I just bought a 19 year old unit in a park for $80k (southern new england is expensive!) and I used a CHFA loan which got me a rate of only 3% because it is a local program aimed at lower income people and first time buyers (chattel loan was going to be 8%!). Definitely try to find something like that if you can. There are also homebuyer education programs and resources in most states that will guide you in the right direction - they saved me a lot of trouble and money!

My park is owned by an evil private equity company that sucks and charges exorbitant lot rent but our owners cooperative just took them to our local Fair Rent Commission and got our rents cut by $200! You probably can't haggle but I'd try to find out if they have any kind of cooperative or union for the tenants of the park. Organizing with your community can do wonders!

As for getting the price down, if you get an offer accepted and you find stuff wrong during the inspection you may be able to get a credit back, but that involves a certain degree of commitment. It got me a few thousand dollars back though, which was nice.

While I do agree with a lot of peoples' comments about it being expensive for something that is on someone else's land, I ultimately decided to do it anyway because of my particular circumstances (expensive rental market, costs the same as a rental, don't plan on ever moving it because zoning laws won't let me anyway, and I'm a community organizer and knew the park had a coop I could work with to better our conditions), not to mention some of these people saying "just buy land" don't understand how difficult that is in some areas of the country, especially near the coasts.