Hi, MHs are PERSONAL PROPERTY unless afixed and changed to REAL PROPERTY. There is NO distinction between the types of property, that is irrelevant, it is if the RESIDENCE is a single family home or not, 1 to 4 family. If a mobile home has been used and is used and is modified as an office, it's not a residence, seller finance away!
If the MH is designed and used as a residence then it is a covered transaction IF it is NON-OWNER OCCUPIED. If you live there, seller finance away! If the owner of a park owns fifty homes, obviosuly he does not live in all fifty, where it is located is irrelevant and a non-owner occupied residence.
Read the Act, it's pretty clear in the description of any transaction that takes a security interest in a residential non-owner occupied property. Even lots, without homes on them, that are intended to be used for residential homes are included!