Now how do they pay a 12% return if the majority of the parks are not profitable?

My hunch is that more often than not, saving money and getting your ship in order to qualify for an FHA loan is the best and most realistic ladder to homeownership for the vast majority of people.     

You are likely overpaying by $5,000.Broker fee of $3,000 and Processing Fees of $2,000 seem out of place...but then again, i never used a broker to get a loan so I am not sure about that.If the broker was able to get you an interest rate or loan product that you wouldn't be able to find on the open market...its high, but likely fair.if you are getting a loan product that you could have gotten by going to a normal bank...seems high and unnecessary. 

It was a rental for us about 1-2 yrs after a major remodel.

One of the major driving factors for increased premiums is the carrier's requirement for higher replacement cost limits on file for buildings. 

The vast majority of new construction, especially in Denver metro and the surrounding communities, has been multifamily and townhomes.

Screening and Gaurantors are important, you might want to look at majors for some more serious ones that don't have time to party. 

This is for 3 properties I use spreadsheets, that I also provide to my clients if they don’t have a good accounting system. it can be a lot of work with making sure you have all the receipts, issuing 1099s, ensuring you have deductions, etc. as such, I recommend doing bookkeeping monthly. what’s funny is that as a tax preparer and advisor, the majority of the time isn’t spent entering numbers on a return.

Experienced managers can help evaluate potential investments by providing insights on rental demand, market rents, tenant preferences, and location-specific factors that affect leasing success.For example, rental properties need to be close to conveniences like major roads, shopping, and schools.

Pittsburgh is home to many major universities including the rapidly growing Carnegie Mellon University which is “at least partially responsible for Pittsburgh’s growth, from revitalized neighborhoods to a vibrant and booming restaurant scene.”