The terms would be 5.75 adjustable, 20% down, amortized over 20 years.

However, I’m looking for making some adjustments to better position the debts of each asset within the portfolio.  

My wife is a W2 wage earner and I am 1.5 years self employed (yeah I know) though our adjusted gross income is decent, credit score is good, DTI is good I'm still concerned I'm missing something.

A few ideas, all of which require research and feasibility assessment as they depend on local regulations and/or affordability / demand in your market:1) add additional lots by developing unutilized land2) add storage space / shed for residents to rent for a monthly fee3) offer a cable or bundled cable / phone / technology package to residents; buy services at wholesale rates and sell to residents at discounted retail rates4) adjust rents based on size / location / views/ambience of lots in the park5) bill back water/sewer/trash, where applicable 6) offer billboard/advertising space if your park has decent traffic visibility7) lease space on property for cell tower operator 8) cut grass on residents’ lots for a fee9) paint/wash/skirt homes of residents for a fee10) fill vacant lots / vacant land with area for long-term parking for boat/RV/equipment 

We can adjust our time as we have people in different time zones already.https://www.facebook.com/groups/2404062819817543/?

Fixed rate resi debt at 4.5% doesn't qualify for me.  6%+, commercial, adjustable, has a balloon? 

I say this because you might have to adjust your rent to accommodate.  

So I adjusted my practice to buy ¨almost rent ready¨ with some significant issue (preferably roof, concrete, foundation) for cash at the discount, fix an issue, rent for a few years then rehab and sell ... 

I thought it only adjusted when a property is bought or sold.

For 1-4 units you could get a 30 year term (fixed or adjustable) up to 80% of value of property.