How much does a Double wide manufactured home depreciate in 10 years?

Update: Me and my husband are tyring to buy a manufactured home on 10 acres of land. We were just told that there could be a problem because they will not loan on a property where the land is worth more than 40% of the property.
Update 2: This property has an acre of grapes and several out buildings so it very well could be worth more than the home. The only reason we want the place is for the land.The home is a 9 year old 1350 sqft double wide with a poured foundation, everything works, it's very nice inside, new carpet, nothing needs fixed,... show more This property has an acre of grapes and several out buildings so it very well could be worth more than the home. The only reason we want the place is for the land.The home is a 9 year old 1350 sqft double wide with a poured foundation, everything works, it's very nice inside, new carpet, nothing needs fixed, has been very well taken care of, crawlspace and central heating and air conditioning 3 bedroom and 2 bathrooms. It needs to be worth $75,000 do you think it could be?
Update 3: Seriously, you understand what I am asking. The land cannot be worth more than the home, the land can only be worth 40% of the loan. So in this instance, the structure needs to be worth 75,000 or they will not loan on this property.
Update 4: The loan is only so much, the land can be worth a whole lot but the price of the home has to be worth a certain amount. Honestly the purchase price is a deal considering we are getting 10 acres. But we cannot qualify for the loan if the home part is not worth enough. So the land could be worth 75,000 itself but if... show more The loan is only so much, the land can be worth a whole lot but the price of the home has to be worth a certain amount. Honestly the purchase price is a deal considering we are getting 10 acres. But we cannot qualify for the loan if the home part is not worth enough. So the land could be worth 75,000 itself but if our loan is lets say 100,000 and the home is only worth 50,000, that is 1/2 of the value of the loan and we would not qualify. The home has to be worth 60% of the loan.
Update 5: Well we want privacy is the main reason, second reason is for a Hobby farm. We cannot afford a house with 10 acres otherwise. We have a relator We were reassured it would go FHA, it was after we made a offer that our lender started asking this question. Utilities are cheap, it's on rural water just outside of a... show more Well we want privacy is the main reason, second reason is for a Hobby farm. We cannot afford a house with 10 acres otherwise. We have a relator We were reassured it would go FHA, it was after we made a offer that our lender started asking this question. Utilities are cheap, it's on rural water just outside of a small town, has a septic tank and the people still live in it.
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