I ask because in NJ it is typically not preferred. 

It's not theoretically all that difficult to do yourself with a 60-buck trim coil from HD and some homemade shaping aids made out of clamps and dimensional lumber, but it's not a typical DIY thing.

I can typically get those smaller items fixed for the price of the service call or even lower and its not worth the hassle.If you are hoping to get the HVAC replaced or other appliances by them, it might work out unless it takes few more years and by then, you already spend that money on the home warranty and service call fees and they might not even cover the whole thing once it comes to replacing.They are here to make money and they will go out of their way to replace parts before replacing the entire item.

I mean a covered porch is a feature in and of itself and is part of what would make  a house attractive to a buyer and in most cases is part of your curve appeal. 

Parks are typically overpriced there and it’s not worth my time to look there.  

However, if your property is a SFR, it is probably a little on the high-side.There is typically an add-on to the rate adjustments for multi-family properties.Hope this helps,

if you need to supplement the costs further you can consider renting rooms out in the unit that you live in but this typically is only an option for those who need the financial assistance (housemates are often not easy).You learn Property Management, if you like being a landlord, doing repairs and hiring contractors. 

Typically, if it meets the 1% rule, then it warrants a deeper look.

It's typically the sum of the city and county MIL rates. 

I typically only like buying mobile homes that are attached to real property that you own but if it cuts your cost down and gets you into something of your own it could be a good pathway.