The landlord in retail property struck me, and I don’t know how residential works there, but I recall a young couple I once knew wanting to buy a mobile home on about a quarter acre of property, several decades ago. The bank put a lower value on the property because it was a ten year old double wide manufactured home but the couple “needed” (I am not speaking for or against the veracity of need) an additional sum to move into their next dwelling, so the buyers of the first property got a mortgage for the value the bank would lend, then signed an unofficial contact for the balance the sellers needed. This always stuck with me, because if the sold home would have burned, flooded or otherwise become unlivable, that couple would be stuck with whatever the insurance didn’t pay on two contracts. This was probably 40 years so the insurance companies weren’t as greedy, then.