A conventional loan is typically the lowest interest rate but requires 20 or 25% down payment plus any fees they charge. 

Your local manufactured housing association as well as the local government entity in charge of titling mobile homes are both good resources to start.

We are considering one that’s charging $0.50 a unit but problem is the functionality seems limited.

Do your activities rise to the level of being a broker such that you need to get a license or else risk "brokering without a license" charges?

At this stage of your life/career, your best bet is to maximize your savings into liquid assets (ETFs should be you go to option - Vanguard, Fidelity or Blackrock).

Just make sure you notify the tenants they will be responsible for the vendor charge if no repairs are needed. 

If they have money sitting in the bank it won't be earning anywhere near close to that, and betting on you as opposed to throwing that money in the stock market would likely prove to be less risky.

I made a bet and predicted SFR median at 294k, and 17.6% year over year.

Your best bet is going to be getting yourself out there and making cold calls.

It also automatically charges my tenants $100 when payments are late and then $10 everyday after that until rent is paid in full (I set it up that way).