Water under a manufactured or mobile home comes from four places: the ground draining toward the home, a plumbing leak, a torn belly wrap letting damp air condense, or a crawl space with no vapor barrier and no ventilation.
Short answer: Start outside. If the ground slopes toward the home, or gutters dump beside the skirting, rain runs under the home and stays. Then check the plumbing crossover and the drain lines for a leak. Then look at the belly wrap — the black bottom board — for tears where damp air reaches the floor insulation. A crawl space contractor fixes the drainage, installs a ground vapor barrier, repairs the belly wrap, and adds or opens skirting vents or a dehumidifier. Mold on the floor joists is the sign it has been wet a while.
Reviewed by a manufactured home setup contractor and dealer.