How wide of a spread do you typically use between bank/owner financed? 

The laws on wholesaling vary widely from state-to-state. 

(ignoring shipping which I’m sure varies widely)• are there effective sources to seek units for sale (aside from Craigslist)?

If you complete your profile and add a good photo of yourself it will be easier to network.It will help you to know there are many BP forums available on a wide variety of subjects.

Rates and terms vary widely.

Bartenders will see a wide range of people and not are all that pleasant.... 

I also agree with Tim in that this isn't likely a scenario where a lender will let you assume the loan.Zillow estimates vary widely, they may be close in some areas however they are way off in others.Spend some time learning the areas you want to invest in. 

Where that social security number has lived for the past 20 years, Credit score, Nation wide criminal history search, Nation wide eviction search and many other items.We use a tenant screening service called Rent Perfect (formerly Investigative Screening and Consulting or ISC).

Does anyone know if the THDA loan program can be used by retail buyers in TN for a double-wide on a permanent foundation? 

They had the front door wide open as they removed the old air handler and brought in the new.