I know that this is an old thread but thought that I would mention American Modern Insurance Group as well to insure mobile homes.We have stuck with them so far and have found their rates comparable to Foremost.

In a web based society, what is the economic justification for the middleman when the seller can contact the buyer directly?

Our budget here is the same.Once all the internal bits are done we will reside the building - and are planning to add another 1" of polyisocyanurate hardboard insulation {which will require removing and resetting the windows we just installed to adjust for the new wall thickness ... a little rework that we have not found a way to avoid {yet}]Once all the above has been completed, we will conduct our "post retrofit" energy audit to see if we hit our target of scoring 75+ out of 100 with fewer than 3 air changes per hour.As you stated, the long term goal is to keep our buildings attractive to tenants by making them healthy, efficient and modern (while retaining their historic charm) homes as energy costs rise.

Debt like the kind you mentioned in your post is just another form of modern-day slavery.

American Modern and Foremost are good options here and you can add coverage for the renovation. 

Most "Mo & Pop" folks are looking to retire and have paid off their loans, have buildings and businesses that need some modernizingSo go do them a solid by taking it off their hands at a fair price and bring their business or property up to "Modern standards"They will thank you, I will thank you, the community will thank you, and your wallet will thank you!

We have successfully renovated old 2BR/1ba homes by adding one or two more bedrooms and another bathroom, making an old 800 to 1000 sq ft home into a modern 1400 to 1800 sq ft home.  

This is a sad fact about modern societies built on lies and hopefully you start treating others as good, or better then you would treat yourself and your own family.

With modern technology, emails, scanning and telephone calls I have handled from a distance two repairs, and re-signing of the lease.You just might want to consider managing the property yourself if you possibly can.

., are created: done in an unusual and often dishonest way^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^Same Source:tradition noun tradition \trə-ˈdi-shən\ : a way of thinking, behaving, or doing something that has been used by the people in a particular group, family, society, etc., for a long time: the stories, beliefs, etc., that have been part of the culture of a group of people for a long time—used to say that someone has qualities which are like the qualities of another well-known person or group of people from the past^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^With that in mind, I'd like to hear why folks seem to think that seller financing or an installment contract, like a contract for deed, or a wrap mortgage or a Subject-To transaction or a Lease and Option To Buy comes close to being "creative" financing.