A lot-lease manufactured home is harder to get a traditional mortgage for than a mobile home on its own land. Some lenders will finance a lot-lease mobile home,but the number is limited.
FHA loans are possible for properties that meet certain strict criteria. Historically, FHA loans have required inspections and that the buyer signs a multi-year lease with the mobile home park.
Chattel loans are another financing option. Special lenders offer chattel loans. Usually, they require inspections and their interest rates are higher than other lenders.
If you’re in a position to offer financing yourself, this will expand your pool of buyers to include those who don’t want to take out a bank loan or who are unable to because of poor credit. You would take a downpayment and then agree on repayment terms for the balance of the loan amount. Be sure to secure the services of a lawyer for this kind of arrangement so that you are protected.