If you want to get rid of that loan pay it off with the cash flow rather than have this pipe dream that some bank will want to refi a $20K loan.BTW if the idea is to get seller financing why do you think you have to have 30% down.

The utility employee failed to close the basement door (after shutting my entire building HVAC down and my first floor pipes froze and busted).

The pipes that broke were copper pipes for the baseboard heat.

Burst pipes?

Some stuff like demo seems easy until you cut through a electrical line, pipe or cut a structural member of the building.Get a good contractor that will show you how to do things and learn as much about the trades as you can.

Windows and doors do not get fixed or replaced, they get boarded up to secure the property.If there is any damage to the pipes all we ask for them to do is cap the lines so it won't leak if the water is turned on.Just imagine how many HUD keys are out there.

My first guess is that the pipes froze and totally destroyed the house.

I have done so much due diligence that I am exhausted with the amount of conflicting reviews.

Newer models usually have better plumbing, but busted pipes is a common problem in manufactured housing.

By that time, these consumers have exhausted their home improvement funds.