The Mobile Home Problem

[Doug Laroche]

I NEED ADVICE! 

It turns out that if a property has a house and a mobile home on the same lot, banks will not finance it (at least the ones I've talked to)

So here is the plan, I get a hard money loan for the property, then after purchase I get the zoning changed so the mobile home is on its own lot. This should make it so I can refinance into a conventional loan. the problem is I don't know much about zoning, and I don't know how refinancing two separate properties would work! Also would 70% of the home values get me out of the hard money loan all the way? 

What do y'all think?