Real property is "dirt;" a loan on unimproved real estate is definitely subject to 1098 reporting. Even an interest in real property, ranging from mineral rights to air space, is real property and, if used as collateral for a loan, generates 1098 reporting. (Mobile homes above a certain size are also considered real property, regardless of whether they are affixed or even sit on real estate belonging to a third party.)
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In this world you must be oh so smart or oh so pleasant. Well, for years I was smart. I recommend pleasant.