In order for a bank to finance a manufactured home on land the home must be "permanently attached" to the ground with the axles removed and resting on blocks or on a foundation with skirting around the home.

But the things you refer to are not permanent.

It's considered Permanent until you no longer live in the property.

Hi all,I have come across a few listings on the MLS where it says "modular home on permanent foundation".

You can join the flood of out-of-state money coming in to capitalize on the FoxConn development that will supposedly bring 10,000 new permanent jobs into southeastern Wisconsin.

I would also invest in a permanent foundation because any local lender will require it if you want to sell down the road. 

Then, the take out or permanent loan is a rate term refi of your all in costs instead of cashing out to recoup.  

I second what @Craig Jones said,Some further rhetorical questions to get you thinking:Are you wanting to make real estate a permanent part of your investment portfolio?

Also consider that if the tile floor cracks under anything permanent you put over it, you will hear it.One more thing regarding any floor type.  

There are some construction loan that will turn into a permanent 30 year loan, or was it for new development, I can't remember.