Mortgage for a manufactured house adjacent to a main house

[Geoffrey Gearheart]

Dear all,

I have trouble selling a San Diego house because of the following:

Buyers can easily get a mortgage for the main house but not for the smaller manufactured house (3 years old) that sits behind it, on the same piece of (private) land. All specialized lenders (for manufactured houses) say that they offer mortgages if the house sits in a park, not on private land. The manuf. house has been permitted as a “medical unit”.

Any insight?

Thanks!

Geoff