____Need Hard Money for Land or land with Manufactured home purchase in Florida

pp is 134,000
appraised at 190,000

Structure is 96 Manufactured home (double wide) sitting on 4 acres.

client has 3% to put toward the transaction and has a credit score of 676.
can do full doc and this is an owner occupied home

why not go FHA?

I do hard money. Why do you ask for hard money?
A regular lender could possible do this loan.
Is on fixed foundation . Is title -real property and not vehicle title. Is it on lease or rent land or on own land.Has septic tank etc… Is in rural area?