Even if some things have loosened up on this side of things over the last couple of years and I'm not aware of it, which may very well be the case - I said all of the previous paragraph to say that when the market softens again (and it will) - manufactured homes were one of the first property types in the crosshairs of the major lending institutions.

This was several years ago, so not sure if VA has softened this stance.Good luck

Lots of people on here jump through a bunch of hoops to get 10 conventional loans and prior to the reserves requirement changing (softening ) kept huge reserves for each property.

A single unit/house with no additional units/tenants to help soften the blow from down time will be something you want to be ready for.I just did a search in Denver, CO on Craigslist using the map feature and specified "condo" in the apartment/housing.  

I do believe we are heading for a correction in the market here, but who knows when, and I see it happening as more of a "softening" than a major downturn, the market is leaning towards the seller side but there is a lot of action on both sides with healthy activity and much stricter lending standards than in the past. 

Some areas have boom and bust cycles that are more dramatic than others, such as Phoenix, and other areas merely soften demand without any measurable decline in prices.  

And if prices soften more, you will be well aligned to make your next move. 3- the value of an SFH with an ADU in YOUR SPECIFIC CITY AND NEIGHBORHOOD is an Important question for you to understand.

AFTER MOVING IN I REALIZED THERE IS NO WATER BILL, THERE IS A WELL, WHICH GOES THROUGH A WATER SOFTENER WHICH RENT COVERS COST OF SALT @ $12.00 A MONTH. 

Also, might depend on what your future outlook is on the area, whether you think it may appreciate, or rents may grow, or if it has had a recent run-up and may start to soften, etc, etc.  

SF is now softening on rents, especially on the high end.