Your income needs to be 100x it and you need to invest 10% of your net(so less than $5mil) annually in structured product type investing incl RE, let it season for 3-5 years, re-invest the first bit of profits and by year 8-10 you should be comfortable.$500k annual income is alot for your average folk, but it's not "retire me" income at all.

I know they would be worse off refinancing at today’s rates even if they could find an alternative lender able to lend on older mobile homes.

I am a little older, a little more knowledgeable now, and I’m reading everything I can get my hands on.  

BiggerPockets is full of resources designed to help you along your journey, whether you are just getting started or a seasoned investor.

The buyer finally reaches out to say that the bank is having a hard time seasoning a couple of the homes in their portfolio. 

Rented quickly for prime in rent in slow season.

Will cover porch later during the rainy season.  

From my experience, this is a very seasonal market.

I find VT also a great place in the off season for hiking etc.  

You're going to be looking at older houses that may need a bit of work especially if you want to find buy and hold, BRRRR, flips, STR/MTR, etc. opportunities.