We have 70k which was enough for intial loan it was 5% down but lm not so sure with the land only because deposit is that.Intial loan we made no paymts until it was done, this one we have pymts right away and will need to now save for septic, water hookup.We thought we could make apt after utilities are in, in the garage for now and at a later time get a manufactured home.We both arent sure what to do. 

I am a recent college graduate, working in the manufacturing industry as an EHS Specialist.

To do so, just follow the instructions below:1.) 

Also, the IRS for some reason doesn't provide instructions on this matter.Just to cover some basis... 

You also did not give them any firm instructions about how to handle this.

https://incometax.utah.gov/instructions/married-couplesWe would spend roughly half the year in each location, my husband will spend more time in NV running his business and I will spend more time in UT setting up the basement rental but the majority of our time will hopefully be together.

They never tell you to keep it compounding, they just don't outright say that or instruct that.

While it still wasn't perfect, using a diverse array of spreadsheets and instruction gave me some confidence as to knowing if my analysis was in the ballpark.

I've seen a lot of people ask questions regarding loans on manufactured homes, but I didn't quite find what I was looking for when searching.

Use pricing software and make sure to take in some instruction on how to use it, so you can maximize it abilities.