Yeah I guess I mis-labeled Anderson as a suburb.  

To further what Jay Hinrichs mentioned on not being present at closing, ask your lender and their suggested closing attorney if/how they do mail away closings - the one I just worked with a client (buyer from CA) on the closing attorney emailed the paperwork to the buyer with an overnight shipping label. 

If you purchased like this then you can cash out immediately up to 70% of market value up "till," your acquisition cost which consists of purchase price and closing labeled on the bottom right of your final HUD1.

While I'm 20yrs your senior, I'm not certain I qualify for the more mature label - definitely not if you were to ask my wife.In reading your post above, it would appear the significant short-term appreciation your property has experienced is a result of a frothy real estate market, rather than having acquired the property at a steep discount and/or forcing appreciation through improvement of the property. 

That has a few vital ingredients: knowledge, someone you REALLY trust and the loan documents. 

Once a property transfers to a new owner, the cap’s effect is lifted, and property taxes are assessed on the new owner at the just, market, or whatever label the state gives it, value.

We don't have "trust deeds here", first Mtg.s are not labeled as such,and second mtg.s rarely are titled as seconds.

I also picked a few sweet deals when they used to advertise their highly distressed properties with a red box around them, and the label "ALL BIDS WILL BE CONSIDERED ON THIS PROPERTY".

Your homeowner's insurance (required if you have a mortgage, good idea even if you're free and clear) has GENERAL LIABILITY as one of it's key ingredients.

Your biggest qualifiers for going with a conventional loan will be:The dwelling unit is built on a permanent chassis and attached to a permanent foundation systemThe manufactured home and the land on which it is situated must be title as real propertyThe home should have a HUD Data Plate and the HUD Certification Label (tag)Any idea on those?