Inside Business from Australia reports that there is a shift from modular home building in rural areas to inner urban, now accounting for 40-50 percent of the new modular construction, but lending institutions are skeptical about financing.  Jan Gyrn, managing director for Modscape, says they have experienced 300 percent growth in production capacity in one year.  Modscape finances the construction of the home during the twelve weeks it is being built.  Upon completion of the home being sited, the homeowner then seeks traditional financing that also pays off the private equity used by Modscape to build the home.  Gyrn says in the next three to five years, as the demand grows for modular housing, she feels lending institutions will adapt a financial instrument specifically for modular housing.