiring cert, or a settlement package that includes a structural opinion — the work flows internally without re-coordination. See the hub site for the full firm overview.
Professional liability insurance is a hard requirement for the work and a soft requirement for credibility. The policy is $2 million aggregate, $1 million per-claim, A+ rated carrier. Policy details available on request to underwriters or compliance reviewers.
The liability framework is why FHA, conventional, and USDA underwriters accept PE-sealed reports as primary documentation: the engineer accepts professional responsibility under their license, and the E&O policy backs that responsibility if a finding is later challenged. This is a meaningfully different framework than a home inspector's general liability insurance — and the reason a generalist home-inspection report can't substitute for a PE certification on an FHA loan file.
Drop the property address, FHA case number, and timeline. Acknowledgment within an hour. Written quote same business day. Field visit confirmed within 24 hours. PE-sealed PDF in your underwriter's file in 24 hours from field visit.
Midwest FHA Inspect is the FHA-pipeline practice within Scapular Engineering. The same engineer signs reports across manufactured housing, settlement-package, dealer-finance affixation, and aluminum-wiring practices — one license, one $2M E&O policy, seven-state coverage.
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