While I do think there is plenty of blame to go around, and there are many homeowners, investors, or speculators that jumped into the bubble with eyes wide open, I mostly put the blame on the securitization process and on government policies that encouraged home ownership.Our educational system provides only the most rudimentary financial education.

I don't leave my lights and a/c on or back door wide open after I show my own house.

For example, if the required front setback is 25 feet, and the required width of the lot is 50 feet, but the existing home has a setback of 23 feet and the lot is 40 feet wide, these are "existing conditions" that wouldn't be an issue for the city.

Ours is mapped out on the city wide area plan.

I am looking for recommendations to refinance a single wide mobile home that is located in a park. 

And since SFH's aren't valued widely by rent roll you dont have much to worry about for valuation.

maybe contact meridian title there they are state wide and ask them who the bigger firms are that specialize in this work.did you buy a NPN ??

The Huntsville market can vary widely depending on the street and there are some sellers who do not even have their own financials.  

Lots of different ways to look at the loans and structure is incredibly important.There are a variety of commercial lenders and just as wide a variety of loan programs. 

When comparing hard money lenders you're going to see a wide range of offers.