The location of the lender doesn't necessarily impact your chances of getting a mortgage or the efficiency of the process however, local lenders have a better understanding of the local real estate market and regulations as they are more familiar with appraisers and other closing professionals in the area which can expedite the process and you will get a more personal touch and easier communication.

And yes I do have a commercial and a personal umbrella. 

Your closing costs look reasonable to me based on my personal experience (I'm not an expert though). 

Investing is very personal as it really depends on your skills, resources and challenges you want to take on.

@Andy Ciordia.....its just as easy as "Hey do you offer any discounts since I have multiple properties that need work"As a person who does work in the Home Services Industry, it costs the vendor the same amount of time (most likely money too) do the work whether its 1 or 2 properties.

Hi Olu, I haven't used it personally, but it looks like potentially a good option.

From our experience (PA) and that of our colleagues around the country- the general consensus for a modular to be considered "real estate" and not personal property it must :-Be a double wide home minimum-Be permanently affixed to a foundation.

I sent you a personal message, @Blake King.

Others say it could be converted to personal use or considered a “not for profit rental” and I should not submit a Schedule E. 

Personally, I recommend Cape Coral.