Personally I love using wholesalers because I free up my time and I pay only for results - if it's a good deal they get paid, and I'm happy to pay a fat assignment fee.

My experience is that mobiles/manufactured homes fall into three categories, a. still on wheels treated as a vehicle and are are on rented spaces b. wheels removed, the unit is put on a foundation and skirted, on rented space c. wheels removed, the unit is put on a foundation and skirted on owned land and treated as permanent, which qualifies for a mortgage.

If the mobile is treated as permanent and has a mortgage, you may be in violation of the real estate agency laws if you are not an agent.If the mobile still has wheels and is not treated as real estate, it is most likely a vehicle, and is like selling a car.

For starters, a purchase at the original contract purchase price could have resulted in a big fat loss.

Hey Luna,I would not buy down your interest rate permanently. 

I am a US citizen and a permanent resident of Canada.

You could do a HELOC (Floating Interest), Hybrid HELOC (Fixed at EACH time of Draw but the draw rate is based on the Interest at the time of Draw), or a 2nd Mortgage (Permanently Fixed at Origination)I prefer Hybrid HELOCs as the rates are fixed at the time of draw and that stability allows you to plan for the future. 

This will take time, and you will have to rinse and repeat a few times, but it will work to permanently or at least semi-permanently solve your problem. 

The permanent financing (your fixed-rate long term mortgage) is done right away, about a week after the initial close.Additionally, there is no waiting for a higher value.

Tenant just moved out, cleaners found they used the wrong type of cleaning product on the stainless steel appliances, causing a permanent discoloration.