Today he drove over an hour into the woods for us to look at a mobile so my husband does not have to commute.

I had a similr issue a few years ago with a property in Cleveland where my property manager hit the same roadblock.

The impact of not having F/f financing is large (>10%) if the appraiser recognizes this potential issue.  

(other issue was a leaky toilet we took care of, at our expense).  

Unless you negotiate a new contract or addendum with your PMC, they do NOT have to abide by any requests/demands you make that contradict what's written in the management contract.If they have in fact NOT followed the terms of their contract, then you'll want to send them something in writing pointing out the specific language in their contract that they violated and ask what they plan to do about it.If they fail to correct or address the issues, then you'll want to start looking for a new PMC.

I do agree the lack of control is a potential issue.  

However if you are doing it with a conventional loan, you will definitely run into underwriting issues if that is noted on the appraisal. 

I've been a real estate investor my entire life, doing my first deal as a senior in high school ($5,000 mobile home).

And it's not only homes, it's all the infrastructure a city needs.On the insurance issue, I think this may be the end of national carriers.

RESOLVE this issue NOW and make a clean break.