that isn’t subject to higher down payment requirements or higher interest.

My question is how can someone be so far off on value and continue to keep their job? 

As when people lose their jobs, the vacations they take is the first choice to cut back on. 

That does not require employment or job seasoning instead it uses the rents to qualify and you can take out up to 80% LTV cash.Use the cash to put down on the next 1-2 or more properties as long as the other properties are debt servicing themselves it opens up more opportuities to buy more future assets and increase your passice income.  

Are there any loans out there that require less than 10% down?

As you may have found in your search, there are lenders that will lend up to 80% of the appraised value on investment properties and don't require an appraisal.Let me know if you'd like me to point you in the right direction.

Jacob,The advice you are getting from this guy who is "in lending" is very vague and is not covering all of the fine lines that manufactured home financing requires.

Quote from @Marlena Hawkins: Does anyone know what insurance (liability, E&O etc.) is required for Property Management companies in DC and Maryland? 

Quote from @David Sotomayor: Im getting into fix and flip real estate and working with a private lender who requires a higher credit score than mine to qualify.

There is a lot of discussion about what jobs will be lost and created with AI.