Jeremy,

You can understand my experience in "creative financing" is extensive, but not free! If you would provide me with your agent's name or allow me to represent you in a transaction, then can continue conservation.
We can communicate directly thru email; "spokanerealestateguy1@hotmail.com"

If you are a veteran you can do a VA constuction loan if you buy a new mobile but not an older one. Otherwise I have a lender that will go up 70% on a 2 or 20yr lot loan, and you can use the remaining 21k for site work. Not sure if the mobile would cause an issue I would be happy to check on Tuesday.

I would try to first make a cash offer using a Realtor. Be certain that you are including the amount necessary to close the deal. This would include title, property tax prorations closing fees and so on. If the lower cash offer doesnt go, you could find out if the owner will finance some of it.
Be certain to have a Realtor verify that the property can have manufactured homes and that there are no CC&Rs that would restrict that from happening. Without more information on the property itself that is all I can advise you at the time, please feel free to call for more details.
Lori