Hi Jacob, There are DSCR and Hard Money Lenders that will finance a manufactured home as long as it is not in a rural area, and there is no land lease.

Any tips to get a better rate or deal from lender ? 

I am on my first BRRRR and the issue is lenders keep only wanting to lend on 80% of the purchase price and not the actual appraised value, which would keep my money tied up on the rehab portion as well as 20% of the purchase price.

First, you can't group all hard money lenders together just as you cant group all banks together.  

Quote from @Taylor Dasch: Quote from @Michael Nelson: Quote from @Taylor Dasch: You either have to leave money in the deal, find a lender who will do a higher LTV, or flip and cash out.

Using local hard money lenders usually works best.

Can anyone share their experience as a hard money lender in OH? 

Hiring the attorney to draft up the documents is the most expensive part, depending on the lenderCons:- Finding private lenders who aren't charging 10% or more is hard to do (Not impossible, just hard)Private lenders is my favorite, because we have found private investors who know us, like us, and trust us, so we are able to work with them and get rates just as good as banks provide, without much in closing costs, and flexibility to set up the loan how we want to set it up instead of Fannie and Freddie regulations.

Xeriscaping (low-water landscaping) is increasingly mandated in many HOAs, and buyers are scrutinizing water-hungry features like traditional lawns.Rising Construction CostsMaterial costs have fluctuated significantly, and labor remains tight in the Phoenix construction market.

Quote from @Timothy Fortin: Hey Bigger Pockets - I'm looking for some advice on how to provide comps to a hard money lender for 2 townhomes I'm building in New Hanover County, NC.