However, as the other comments state, it can be time consuming and there is a lot of back & forth involved. 

The most cost effective methods are sure to be the most time consuming but if they produce deals, then it's WORTH IT!

It is a relatively recent phenomenon that consumers need to be protected from themselves. 

@Craig Jackson  I understand it is a tough decision and can be a time consuming decision to come to a conclusion.

Definitely fishy considering this from the CFPB website "The Bureau of Consumer Financial Protection (Bureau) is amending Regulation B, which implements the Equal Credit Opportunity Act (ECOA), and the Bureau's official interpretations of the regulation, which interpret and clarify the requirements of Regulation B.

I'd pay off the debt.I paid off $87k in consumer debt and the payments I no longer have to make help propel me to complete freedom.When I was getting out of debt, my plow-back (re-savings rate) was huge and I saved my money back much faster than anticipated.My guess is you will buckle down and re-save the $37k more quickly than you think.  

I have 12 now and that's fine, but imagine my time will become consumed once I'm in that 50 unit range.

Also to protect the consumer there are normally procedures to process the application after conditions are met (eg receipt of holding fee) so if the file was processed then they should have information on file.

That said, filling empty mobile home park pads is not for the faint of heart...it can be very time consuming and slow, dealing with multiple vendors and government permitting offices.  

These malls have anchors such as Macy's but the anchors do not pay much money per sq ft at all.More sophisticated mall owners that are more experienced are converting the spaces to restaurants and more entertainment concepts that draw consumers into the center.