Chattel lenders, other than captive finance companies, normally do not finance borrowers with credit scores below 650. Banks and Credit Unions usually do not go below 680 because their regulators will raise hell with them for doing so. The only exception to this I am aware of is when a formalized joint venture relationship exists with a retailer or community owner.
21st Mortgage rarely goes below 640, but there are exceptions to that rule.
If you only have three loans to deal with, it would not be econonically sensible to try to set up a captive finance company because of the costs involved in doing so. Captive finance companies work well for people doing more than 30 loans a year, where the average amount to finance is above $25,000. (This can be a mix of more loans and lower finance amounts, or larger finance amounts and less loans.)
There are a couple of other solutions that might work for you, depending on what state the homes are in.
Regarding Bruce’s suggestion: Any private lender you sell to will need a MLO on payroll, a license to lend on manufactured homes in the state where the homes are, and a full compliance management system in place. Anything less would not be legal.
Lease with Option to purchase is legal in some states and not in others.
Getting capitol to make loans is not terribly difficult once you set up to do it correctly and know how to approach the “right” kind of investor. The work on the other hand is going to be yours.