FHA and conventional may have different guidelines for a % of square foot, but I would guide you away from a larger bank lender and more to a real estate lender. 

The main pro for building would be the ability to control where I live while living in the house, whereas most multifamily homes are within city limits and not my preferred choice of dwelling. 

2 - Right now, with you that profit buried in this property, if you sold, could that same profit now used as a down payment, buy you a larger property value? 

I have since been keeping in contact without pushing her and making her feel pressured.I spoke with the seller again today to try to get the ball rolling and she mentioned her daughter is a realtorand she had her ask a friend that deals in larger MHP whom said the property is worth over $300,000 but stated that because of the size and lack of comps its hard to give an exact amount.I asked her if $300,000 was what she was looking to get for the property and she said she was thinking more like $250,000 as she owns it out right and would rather see someone else benefit from it like her and her husband did.A similar ranch home not even a 15 min walk is under contract for $280,000 currently.

I'm wondering if since you are not technically calling someone when you use an RVM if people are loopholing there way into having a larger viable call list and just including DNC numbers. 

So far, I haven't received any negative feedback about these choices.

You have two choices:  You can appeal them yourself or hire a law firm. 

Not challenging your choice, just curious about your thought process.

I use Choice Home Warranty.

Not sure getting locked into 1-3 years is the best choice.