Trailer (mobile home) financing options?

Seems like y'all are as good a place as any to ask. Thanks in advance.

Info: Air Force captain, '06 LSU grad, make ~$90k/yr, got ~$45k in liquid funds. No kids, single. Hate paying rent, more into making money than spending it on granite countertops and high ceilings that will increase my AC bill. Own one house in Bossier outright and paying on 2 more that are rented out. FICO ~760

Found a trailer in a neighborhood just south of Nellis AFB in Vegas, where I'm stationed. Not a park, so no lot fees (good). Not converted to real property, so I can't get a mortgage loan (not good). This particular property is ideal because it's a 2br/1ba with a separate 1br/1ba structure that's currently renting for $550/mo. It's less than 10 mins from work. It's a FSBO and the 80yr old biker dude wants $65k for it, but says he's in no hurry to sell because of the rental income.

Issue at hand: How do I make up the difference between my $45k and whatever I offer + closing costs (~$58k)? What am I not considering?

I'm preapproved at LendingClub for up to $35k, but their cut would be $1750 and it's at 13% for 3 years. Not ideal. I can pay the difference within a year, really. As far as my internet research has showed, the 2 main trailer finance outfits are basically predatory scams. He may be able to carry the difference, but would probably not accept the lower offer if so.

Any ideas?