My current loan is $340k and LTV ratio is close to 78% ( 340,000/435,000).So I called my bank PNC and ofcourse they are not very friendly to answer any of my questions and everytime I ask a questions, they reply saying " we do not have the answer and  you have to send us a written request".

Near several restaurants, banking and churches.

So this bank loan is out of question now. 

Also, many of the banks in my area won't finance manufactured homes, and the banks who do offer financing will expect that the home is well maintained and is sitting on a permanent foundation and even then the rates for those loans will be higher. 

Banks will still require a human to review and sign off on values

These coaches/mentors will be more invested (they have skin in the game just like the banks will want from you when you borrow) and are a little easier to get a hold of when you need help.

Start with the bank that has your first mortgageGood luck.

I have a bank for the 1st one that I close on the 29th.

Here are how the basic deal looks: Home Depot $ 16,000.00 Credit Card $ 12,000.00 Purchase $ 57,000.00 Rehab Labor $ 22,000.00 Contractor Fee $ 5,000.00 Carry Costs $ 5,200.00 Refi Closing Costs $ 2,000.00 Total $ 119,200.00   The house got appraised at $140K so the bank lent me $105.

If there is no mortgage on the property, you could give the seller the money to install the septic as a mortgage in the 1st position to protest your money.When dealing with banks, they can complicate things so, the 203k could take some time or not even close the deal.Hope this helps