Non QM loan for manufactured home?

[Nick Beveridge]

I'm trying to BRRRR a manufactured home on real property and having a tough time finding a Non QM lender that will do a cash out refi on a manufactured home.

Anyone got the perfect lender for me? It's also in Idaho. I'd appreciate any referrals!

[Robin Simon]

Quote from @Nick Beveridge:

Hello, it appraised at $395,000 recently for an FHA buyer. Engineering report done and past.

I'm looking for a Non qm product that will do a cash out on an manufactured home. It was tied to a foundation and converted to real property a long time ago. 

Generally not going to be allowed by DSCR lenders - primarily because manufactured homes are typically not actually considered "real estate" since the home can be picked up and moved (and the lender won't have foreclosure recourse in this occasion). Its why most commercial real estate loans secured by manufactured housing is actually secured by the PADS not the buildings