But any company that properly creates and maintains a liquidity sleeve like I described above, is going to be able to honor its commitments. 

Hello Everyone, I am seeking a lender to help me refinance(conventional loan) my manufactured home.

Also make sure they have proper license and insurance and name you as additional insured for liability.

A lot of people shrug off Modular and Manufactured but they are both cash cows and help avoid longer construction times, higher material costs and less permits. 

Let me guess - you never verified if they are a licensed PMC or if they have proper insurance.Do they even have a website with an Owner's & Tenant's portal?

Without proper permits, there’s a chance the city may request you to revert any non-compliant additions (like the extra bathroom) to align with code standards.When it comes to refinancing, banks tend to look closely at the property’s legal compliance.

I do think they were trying to have a legit business, but I think it was out of hand and they weren't able to manage it properly.

Are they good with tenant and vendor followup to ensure job has been done and properly?

The other thing I often see is that over time, different homeowners/contractors have decided to DYI adjustments to their home aka took out walls, didn't shore things up properly, put in new doors, etc.My point is that what you are seeing is not abnormal for older homes. 

@Tyler Condon, it isn't proper but people do make side deals where the parties exchange money separate of the closing but at the closing table.