My biggest concern, however, is how that payment impacts my DTI and ability to get lending going forward. 

So in theory, a short term lender (Hard Money for example) should lend you 75% of the ARV on the property. 

I have one bank that I've worked with for years that will basically lend me what ever I need on a 15 year loan 20%down payment. 

Texas has many, many community banks.You could also call a couple of the mobile home manufacturers, as if you were trying to buy a new unit, and ask them if they know what lenders in your state or region are comfortable lending on mobile homes?

I have a couple possible cosigners lined up, but haven’t found the right lender who will lend to me.

Conventional lending will need a 6 month seasoning from when you purchased to refi to allow you a cash out refi.

We’ve had some local institutional clients pause on most of their storage projects because of the impact of these cost.

I've been in the financial industry for over 9 years ranging from retail and community banking to commercial real estate and small business lending through the SBA.

The complex we’re looking at is about a couple mil and would like to figure out the best lending options on it.

Not every lender will lend on loans under $100,000 if you’re under that threshold.