My mother has some real estate she is motivated to sell and I've been tasked with selling it for her since she has realized my new undertaking here.

Unfortunate, but not a surprise.The more ignorant laws the stupid politicians pass in CA and a few other states, the better it is for those of us operating in relatively business friendly states as jobs and residents continue to flee those anti-business locations.

As a Central Texan, I will agree that Killeen has an extremely high crime rate, but they just received a federal grant to set up task forces to help combat it. 

That's ironic because financing a single mobile home is a daunting task.   

I am very anti PMI.

Ontario has the most anti landlord/tenant friendly regulations in North America in my opinion.

It is no easy task to complete.

It is a 10 min. task. 

I would not keep him at $485 but I would sit down with him and tell him the other tenants were paying $200+/month more and he needed to pay at least a bit more in rent or services each year.Maybe go up $30/year and get him to help out with some more maintenance tasks or something.

I know that some still look at obtaining a mortgage here in 2018 as a minor, inconsequential and trivial task after a deal is negotiated on the real estate side, but for the rest of America, who need to obtain a mortgage, they know or will know, it's not a cake walk.