If you want to do a straight purchase into an LLC, you will need to go with a commercial product... there are programs out there that will do 80% LTV and decent rates. 

@AJ SmithFHA is a govt backed program intended to promote home ownership for lower income and people w/ bad credit.Pros: slightly lower down payment, can qualify with lower credit score, generally better ratesCons: PMI forever, longer closing (45 days usually), may require small things like a broken window to be fixed for the bank to move forward with the loanConventionalPros: PMI only until LTV reaches roughly 80% (I think it's 78%?)

@Michael BaradellHighly recommend finding Mobile Home Park University on the web.

There are many great programs out there.

There has been a ton written about it that you can find on the web and probably on BP.

Oh and to keep me from getting myself in trouble by saying the wrong thing in the mean time as I plow through content and create web and marketing material.

It was good learning experience and hope this helps anyone who is thinking about doing a HELOC or other home equity programs.

I recently discovered the 80-10-10 What other programs are there?

Is there ways to help reduce those costs other than upgrading to energy efficient appliances in the future. i did see a mention of the Clean Reads program for water in the Cleveland area for more accurate measurements if anyone can help explain that a little more.

What did the town/county web site say they were?