Refinance Manufactured Home if I don't own the land in CA?

[Jaime Topete]

Hello Bigger Pockets,

I purchased my first home, a manufactured home, in Santa Barbara, CA, in 2017. Given that my credit was low (fresh out of college) I was able to get preapproved using my pay stubs (engineer). Rates have dropped since, and I am looking to see if anyone knows of lenders that specialize in manufactured homes where I lease the land?

The appraisal value was $360k and I purchased it for $289k. I currently owe $213k and it is my primary residence.

I have 3 other rentals but those I have no problems with lenders, only my manufactured home is giving me problems

Thanks for reading.

Best, JT