I talked to a lender and he said that I can use the 203k loan to obtain land and put a manufactured home on there (and put permanent foundation on there).

FHA and the USDA loan have permanent mortgage insurance which is an added cost that does nothing for you, whereas conventional removes the mortgage insurance once you have 20% equity in the property so if you can do conventional that is generally preferred but if you can make the numbers work FHA can be a good option too. 

@Reno Law That depends, do you permanently live and work in Canada or the US.

@shamar seaforthThe VA loan was designed for permanent residents to stay in that home for at least 2 years.

@Cameron Belknap FHA loan rules in HUD 4000.1 mention not counting the basement as part of the Gross Living Area; however, part of the FHA requirements found in HUD 4000.1 includes a section on “converted spaces” which states:“The Appraiser must treat room additions and garage conversions as part of the GLA of the dwelling, provided that the addition or conversion space…is accessible from the interior of the main dwelling in a functional manner; has a permanent and sufficient heat source… and was built in keeping with the design, appeal, and quality of construction of the main dwelling.”Furthermore,“The Appraiser must analyze and report differences in functional utility when selecting comparable properties of similar total GLA that do not include converted living space.

Yes there is the SCRA but also understand that many states also enact additional legislation for active duty military families regarding relief during deployment and PCS (permanent change of station) .

Also happy to hear the @David Greene will be a permanent voice on the podcast and I can continue to look forward to his savvy metaphors. 

If held long enough (around 10 years) you can permanently exclude gain from stock.

I am not sure if those are permanent roots, if you married or have kids, but all of those factors should come into consideration if you are thinking about buying a home for yourself. 

So, if you are the one just over the threshold, you have a permanent vacant unit.