After a lot of searching and reading state laws. It is considered real property, which according to WI , a manufactured home title is not needed when:
101.9203(4) stats. The owner of a manufactured home that is situated in this state or intended to be situated in this state is not required to make application for a certificate of title under s. 101.9209 if the owner of the manufactured home intends, upon acquiring the manufactured home, to make the manufactured home a fixture to land in which the owner of the manufactured home has an ownership or leasehold interest subject to ch. 706.
Thank you both for pushing me to get to the bottom of this. Not so easy when you're new and the lender is seasoned.
Now I am thinking it is considered a purchase for investment property.