There is no city-wide or likely even zip code wide “rent to price ratio” it doesn’t exist.

Perfect 'in the box' investment that is appealing to a wide swath of renters (3/2 with garage and fenced yard + proximity to schools is great for families and couples!)

Looking for creative lending options for a single wide in state of North Carolina.

One, there aren't many comparable units in that area so you will have to do the research yourself which is more reliable in my opinion.Next is the widely varying nightly rates, house size and occupancy.

Will we see this trend nation-wide?

The BRRRR rates just took a hike industry wide. 

Non QM and DSCR lenders have more flexibility and a wide array of lending products that do not fall into the same bucket as the government restricted products that you are talking about.Secondly, there are some strategies which enable long term financing sooner...  

Is there a reason the two girls do not work outside the home.You are right next to Toledo, Sonic Drive in hires people to roller skate food to their cars, and they get good tips.City jobs are stable, working in the library, or clerical in the different departments, or a 911 dispatcher, etc...Why not buy a double wide outside the city line for cheap (if you can get one cheap) and move your family out there.Not a trailer park, just on a lot somewhere.Because as you get older you might like having three helpers around to go grocery shopping, watch TV with, cut the grass and rake the yard, drive you to the doctors office when you feel ill--stuff like that.911 Job (no heavy lifting)--> https://www.youtube.com/watch?

Feels like system wide indoctrination to me.  

The lot is probably 150 yards wide by close to 300 yards deep.