As long as landlords continue to operate out of fear we will never have answers.Document every thing, all conversations, and, as Greg suggests, be prepared for them to play the "emotion" card.

(https://www.ridgelendinggroup.com/)Their CEO was on a podcast recently saying the DTI has gone up a bit recently, I think she said between 45-50%, obviously with a few variables at play!

Commercials loan terms are highly variable and your relationship with the lender will often come into play.

Or should we play it safe and wait until we can refi?

You got to pay the price to play brother!

(sorry im newbie)If for some reason the hard money had to foreclose on it, would the 20K note come into play?

You could also play with your pricing a bit.

If the plan is to have a covered land play then the high asking price is nbd, but as a MHP, this seem over valued.

@David ThompsonI agree that people like you play an important role and add value.However suppose somebody has raised capital for several deals for well-known syndicator/operators.

It was a great value add play.