Interesting Scenario looking for financing options!

[Joe Kim]

I have about 5 acres in a single parcel, I have a manufactured triple wide home on one side of it, and my mom's SFR on the other side. Been trying to do a refinance, but of course no lender is going to do a refi with two SFR's on a single parcel. I've been thinking about splitting it, but the cost to do so will be around 25K in total through the county of San Bernadino. Are there any private lenders that would touch this? I have it appraised for around 430K (includes both properties and land) and a single mortgage for about 250k. I have a balloon payment coming up in 3 years on my current mortgage, so I probably won't start the private money loan process till about 8 months before the balloon is up. If I could afford to split the property I would. Anyone got any financing options or suggestions? I'm all ears!