Mobile, manufactured, trailer, tin can all interchangeable for the same product.

This time around it appears to inline with fundamentals vs crazy mortgage products.

It was a product of persistence, luck, timing, negotiating, and not being afraid to ask for what I wanted. 

In terms of presentation, look at each product as if YOU are getting them in the mail.  

You can also buy a Termidor spray foam product that will piece through sheet rock and you can treat inner walls as well.  

There's also a product called floetrol that you can add to latex paint.

Yes, if you pay, you get a copy.It's a CU, not a bank, sounds like a portfolio loan and not a secondary market product, so yes, the can evaluate the collateral as they please, but they are going above and beyond prudent lending to much tougher requirements, not great marketing for loan services but they can.Market value is what we generally work with in real estate, but we do have other valuations, liquidation, salvage value, tax and estate valuations.

I am glad to be working for myself vs the big therapy companies who say they are all about patient care, yet require 90-97.5% productivity from us and expect us to provide quality patient care off the clock to achieve productivity standards. 

My backgrounds are in economics, accounting (CPA candidate), product design, & engineering — I know, quite a lot but I’m a lifelong learner.

Many products require cash reserves of 6 months of payments.Like everybody else is saying, talk to several lenders before closing so you know how the refi will look and structure it correctly on the initial purchase.