Need some help refinancing.

[James Neff]

The short of it is, I have a double wide trailer, approx 18 years old, on a brick foundation, with a Fannie Mae 15 year loan. The payment is 1100 a month and the rent coming in is only 650. Ive talked to several banks, and none are willing to help me refinance it.
I would like to ask your advice on creative ways to get the mortgage payment closer to what the incoming rent is.
As I know very little about financing, any accurate, or detailed descriptions are most welcome!