[poulsbohemian]

Yes, throwaway understood my meaning... and you are right too that there are circumstances where people own a home but not the land underneath. Apart from the example you gave, I'm also vaguely aware of cases where tribes own reservation land where homes have been built by non-tribe members who technically have a lease to the land.

And actually you bring up another wrinkle, which is if you don't own the land underneath, there are plenty of lenders who also won't lend to you to buy a manufactured home, because they consider it to be personal property rather than a permanent dwelling (which they could more easily foreclose and sell)