65% to 75% LTV. LTV very much a function of CAP rate and DCR. In BC likely far below 70%, closer to 50 or 60% LTV due to very low CAP rates and pricing of many MHPs based on development land values, rather than CAP rates.
Interest rates are mid to high 3% range.
20-25 year amortization. 20 years fairly common but 25 year also not unheard of.
We're buying three parks right now in Central AB, at around $40,000/pad, one with a floating rate at prime plus 1, one year open; another one with a three year rate at 3.5% and the third with a 5 year rate at 3.85%. Great investment opportunity, $100,000 minimum, accredited investors only, btw. Now that BC decided to go into have-not province status again with them socialists, AB all of a sudden looks even better !!
Yes start with credit unions as most major banks to not go there. Or use a mortgage broker.