You might consider approaching larger banks for a HELOC on an investment property, as most smaller banks and credit unions typically lend only on primary residences.

I am a military contractor and spend a lot of time overseas.

So usually no complaints from a bank on that aspect unless maybe you're at a small Savings and Loan or Credit Union.   2.

.- thanks  1)  you likely wont be able to use the financing contingency  as it sounds like the loan is available at 80% ltv ...check with your realtor  or a real estate attorney  2)  rates are coming down so check the terms from the lender that can offer  80% or 75%  ltv 3) contact  the smaller to mid size banks and credit unions that are close to the subject property for options   4) if you have the means to leverage the 10% difference via HELOC / retirement account loan or  some other tool- consider it - good luck

-so what you could try for financing  on anything less conventional- package the land lease and the factory built tiny home, and approach your local credit union until you find a combination that works.Anyway you should also read up on co housing, co-ops, (yes condos) and other clustered developments as they apply to your county codes.

There is also a military base. 

I know of people going with Credit Unions getting significantly lower rates than the rest of the market, but then I know of plenty of lenders claiming that you can’t get that at all.

Trans Union, Exquifax and Experian.

.- I go to military training on the 7th.I have a good lock on my interest rate and afraid of doing the mortgage application over again due to a slight decrease in my current job pay but will be going up again in a few months and I'll also be house hacking once I own and solely live in the house.

I would highly suggest a credit union or regional bank.