It depends on how "poor" your credit is? A manufactured, or mobile home, that has not had it's tongue/wheels removed, and that is not on a permanent foundation on the land that you own, is not real estate, it is personal property.
Let me know what your combined credit scores are and I will let you know my opinion, or have you call someone that can answer the question.
Glenda Marks, Owner/Broker
Marks Real Estate & Auction Co.