Can I get a mortgage for less than 100k?

Banks don't like taking in unknown files via attachment.Any good mortgage banker/broker should be able to get you a list.Good Luck!

Would the best option be to put title and the mortgage in both of our personal names?

Also, IRR factors in mortgage paydown and appreciation (both forced and market, and after inflation your market appreciation may very well be negative).

I have conventional built homes that I rent that have no mortgage, I could refinance these to get money for this.I could get a home equity loan.I could get a loan against these new properties but I have heard there is a higher interest rate and harder to get these loans (less people offer these loans for mobile hoames.I know there are a lot of things to consider and a lot of options.Your thoughts are appreciated., Joe

Once that deal is complete, I'd like to make the jump over to real estate investing and really focusing in on creating passive (as much as possible) residual income.I have no personal debt other than my mortgage, and I plan to work while getting started with this investing.I'm very interested in mobile home parks, self storage, and any other similar types of investments.

We bought it two years ago, and owe $130 on a 30 year mortgage at 4%.

The tenants would be paying down your mortgage. 

Some get foreclosed others don't but most have issues with making their mortgage payments.

One possible idea: I suppose if the banks sold you the note before the foreclosure sale took place, you could argue that the "holder of a mortgage in default" exception should apply to you as well.