If you are thinking that by spending more money you will get better reliability, you won't. MHs are not a Toyota (high reliability) vs Chevy (low reliability) type of thing. No matter what you buy there will always be things that need fixing, adjusting, maintaining, etc.
As for financing, forget it, purchase what you can afford outright, whether it be $1,000,000 or in our case $3,000. The money you spend in interest plus the high depreciation of new MHs will put you upside down the minute you sign the papers.
Look for the floor plan that you are happy with and go with that, the rest all balances out in the wash. If you are not happy with the floor plan, storage, etc. all the other things are just going to add to your dislike and you will be trading it in in a year or two for something else. And if you are financing, you will owe more than the MH is worth and be stuck with something you don't like or paying a lot out of pocket to make up for the difference.
