I will make about 10 to 12k on this one he will make about 60k without putting up a dime.4. fix and flip  he put up 10k but we had to remove the tenant so its under rehab now.. same spread as the first one  he will get his 10k back and make about 30k I will make 10 to 12k for loaning in 100k for 6 months.. 5. cosmetic flip  cant recall the numbers but this one i funded 100% and its about done I will make my 10k and he thinks he will make 15 to 17k on a 30 day rehab prime area of his little berg.I also pay all the insurance he has to pay UTLS though and he has to put up EM which you know the mid west its a joke 200.00 bucks or 500.00 bucks..

Traditionally, DSCR loans that allowed STR have always wanted DSCR to be calculated on long term rental rates OR 12 months of actual performance or some heavily hair cutted version of Air DNA and all of these products would price gauge on rate.

It just makes sense removing the current conflict of interest that exist in the industry right now. 

Should I replace tiles with the luxury vinyl to look nicer (extra $1k to remove the tiles for such a small area, and vinyl would not be durable) or leave the tiles?

Then, they'll move out of the park and you can take steps to fix up the homes to sell them or remove them and find newer, used mobile homes to replace them. 

Quote from @Carl Rowles: As a rule of thumb, I prefer to remove any tenant that is currently 20% below market or more.

I would figure out how to remove the tenant, clean the place up, and sell it.

And your downside risk is protected because it's a house for you to live in - it's an investment to remove your biggest expense.

So it sounds like they wanted to see you maintain deposit accounts with the bank and now they have possibly removed a discount they had given you when you took out the loans?  

When a listing agent also represents the buyer, the fiduciary duty to both parties gets removed, and instead turns into a duty to oneself (as the agent) to make the most amount of money possible.