I have a small local bank that I have been using for 4 years.

We are back on good terms but I do think they could be problematic down the road again too many red flags the complaining about small simple pool upkeep task is enough. 

The house is in my neighborhood and I have sold several similar properties in the same small area.

Funny how these small town tenants think you will never see them again or something when they do things like this. 

It is a lot of risk for the potential of only a small amount of return.

Ok, this is where you find out that you are a small potatoes investor in a big big machine.

Has a small unrenovated 1 bedroom in upstairs rear, rented for $900/month (tenant pays own gas and electric), wonderful stable tenant.)   

However you should never base a buying decision on something as small as a 1 time 1 or 2  month excess of vacancy.

The approach that I took to investing in MHPs was to start small, get my feet wet, and not put too much capital at risk should the asset turn into a dud.

As a company, I get the idea that they are customer service 1st, 2nd, 3rd and then Real Esate 4th.I wish they did some small multifamily, it would be easier to scale the portfolio 4 doors per deal and per loan than 1 at a time, but their point against that (and it is hard to refute) is that they 100% know their SFR business and model and they don't deviate from what they know.