Would you buy a mobile home "hybrid"

Question

Would you buy a mobile home on a permanent foundation that has been modified (added onto) to the point that it looks like a normal house on the outside, but has a lower ceiling in the "mobile" section of the house? This is a rural property, and while not uncommon, I wouldn't exactly call it common, either. Its a 2 bedroom, one bath, in the city (rural city) limits on a fairly secluded cul-de-sac with only 4 homes.

Ultimately, the question is, do you steer clear of mobile home "hybrids"?

Jeffrey H. · Answer

I have one like this and if owner financing is your goal then you're fine.  The mobile home part of it will have the same limitation as always associated with the home.

Beyond typical construction quality - one thing to keep an eye out for is HVAC.  Depending how the mobile home is opened up for the addition the cooling and heating can be wonky.  I ended up putting a new 3.5 ton heat pump in, and added flexible ducting underneath to add 3 floor registers to the addition.  The other option is window units in the addition, which I don't prefer.

Oh and I'm having to spend a few hundred bucks to add "attic access."  This is optional.

Jack Forester · Answer

The price is lower, as it requires a conventional loan or cash.  Banks appear to be steering clear, so maybe I should as well... Or maybe this is an opportunity.

Justin Fox · Answer

Depends if you'd get 2/1 SFH rent (high'ish) and if the city/county taxes it as a mobile home (low).  Is it in good condition?  Jerry-rigged?  Nice area?  Cheap?