First is whether you are purchasing this as a Secondary Home or as an investment property.

In my experience, once the men know that I am the one who writes the checks, their attitude improves remarkably.

Do they require anything special that a normal home wouldn't need?

It was something like a 1 page JV agreement that he could have written on a napkin, and definitely not reviewed by an attorney.Maybe it's improved since then.

I was able to save a good amount of money and purchase a 3 bedroom 2 bath mobile home on an acre of land all cash, that property generates $875 a month, no mortgage or HOA fees.

There is also a True Portfolio program where you can buy a Second Home with only 10% down and can have a back end DTI of up to 49%.Best to have a conversation and go over all options than to take one lenders turn down.

I recently bought 3 acres of land with the intention of creating a mobile home park.

I'm looking at finance options to purchase an entitled lot in Truckee, CA and build a SF modular home on it as an investment.

I agree w/ @Nicholas L.Don't try to hit a home run on your first swing.

I havnt found them to be any more ethical, or unethical than any other large home builder.