Mhp bank loan

mobile home university
1

hi, i have been looking to buy a mhp in new york and my starting budget is 40k, my questions are.

  1. does bank do loan to buy a mhp?

  2. do the do the appraisal base only on the land value or current cap%?

3.do i need any certification on mhp with well water systems?

thank you for any help.