My partner and I developed a banking relation with a moderate sized Texas bank 11 years ago.  

This caused it to get less traction as other homes at the same size.

That will allow you to keep your low rate on $170k if you have a low rate, then have a line of credit that is only the size you need and easy to pay down.This approach keeps your $170k liquid, sets up a $0 balance HELOC for the additional principal you can get and you don't pay for the additional principal loan in the HELOC until you use it, and only for what you use.

There is also an acre lot and garage and the price point is well below any equivalent newer trailers or stick built homes of similar size in the area (probably 50% of their value).

However, you should factor in the legal cost of pursuing versus the size of your investment because this can be an expensive endeavor alone.

Something of that size your accountant will absolutely tell you to submit a 1099.

., several missing railing spindles, a fist-sized hole in one wall, and new carpet for a small section of the living room).

I would speculate and say that about 2000 people will be employed there for the next 2 years for the startup.Paul,  it's the #1 or #2 refinery in the world in terms of size.  

I think the biggest issues I've had in the past with other programs is that it's a one size fits all and that's simply not the case.

This caused it to get less traction as other homes at the same size.