With the info we have, I sincerely doubt that the lady who hired “Pancake” had any sound advice and knowledge as stated in your excellent post. Unfortunately, she paid the price of ignorance. [But I still feel badly for her.]
Finally I wisely bought a new custom built to my specs Double Wide instead of building a home. 5 years into payment I went disabled. But the mortage was on a 10 years note and we managed to pay it off. A house? We would have lost it due to much higher cost. I recently sold an old 12X60 trailer and I had a heck of a time getting rid of it. It was a mid 70's model. Price I asked was $500. I almost had to end up tearing it down instead. Most persons buying them now only really want the axles not the trailer itself.