There's a ton of red tape, the contractor has to be willing to do a 203(k), they have to be approved, you can't do any of the work yourself. 

May not be applicable to your states, but worth a look. 

And, if you don't want a smoker or a pet, how do you spot a applicant that's lying about being a smoker or has a pet?

Application, appraisal, to funding can all be done from your couch.  

The application was denied because the employer did not report hours worked for my father.

If you decide to work with the daughter, keep in mind she'll probably have to pass the park's application process if the mobile home is located in a mobile home community.

This avoids some red tape and the need to refi to get out from under the PMI, which also saves a second set of closing costs.

There are a lot of software applications available to Landlords, usually for free.

@Andrew BrewerWould this law be only applicable to landlords who own more than 4 rental properties?

They are typically more competitive with rates, easier to underwrite, less red tape, etc.Banks like Citizens and Bank of America will execute mortgages for you, but they need their overhead from you so they can turn around and sell it to someone else.