I've seen many people (myself included) get financing for the land and any improvements (e.g. detached garage) but pay cash for the mobile home.Talk to a couple lenders with the specifics and they'll be able to tell you.

Attached units are a little cheaper than detached units (as well as save on insurance).  

Any detached structure, or any portions of a structure that cannot be accessed internally from within the structure, which does not meet the facilities requirements for a dwelling unit as described herein may not be utilized for living or sleeping purposes, including guest visits, at any time.

It is a detached garage that I converted into a guest house.

It's normal to feel discouraged but success without difficulty is unrealistic and any successful person has had to overcome obstacles.

I think if you can find situations where you can either modify the existing structure's sqft or add an additional detached living space on the lot that you're going to add a tremendous amount of value to the property. 

Almost in every state anyone can design a duplex or single family detached home of less than 2 stories over a basement.

I am in Hawaii so there is an obstacle.

My partner and I are in escrow for a property that's part of the coastal area of Los Angeles and we are wondering about our best strategy for the detached garage.

While this particular deal might be below our min loan size on a commercial deal(chances are you’ve probably discovered that as an obstacle), RLG is unique in this space as somewhat of a unicorn.