@Terry Louwerse, learn what you can and resist the siren's call of the up-sell.

I checked on Energy.gov (http://energy.gov/energysaver/electric-resistance-heating) - they have some decent info, I copied it below.

Ceramic is resistant to water, more so than laminate.

I can't resist this thought experiment.

Their renter insurance is lapsed (I now know to add our company as an interest, thanks to this board), so they are resistant. 

So many other forums I've read (professional or hobby interest) are full of flame wars-- like there's an army of trolls waiting to devour the most recent half-baked idea.But on BP even when people post "I'm 21, no job, skills or money, and I want to be an overnight millionaire" the community gives them the benefit of the doubt, and encourages them to get then training & networking to accomplish that.

Sorry I'm so late, but I can't resist the chance to introduce myself to others that are interested, or involved in REInvesting that happen to also live in Massachusetts.

So my response was ok you old broad, you win, you know I can't resist your charm, 80/20 it is.

Its more impact resistant, cheaper, less time involved in install and can easily be replaced.  

Every bank will not have an appetite for MHPs so you'll have to find the ones who do, but when you find the ones that do, usually they will have a STRONG appetite to lend on them because they tend to be the most recession resistant part of their portfolio.