In some 55 plus neighborhoods only one spouse needs to be 55+. As to children, that is up to each age restricted communities guidelines. There are certainly a great number of pieces of land that either have a mobile home or are zoned for mobile homes. You can actually go to a number of lenders their opinion and fees according to your needs.... more
With all this stated lenders probably won't allow a mortgage till all is behind you for 2 years.
So why pay higher interest rates to a company OR person(s) lease an apartment, save money, wait out the time till you can qualify for a mortgage.
Lynn911 Dallas Realtor & Consultant, Loan Officer, Credit Repair Advisor
The Michael Group - Dallas Business Journal Top Ranked Realtors