A friend of my mechanic recommended his brother and friend, and I gave them a punch list of the work. 

When you request a rehab draw, the lender will search for mechanics liens and see the second mortgage.

I have a deal in my hands of 7 mobile homes all on separate .25 acre lots and all rented out to long term tenants.

This would be similar to a Mobile Home Park, minus the mobile homes. 

Mobiles and land, fall into different categories.

For a little more money you can buy a mobile AC, which looks like a dehumidifier.

(Mobile, Al) The two banks I tried to see what the numbers would be regarding a cash-out refinance, they only do 75% of the purchase price + construction cost and not 75% of appraised value that I’m used to.I did try a DSCR refi, and after several paperwork being submitted, credit score ran, appraisal bought, only to have my numbers change before signing the docs for closing-so that was a dud.My question, who do you know that’s a reputable Union or bank that’s doing at least 75% of appraised value?

Was the house a mobile home?

Value is being added by doing a full gut to the property, new mechanicals (plumbing, electric, and HCAV), as well as new cosmetics throughout.

The auto mechanic, who's now getting divorced, wants to rent a place, had ok credit but nothing amazing and in divorce soon to be ex wife did spending spree so credit is tanked, I LOVE that tenant.