I am looking for recommendations for best financing options.The owner is considering financing it, but until they agree, I am planning as if they will not do so.The local credit union I use, who is very investor friendly, is unable to lend on properties larger than 4 units right now. 

Is it deal flow, financing, or something else?

You can finance manufactured homes with a DSCR loan. the max LTV is 65% for both purchase and refinance.

Quote from @Elaine Ericson: I sold a mobile home giving Owner Financing (OF) (never again will I offer OF). 

How did you finance this deal?

I'm a real estate finance broker and love talking real estate leverage!

Quote from @John O'Leary: Hi Joe,We’ve worked with several PadSplit investors to secure financing, and while these properties cash flow really really well, they do come with challenges—tenant turnover/issues and being the biggest ones.One hurdle we’ve seen is that getting financing can be tricky since PadSplit rentals are still considered non-conforming by most lenders.

Consider exploring alternative financing strategies (like seller financing or creative financing) or targeting off-market deals to find better opportunities.

As a loan officer at Aslan, I'm excited to connect and offer insights into financing options for real estate investors.

I did a land/mobile home financing deal on my first home.