Will be interesting to see how 2025 plays out. 10 yr rates are still over 4 and spreads are not coming down quick enough to rescue people who bit off more than they can chew.Good luck with your MHP, we like that product a lot and have a deal in Central Valley, CA! 

(And that's coming from someone who was in product software management for 15 years. 

I agree that you need to set yourself apart from the competition and also have a product that can help win over a skeptical parent if they think the price is too much before seeing the house.

Anyone investing in a product new to them is never going to have perfect knowledge going in; extensive knowledge is accumulated over time, and, well, if you wait for perfect knowledge you’ll never invest.  

Laminate countertops can hold up pretty well and if damaged, will need to come out of the security deposit - lower cost product, so a larger percent of it gets paid for if damaged. 

I'd find a mortgage broker who understands your strategy well enough to advise on products designed to help you scale. 

If the numbers work, why take a chance on a product that has a balloon payment?

Well I believe that the incoming administration will in the first few week find ways to reduce regulation and increase domestic energy production.  

It's just a product of the modern internet age and you are right, they always have a new way of skirting the rules.

So I looked at it like 10% management fee up front that covers the assembly of the product and sales of the product to people like me.