Posts Tagged ‘affordable housing’

Affordable Housing, the Visible, Yet Mysterious Struggle for an Obvious Solution, Case Examples

November 10th, 2018 No comments



It was then best of times,

it was the worst of times…” –

 Charles Dickens, A Tale of Two Cities.



Dickens was writing about the French Revolution, but considering the famous opening to his novel, “A Tale or Two Cities,” one might believe that Nostradamus was writing about the USA today, including the struggle for affordable housing.

Those who cannot remember the past are condemned to repeat it,”  said George Santayana.

It was the best of times, it was the worst of times, it was the age of wisdom, it was the age of foolishness, it was the epoch of belief, it was the epoch of incredulity, it was the season of Light, it was the season of Darkness, it was the spring of hope, it was the winter of despair, we had everything before us, we had nothing before us, we were all going direct to Heaven, we were all going direct the other way—in short, the period was so far like the present period, that some of its noisiest authorities insisted on its being received, for good or for evil, in the superlative degree of comparison only.[2]” wrote Dickens, according to Wikipedia.


In and around presumptive incoming Speaker of the House Nancy Pelosi’s (CA-D) district of San Francisco, there is wealth and poverty. Some of the most expensive real estate in the nation is found there. The homeless defecating on the street is common enough that online maps are available identifying areas to be avoided if you don’t want  to see piles of poop, or the discarded needles of drug addicts.

Welcome to 21st century America.  It is the best and worst of times, all within blocks of each other.


Affordable housing is symptomatic of a variety of interrelated problems. The problems and the solutions are arguably known. Indeed, some years ago, MHLivingNews published an article with a video interview running concurrently with home tours that made the case that the solution to the affordable housing crisis is hiding in plain sight. That phrase was popular enough that others in media have used that line since.

“The Solution to the Affordable Housing Crisis is Hiding in Plain Sight”


Solutions are known, but the problems persist. Why?

MHProNews has been peeling back layers of that puzzling onion over the course of several years. It could be summed up like this. Certain special interests believe they benefit from the current state of affairs. Since it is more than one interest group, depending on the person(s) or organization(s) they are affiliated with, they will fight on several levels to maintain a status quo that has made them millions to billions of dollars.


Where Bernie and the Donald Agreed

Some of the richest people on earth, our fellow Americans, are benefiting from a system that both then-presidential candidates, Bernie Sanders and Donald J. Trump, called “a rigged system.”

If the right and left both see the system as rigged, it begs the question.  Why can’t the two parties solve the issues?

Arguably, because one side benefits more from the rigged system, the other party less so. But each major party has powerful members that believe they benefit from their vision of a morphing status quo. “Draining the Swamp” created over a period of decades isn’t going to be an overnight event.  What took years to create, will take years to accomplish.

The solution always begins by understanding the true nature of the problem.



Value Penguin published a useful introduction to the issue.  It was co-authored by small-town business expert Tom Egelhoff and L.A. ‘Tony’ Kovach, the latter is this report’s writer too.  Fear, Manufactured Homes, and a Solution to the Affordable Housing Crisis is found at the link below.



That column linked above takes several expert views and facts, and makes the case that the lack of affordable housing where its needed costs the U.S. economy some $2 trillion dollars annually in lost gross domestic product (GDP).

Stop right there. Imagine what $2 trillion dollars more GDP could mean to everyday Americans. With approaching 330,000,000 people in the U.S., that would be about $6,000 per every man, woman and child. The typical family of four would average some $24,000 more per household annually.

Put differently, solving affordable housing could be a similar or greater economic stimulus than the tax cuts. And as “Fear” explains, it can all be done using existing laws. That’s the beauty of it. No need to wait years for debating a solution.

Clearly, some would benefit more, others less, from having more affordable housing. But affordable housing in or near the places where homes are needed most would unlock greater opportunities. Investors, existing housing owners, and others waiting to buy could all benefit.

All but a few would benefit from unrigging the system.



This approach may be especially useful to renters. HUD Secretary Carson said several times in 2017 that renters have an average net worth of $5000. Home owners have an average worth of some $200,000.

That $195,000 difference over time for home owners represents real wealth to potentially millions of people.


YIMBY vs. NIMBY, Obama Admin Concept Could Unlock $1.95 Trillion Annually, HUD & MH Impact


But instead, there are tens of millions who are locked out of an appealing ownership opportunity by a system skewed by problematic zoning and discriminatory housing regulatory barriers.

The law of supply and demand is at work. High demand, limited supply, so prices are rising, often faster than wages.


Collage by MHProNews.

There are protests in the streets in various places. Some carry signs proclaiming that the rent is “too damn high.” Those who protest arguably often misunderstand the true causes and logical cures.


Millions of minds out of ignorance and desperation turn to those who promise a purported “solution.” But the claimed “solution” of self-proclaimed “Democratic Socialists” is one proven to be false. Nevertheless, those Bernie-followers took root.

In the midterms some of those self-proclaimed Democratic Socialists won, including Senator Sanders. Sit up and take notice. Because if those growing numbers of socialists get their way, whose property will they tax and take?

Communism is the scavenger that comes when a society begins to rot from the inside,” taught the American anti-communist, Archbishop Fulton J. Sheen.

Sheen grasped that free enterprise and the genius of constitutionally limited government. He supported the American Republic. His talks were educational, and listeners of all faiths – or no faith at all – made his pioneering television broadcast more popular than numerous other shows. When he was awarded the Emmy, Sheen cleverly thanked his writers, “Matthew, Mark, Luke and John.”

The genius of Sheen was blending the lessons of history and reason, working together for a better society, guided by the light of faith. He was a compelling educator.

Hold that thought. Because the path ahead for our industry and the nation is an educational one.

Education – hopefully sound information packaged in a reasonable and compelling way – is appealing.

The goal isn’t to blind political or other opponents. Rather, the wise solution is to help the uniformed or misinformed to see the light of truth. Those who grasp the truth have a duty to share it.

The alternative is a growing, dangerous, and costly chaos.


An eye for an eye only makes the world blind,” is one of the ways that Mahatma Ghandi is said to explain a misunderstood lesson from the book of Exodus. Ghandi and Exodus were both right, the punishment should fit the crime, but it’s better in love to avoid the crime in the first place.  That insight requires a morally informed and grounded people.

It’s an educational matter. And history tells us that like all other education, it must be a sustained effort.


Not Fake Nazis, the Real Deal

There are several economic and political connections with affordable housing.  Ignore that at the same peril as one ignores the law of gravity when standing at the edge of a cliff.

Lies or half-truths told often enough will convince millions. That’s been true long before Abraham Lincoln said, “You can fool all the people some of the time, and some of the people all the time, but you cannot fool all the people all the time.”

My parents lived in Hungary during the Nazi occupation of their country. They lived the reality of the real SS. They knew what took place in neighboring Germany that brought Adolf Hitler to power in the early 1930s. They were well educated, and knew they were getting some false news. But after the war, they told their growing family that they discovered just how much propaganda the Nazis had put forth.

The Nazis demonized their made-up boogeymen. The Nazis used brownshirts as street thugs who were their Socialist party’s political enforcers. It’s a shrewd-but-misguided modern American deception to call a Nazi a ‘right wing extremist,’ because Hitler’s minions were “National Socialists,” or “Nazi.”

Rephrased, the Nazis were from the political left.

The Nazis did not believe in a U.S.-style, constitutionally limited government. And just as Nazi Germany ended up going to war against their one-time allies against Poland, the communist (socialists) of Soviet Russia, the new socialists of our day will in time turn against their allies too. Allies of the modern left? Take notice of that historic lesson.  Once the socialists come to full power, history routinely reveals the powerful socialists in government strive to eliminate their then unnecessary allies.

The Nazis were political gangsters. What follows will be a hard set of facts for many to swallow. People are wont to change their minds, until reality makes them do so. If you can find a factual error, you’re hereby invited to send a response, and your sources for it.


Saul Alinksy, author of Rules for Radicals, credit, Wikipedia.

The Nazis had some commonality to Saul Alinsky and his Rules for Radicals. Alinsky’s book was dedicated to Lucifer (Satan, the devil), he learned his confidence (con game) and other criminal activity from the mob. Those criminal tactics were then applied to politics.

Alinsky’s “Rules” inspired Hillary Rodham, who later became a Clinton.

In 1969, Ms. Rodham wrote a 92 page paper, says Wikipedia, on the Alinsky model, entitled “There is Only the Fight.” According to the Washington Examiner in 2012, “Obama received a comprehensive course in Saul Alinsky during his years as a community organizer in Chicago…”



Saul Alinsky’s Rules for Radicals. Image credit, Pinterest.


From the now-defunct ACORN, which then Barry Obama did legal work on behalf of, sprang the New York Communities for Change. That in turn spawned MHAction. Welcome to the trail to an activist, left-wing opponent to our world of affordable housing. Hold that thought, we’ll return to it.



The Historic Pattern

The surprising-to-millions reality is that Democratic political operatives have used similar tactics of thuggery and de facto protection rackets for well over a century. The Klu Klux Klan (KKK) we’re racist Democrats. The KKK was the terror arm of the Democrats. Who says? Among others, an African-American Professor.



The Nazis learned what they did in part from American Democrats, sad to say.

The period of so-called “yellow journalism” in the U.S. was an element in how Democratic President Woodrow Wilson worked with enough of the U.S. newspapers to manipulate and gin up the desire for entering the war he promised to keep Americans out of. Wilson allowed the shipment of military supplies to the Allies to cross the Atlantic in passenger ships. It was only a question of time before the Germans sank one of those ships. The outcry that enthused when a ship was sunk led the U.S. population into its first Great War in Europe.

The passenger ship Lusitania was carrying munitions when it was sunk by a German submarine in May 1915, documents released by the British Government have revealed,” said Centenary News, on May 2, 2014.

The system of media and manipulation is nothing new. There are more kinds of media today than a century ago, but the principles are the same. Those who don’t learn the history of media manipulation are condemned to relive the costly lessons.

Rush Limbaugh recently celebrated 30 years on the air. His audience is up to some 26 million listeners. He’s the self-proclaimed “…big voice on the right,” for good reason. No other TV or radio audience rivals his. Rush has said time and again that conservatives and those on the right don’t think like the leaders on the political left do. That’s an important vantage-point.



Good! You See It Differently!”

Stephen Covey, author of the 7 Habits of Highly Successful People wrote, “We see the world, not as it is, but as we are──or, as we are conditioned to see it.”

Former President Barack Obama has said something similar.

If you watch Fox News, you are living on a different planet than you are if you, you know, listen to NPR,” said the Hill. “Those who watch Fox News and those who read The New York Times occupy completely different realities,” he said, adding that the network portrays him in “weird ways.”

There is some truth in what he’s [former President Obama] saying in this regard,” Fox News host Sean Hannity said. “He’s right, the mainstream media, they want to destroy [President] Trump and they loved him [former President Barack Obama]. It’s that simple.”

It is that simple, but that’s also the challenge. That’s part of the ‘tale of two cities.’ In a polarized nation, where millions believe that the leaders of the political left and their media allies are correct, and millions of others believe they are wrong, what’s to be done?


Full Measure’s Sharyl Attiksson’s media bias chart is useful in sorting out the agendas behind various headlines and news sources. 


Patient, persistent, properly informed education is the answer. Limbaugh has said recently he hammers away at topics he’s covered for years, hoping to slowly win over some. Clearly, his audience growth means he’s successful at that effort. The solution in part is more of what’s proven to work, persuasive, fact-and-evidence-based educational engagement.

In writing this or any other article and report, let’s note again. If one sees a demonstrable factual error, by all means, we’ve asked readers for years to let us know. In fact, we’ve directly invited those who benefit from the purportedly rigged system in our industry, the Claytons and the Berkshire Hathaway ‘front men’ to engage in a public video recorded discussion. They have declined every time.

If the truth is on their side, why duck or dodge discussion or debate? Why would they miss an opportunity to publicly disprove or make a fool of this writer, if they can do so with facts and evidence?

But the quote in the subheading above applies. To understand another, one must meet them where they are. ‘Good, you see it differently,’ said Covey. Explain your thinking to me. Let’s examine it, together. Let’s discuss it politely and reasonably.

But that’s not what many on the left want.

Ben Shapiro offered to debate now Congressional Representative-elect Alexandria Ocasio-Cortez. Cortez declined, with a dodge. If Cortez is correct and confident in her socialist views, why not debate Shapiro? It would draw millions of viewers, including many millennials. Could it be that Cortez and her leftist backers don’t want to awaken the millennials and the younger generation?


A Useful Hungarian Maxim – “Aki Mondta: Te Voltál, Te Vagy” – Explained 

There’s a Magyar (Hungarian) expression my parents taught us siblings. “Aki mondta: te voltál, te vagy“ It roughly means, ‘the one who is making the accusation is the party guilty of the alleged offense.’

It’s one if the oldest tricks. Let’s look at some contemporary examples.

  • Accuse your opponent of being the ‘Nazi,’ when it is the leftist side that has paid and volunteer members of thug-like misnamed AntiFa groups.  Where do you see the Tea Party, Conservatives, or Trump supporters donning masks and smashing people and property?
  • Accuse your opponent of being a racist, when the accusers themselves benefit from race-baiting.
  • Or the “Affordable Care Act,” which was not affordable medical care at all. Jon Grubber, the Architect for ObamaCare said as much. He blamed ‘the stupidity of the American voter’ for buying the ObamaCare – the ‘Affordable Care Act’ lie. Yet it was Thomas Sowell who in a single paragraph proved why it would never work, based upon simple logic.
Thomas Sowell, Ph.D. Economist, Thinker,

Collage credit, Wikipedia and



Analogies and examples are the tools needed to help people connect to realities that they don’t understand, or have been mislead into believing.  How was the action in the video above any different than what Hitler’s brownshirts behaved?

But reality-checks and patient but persistent charity must be at the core of the responses.



For instance, let’s admit that it’s true that America was imperfect from its founding. But that racial division of slavery sadly existed in every part of the world. Whites who came to the U.S. were often indentured servants for periods of some 7 years. Blacks were often lifetime ‘property’ of their owners.  But as Dinesh D’Souza correctly points out, there were free blacks too, and some of them were slave owners of other African Americans.

Tragic, but true.

America ended slavery before many other nations did. The lesson? Taking a piece of history out of context can be as bad as not knowing history at all.

Since President Abraham Lincoln, a Republican, freed the slaves – today bondage is arguably tied to economic barriers. The invisible economic bondage of manipulated capital, regulations, and laws can be as heavy a chain as the one that bolted people who knew they were captives on ships bound for America.

Don’t believe it? Tour the parts of San Francisco or other places where the addicted or other homeless live on the streets. It’s a tale of two cities, because millions failed to grasp the lessons of Hosea the Hebrew prophet, who spoke for God in saying “My people perish for a lack of understanding…” (Hosea 4:6).


Rachel Maddow, MSNBC and Organizing Protests 

For those on the left, former President Barack Obama is correct.  Listen to MSNBC’s Rachel Maddow, and you have a very different view of national events than those who listen to Fox News.  We surf and read a range of media, so our knowledge is first hand.


The protestors who were organized to “defend” Jeff Sessions and the Mueller probe when President Donald J. Trump fired Sessions and appointed his chief of staff to run the DOJ on an interim level.  Those protestors purportedly included those who are renters or struggling for affordable housing. Those protests are organized as a coalition of many groups – including, per sources, NY Communities for Change and MHAction – brought together in fairly rapid order by the tens, hundreds, and thousands.


They believe that the 45th President of the United States (POTUS) Donald J. Trump is a stooge if the Russians. Never mind that former Secretary of State Hillary Clinton is the one that the evidence points to that has ties to the Russians, in a uranium sales deal the Clinton Foundation profited from. Never mind that the same law firm – Perkins Coie – tied to the Democratic “recount” effort in Broward County FL is the same firm that hired Fusion GPS to correct a semi-fictional “dossier” used to illicitly get an investigation of the Trump Campaign. And that in those dark crevices of the infamous dossier, are some Russians who obliquely helped the Clintons against now President Trump.

Let’s look at another item MSNBC’s Rachel Maddow retweeted.


What is demonstrable fiction is believed as fact by millions, why? Because ‘news sources’ like MSNBC and others on the political left has said the words “Trump-Russia Collusion” so often, they won’t listen to Harvard Law Professor Alan Dershowitz, a Democrat, who said there is no such law barring what’s alleged, and there is no evidence for the claim, even if there was such a crime.  Rephrased, millions of Americans have been conned into believing something that simply isn’t real.



It’s back the principle of Hitler’s propaganda minister, Joseph Goebels, who said that ‘if you say a lie big enough, often enough, people will believe it.’ Goebbels and President Lincoln see that narrow point similarly.

Maddow used sarcasm to deflect the one line critique of the Drudge Report. But note she doesn’t really address Drudge’s point.

Note too that during that same time-frame, AntiFa protesters went to Fox News host Tucker Carlson’s home, terrorizing his wife, chanting ‘we know where you sleep,’ breaking their front door, and spray painting their logo on Carlson’s driveway. See the WaPo video, posted further above.

Maddow found time to tweet or retweet links to nationwide protests. But during that protest organizing timeframe, Maddow failed to tweet any admonishment to those AntiFa thugs.

Isn’t it hypocritical of Maddow – or her a number of her peers – to cast blame on the 45th President for his tone? Why did Maddow and so many on the left fail to verbally rebuke those who oppose the free speech rights of Carlson, with threats of violence?  Every violent act, the president has condemned.  Where is Maddow and her fellow liberals condemnation of Antifa, and what they did to Tucker Carlson’s wife?

Aki mondta: te voltál, te vagy” = ‘the one who is making the accusation is the party guilty of the alleged offense.’   The AntiFa thugs, their billionaire background backers, and media enablers may not coordinate in a smoke-filled back room. But they share a common world-view. That world view that Mr. Obama, Sean Hannity both noted is again summed up by 7 Habits author Covey like this:

We see the world, not as it is, but as we are──or, as we are conditioned to see it.”

For the facts on the multimillion money trail from men like Buffett and Soros to those who organized and run this week’s protests, see the report, linked below.


Prosperity Now, Protests, Indivisible Project, Warren Buffett, George Soros, POTUS Donald Trump, MHAction and Manufactured Housing – Following the Money


The Dots Being Connected  

Maddow likes to mock, another favorite leftist tactic my parents taught us kids to look for and be able to respond to wisely. President Trump was arguably correct in saying that Tuesday’s midterms was a victory. Each side won something. And the next two years will clarify – for those who make or share the case – why the economy fired up under POTUS Trump’s deregulation and tax cuts.


Depending on what Democrats actually do, the economy could stall in the days ahead. If so it’s sad, avoidable, but the pivoting POTUS Trump knows how to highlight that too.

The deal making president doesn’t mind going directly to the people and making his case. If Democrats use control of the House in a way that harms U.S. safety or economics security, he can make that case and produce a full victory in 2020. The president thinks for the long run.

Democrats and progressives think long term too. Our president has shown the patience and resolve necessary to battle the left and beat them at their own game.

The Heritage Foundation said in 2014 that the cost of Democratic President Lyndon Banes Johnson’s arguably misnamed ‘Great Society’ programs has been about 22 trillion dollars. That’s roughly equal to the formal federal debt.


Different sources, the same facts. The socialist promises are proven not to work. Why keep doing what has been proven to fail for over 50 years?

The way to end that morass is through economic growth. Only more income for more people, reducing welfare dependence, and growth in federal revenues will fix the fiscal and economic structural challenges that loom in America.  We can’t afford to become Venezuela. No one will bail the USA out if we fail.


Follow the Money

People like Warren Buffett and George Soros have used their money to obliquely fund groups that participated in the recent post-election protests.

Those progressive billionaires have clearly signaled that peace and bipartisanship are not their goal. It never was. Our industry’s Buffett funded Democrats for years, including candidates like Alinskyites Barack Obama and Hillary Clinton.

There are only a few ways that conservatives – a phrase environmentalists ought to embrace – and those who believe in Constitutionally limited government can defeat the patient, billionaire funded, media and tech giant dominated left.

  • Conservatives must prove to the masses that decades of Democratic policies have failed. The evidence is there in states likes California, and cities like San Francisco, LA, Detroit, Baltimore, Chicago or any city or state that has long run under Democratic Rule. Affordable housing, and a host of other social and economic needs, are everywhere. If their party’s principles work, just ask for proof. Where?
  • Like POTUS Trump, we must be willing to fight deceptive lies or spin with the truth and facts.
  • Those facts must be conveyed in a way that highlight the con-job of Democrats, vs. the proven reality of constitutional conservatism.
  • As a political independent, I recognize that the GOP is more right than wrong. But areas that the POTUS Trump must reach Republicans that have kept me from being one are immigration, trade and a need to avoid foreign wars whenever possible.
  • The GOP losses in the House were avoidable. The president’s press conference revelations of candidates who rejected his “embrace” – and lost – speaks to part of the path.
  • But the other part of his potentially winning coalition are those 22 million Americans who live in manufactured homes. Many already support the President, as a 2016 New York Times poll, and our own unscientific survey, revealed. The left has used MHAction and other resident activist groups to organize a growing number of manufactured home community residents. The GOP and conservative business leaders must learn to engage them successfully. Why?
  • Because they are buying leftist lies being sold by MHAction and others about rent control. It’s all a piece of the progressive cloth.
  • Had the GOP flipped more of those manufactured home owners, they could have won several more Senate seats, in 2018. What the president called his embrace, plus more manufactured home owners, would have held the House.

The Apartment List did research we will close on, but in a unique fashion. They made the case before the election that renters are more likely to vote Democratic. That also means that home owners are more likely to vote Republican.

The National Association of Realtors ™ (NAR) research by Scholastica ‘Gay’ Cororaton, Certified Business Economist (CBE), made the case that manufactured homes can and have appreciated in value. She also said that most renters could be manufactured home owners, based upon their respective incomes and costs. Cororaton also debunked several other fallacies about manufactured homes with her research, in which she kindly cited this writer in her first footnote.


The HUD Connection

In that same footnotes, the NAR economist also cited Mark Weiss, JD, the President and CEO of the Manufactured Housing Association for Regulatory Reform (MHARR). Weiss was cited by the Washington Post in their report about the battle over the HUD Code manufactured housing program.  WaPo essentially credited MHARR for having one Pam Danner, JD, removed from her role as administrator over the Office of Manufactured Housing Programs (OMHP).

Danner was widely seen in the industry as harmful to the manufactured housing, both by overreaching her statutory mandates, but also by failing to enforce enhanced preemption that federal law gives to manufactured homes.

By contrast, the Manufactured Housing Institute (MHI), also cited by WaPo’s Juliet Eilperin, but not for trying to have Danner removed. In point of fact, sources tell MHProNews that it was one or more MHI insiders, backed by Clayton Homes, that pressed for Danner over attorney Victor A. DeRose, who was the official consensus candidate for the post Danner ended up getting.

In Senate testimony in the spring of 2018, HUD Secretary Ben Carson, M.D., said that the evolution from the mobile homes of the past to the manufactured homes of today was amazing.” Carson is known for that calm demeanor, but anyone who views that CSPAN video might think he was emoting.  Secretary Carson also blasted the way the regulations over manufactured homes had been handled as “ridiculous” in that same testimony. That might be construed as a quiet slap at the unnamed Danner.

But in fairness to Danner, the program has never been allowed to live up to its potential. Imagine, the most affordable housing in the nation – decades of proven safety, energy, durability, and appeal – and yet it has been arguably stifled.  Why?

The solution to the affordable housing crisis is the key to unlocking some $2 trillion dollars in more economic activity every year. That would means millions of new jobs.  Higher wages.  More home ownership.  Greater net worth for those leaving rentals. And hint-hint to the GOP and conservatives who do the educating needed, fewer renters and more Republican voters.

My circle of friends, family and associates includes numerous Democrats, Libertarians and others from across the spectrum.  Many of them are people with a great sense of conscience and true caring for others.  But that doesn’t mean that they have not been deceived.  This writer candidly admits to being misled by MHI’s true pattern of activity, which has broadened the Clayton Homes and their affiliated Berkshire Hathaway lenders and suppliers “moats.”  It was MHI themselves that finally caused me to wake up, and begin to examine what a few others had said (and I’d somehow missed) for years was going on.


Smoking Gun 3 – Warren Buffett, Kevin Clayton, Clayton Homes, 21st Mortgage Corp Tim Williams – Manufactured Home Lending, Sales Grab?


Habits can do that to a person.  So, my patience must be as generous as to others as others who enlighted me have been to me.  It isn’t always easy to see that someone could be betrayed for years, but it happens.

We see the world, not as it is, but as we are──or, as we are conditioned to see it,” said Covey.

7 of the top 10 billionaires in America are pro-Democratic.  It is there absolute right to be so.  Within the boundaries of law and morality, they can do with those money as they please.


The Democrats are not the same party that they used to be. Neither are the Republicans. Democrats have tilted socialist, and many say so openly.


But what an examination of the evidence reveals is this.

  • Much of the mainstream media,
  • Many in Hollywood,
  • Many in Silicon Valley,
  • Well beyond the 7 of the top 10 billionaires,

are pro-Democratic. They teach it in schools run by Democratic unions, which often used pro-progressive agenda approved textbooks. This isn’t conspiracy, this is demonstrable fact.  To disguise the reality, we’ve been told by left-leaning media for years about the horrible Koch Brothers, who are only 2 of the top 10 billionaires, and not the top 2.

The deck is stacked. The system is rigged.



Manufactured homes isn’t a one size fits all solution to every problem.  But just as protecting the first and second amendment – along with the others – is routinely useful and good, so too is protecting the right of the people to buy and own the kind of home they want to on their own land, or land they acquire.  It is amazing how the left can hypocritically push “choice” when it comes to unborn human life, but be anti-choice when it comes to practical ways to advance affordable manufactured homes.


For newcomers to the website not familiar with modern manufactured homes, learn more by clicking the image above or the link here.

What is wrong is that we do not ask what is right.” observed G.K. Chesterton.

The only thing necessary for the triumph of evil is for good men to do nothing,” said Edmund Burke.

Everyone is entitled to his own opinion, but not to his own facts,” said Daniel Patrick Moynihan.



Trulia research in 2017 revealed that affordable homes by neighboring conventional housing doesn’t impact value.




HUD Commissioned research in 2011 revealed that manufactured homes sited next to conventional housing both appreciated, side by side.

There are mountains of evidence from Harvard, the Ford Foundation, the Fannie Mae Foundation, NAR, HUD, and others that support the value of modern manufactured homes.  But the keys are these. The laws to help make those affordable homes available for infill on homesites across the nation is the Manufactured Housing Improvement Act of 2000.  It gives enhanced preemption.  Locals can’t zone HUD Code manufactured homes out, yet have been allowed to do so for decades.

Local zoning officials when they do, routinely do so based upon misinformation.  That’s why education, education, education is a key for the next two years.

The Trump Administration has the power to enforce the law. Will they have the political will and wisdom to do so?  The financing is also there, made possible by the Duty to Serve Manufactured Housing mandated by the Housing and Economic Recovery Act (HERA) of 2008.  FHA, VA, and the USDA also have federally backed loan programs that if properly used could turn millions of renters into home owners.

With 8.3 million housing units needed just to catch up, per NAR’s Chief Economist Lawrence Yun, the logic of the matter is powerful.  Many of those who once owned conventional housing now own a manufactured home.  Those former conventional housing owners routinely sing the praises of their new federally regulated homes, that the U.S. Census Bureau says costs half as much as conventional housing.

It’s time to let the law work.

It’s time to let common sense and the evidence be put to work, to educate others as to why some are allowed to suffer, while purportedly manipulative billionaires maneuver media, money, and authorities in ways that the common person can’t.


Two Great Laws Already on the Books NOW,  Can Unlock Billion$ Annually for Manufactured Housing Industry Businesse$, Investor$


Equal justice under the law – applying the laws fairly to all – are principles that should unite about 75 percent of the nation, perhaps more. In the era of POTUS Trump, it is conceivable. Time will tell if it happens, and if it doesn’t why it doesn’t.


Affirmatively Furthering Fair Housing, a Novel Yet Proven Solution to the Affordable Housing Crisis That Will Create Opportunities, Based Upon Existing Laws


History is there to inform us.  The tale of two cities could come to a happy halt in America, given the right leadership. May God awaken, bless, and guide, a renewed American Dream. ## (News, Commentary, and analysis. – Notice, the right to share this unedited, with a link back and proper credit, is hereby granted).

(See Related Reports, further below. Third-party images and content are provided under fair use guidelines.)

LATonyKovachGoodBipartisanshipShouldalwaysBepredicatedBenefitallhonestindustrymembersnotslectfewquoteBy L.A. “Tony” Kovach – for

Tony is the multiple award-winning managing member of LifeStyle Factory Homes, LLC, the parent company to MHProNews, and

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Related References:

Manufactured Home Resident Group President Cautions Against MHAction, Surprising Background Reveal to Manufactured Housing Action

“The Creepy Line” Video DocuDrama, Manufactured Housing – The Problem, Solution, and You


“I knew right from the beginning.” When President Trump, First Lady Melania, VP Pence Toured Manufactured Home Community


FEDs, MHI, Buffett’s Berkshire’s Clayton Homes Moat, Affordable Housing, and Billion$ in Manufactured Home Market Manipulation

Manufactured Housing Institute (MHI) PAC Supports Former Hillary Clinton VP, Senator Tim Kaine, Other Anti-Trump Agenda Democrats


Acclaimed Poverty Inc. Video, MHVille – Why Left & Right Should Listen, Learn From Each Other


Universal Basic Income-The Evolution of Poverty Pimping?





Another Top Manufactured Home State is Sliding on New HUD Code Home Shipments, More New Data

November 7th, 2018 No comments



Doctor’s don’t serve their patient if they ignore troubling test results or health symptoms.  A good physician candidly shares the good, the bad, and the problematic honestly with their patients.


An analogous principle from medicine holds true for good trade media.

While big companies have several resources available to them to inform them of trends, and allows them to prepare, smaller to mid-sized companies often don’t have that same luxury.


Clayton Homes and 21st Mortgage’s Manufactured Housing “Spies”



Data forwarded from a Manufactured Housing Association of Oklahoma (MHAO) member for analysis and commentary.


According to data provided by a source that is a member of the Manufactured Housing Association of Oklahoma (MHAO), two states in their region are down year-over-year.

One of those states is Louisiana.  According to data compiled by the independent HUD Code home producers trade group – the Manufactured Housing Association for Regulatory Reform (MHARR) – Louisiana has been the number 2 state in recent years.




Louisiana is the number 2 state in HUD Code manufactured home shipments for the past 7 years. For that state to be sliding, in addition to others in the U.S., is a significant development.


Yesterday, the Daily Business News on MHProNews once more led national manufactured housing trade media in reporting that another top 10 state is sliding, as are several other states.


New Shipment Data, Top Manufactured Home State, Other MH States Continue Slide


During the growing affordable housing crisis, this is a warning sign.  So why hasn’t the umbrella association the Manufactured Housing Institute (MHI) addressing this persistent problem, when MHProNews has been spotlighted the troubling trend for years?

Why does MHI ignore the clear warning signs?

Keep in mind that while there is an emerging new national manufactured home community association – one that Nathan Smith and the Manufactured Housing Institute (MHI) are trying to embarrass and purportedly hope to kill-in-their-crib – the only national post-production association is MHI.


Nathan Smith, SSK Communities, and Manufactured Housing Institute (MHI) Slam New National Manufactured Home Communities Group in Written Statement



MHARR’s focus is on production related regulatory issues.  MHARR only began to take up finance issues – a post-production concern – because sources say that MHI has demonstrably failed their own members in that and other areas.


Past and current MHI members like Kenny Lipschutz, Marty Lavin, Frank Rolfe, the states that have broken away from MHI, are among the signals that no matter how pleasant their mixers or networking may be, they are ‘not getting their job done’ on behalf of the majority of their members.


The above from MHAO is from August data. The new MHARR September 2018 shipment data is found at their report linked below.


September 2018 Manufactured Home Production Data Shows Slight Flatline




This report is being drafted prior to the close of polling on November 6, at 3:25 PM ET.  MHProNews will begin to unpack the midterm outcomes later Wednesday, and in the days ahead.

Another forward-looking notice is that MHProNews contacted:

  • Kevin Clayton, Clayton Homes,
  • Tom Hodges, JD, Clayton Homes,
  • Tim Williams, 21st Mortgage,
  • Richard ‘Dick’ Jennison, MHI President,
  • Rick Robinson, JD, MHI General Counsel,

among others in manufactured housing industry leadership.  They’ve been asked about specific HUD Code manufactured home industry related issues and reports. As of this time, they have not yet responded. Keep in mind these same sources used to reply promptly.  Why are they hiding from the industry’s leading media?

Whatever their response – or failure to respond – will be likewise be part of upcoming reports.

Other factory-built home industry publishers arguably have their hands tied on what they publish, which is routinely fluff and just cheerleading. If that is the only media you’d read, you might be led to think that everything is all good. But in fairness to them, it often due to who those other publisher are being paid by – follow the money.

MHProNews prides itself on being the most independent, analytical, and essentially the sole fact-checking national trade publisher in our industry.

Those are among the reasons why MHProNews leads all others by a country mile in professional readership, from companies of all sizes, including those noted herein. MHProNews routinely have more readers in a day than others do in one or more months, per third-party data.

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Related Reports:

While Manufactured Housing Overall Rises, Some Slip Sliding Away


Due Credit, Warren Buffett, Media, and Manufactured Housing’s Historic Achievement

Manufactured Housing Institute Shipment Data, FEMA, an Inside Look





“A Nation of Laws” – Donald Tye, Jr. Affordable Housing, and Manufactured Homes

October 24th, 2018 Comments off


The new video interview with actively retired businessman and minister, Donald Tye, Jr., draws to a close with these words from Tye.



We are a nation of laws,” Tye said.

Tye explained that when laws aren’t enforced, all people and the nation at large suffers.

The useful, and often powerful video interview is found at this link below.


Affirmatively Furthering Fair Housing, a Novel Yet Proven Solution to the Affordable Housing Crisis That Will Create Opportunities, Based Upon Existing Laws


Much like Tye describes himself, the video and article are nonpartisan.  Needs, goals, laws, and solution oriented.

  • What are the needs?
  • What are the facts?
  • What are the laws?
  • How can enforcing existing laws help people of all economic backgrounds?

Take a good look. Then share the link above. It can open numerous minds, which can open up opportunities and more honestly earned profits. “We Provide, You Decide.” © ## (News, analysis, and commentary.)

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Related Reports:

Transparency – What Manufactured Housing Industry Pros Have Proclaimed

Affordable Housing, Manufactured Homes, Bipartisanship, Bill, Newt, Sexual Scandals, and You

October 5th, 2018 Comments off



It would be a grave mistake to think that bipartisanship is dead.


Earlier this year, Maxine Waters (CA-D)  and Jeb Hensarling (TX-R) worked with each other to pass a bill out of the Financial Services Committee that latter passed the House of Representatives by a wide margin.

Who Says Bipartisanship is Dead? House Passes Massive “JOBS & Investor Confidence Act” S 488 by 406 to 4 Vote


S. 2155 was passed mostly by Republicans, but with some Democrats joining the effort. While missing or hyping some details, the Manufactured Housing Institute (MHI) is correct in pointing out that there are benefits to our industry in S. 2155.

There are other possible examples of bipartisanship, but those two suffice to make the point.

That said, bipartisan efforts arguably aren’t as common today as they were two decades ago.  The photo at top features Democratic President Bill Clinton with GOP House Speaker Newt Gingrich (R).

If you are under 35 – unless you were an unusually politically-focused teen or youth – you may only know from a historic reference by media of the following, compelling facts.

Bipartisan efforts in the President Bill Clinton (D) Administration worked with a Republican dominated Congress in 1996 and 1998 to pass legislation that:

  • reformed welfare,
  • balanced the budget,
  • passed a key piece of modern manufactured housing legislation,
  • and much more.

As an upcoming special report will feature, Democratic President Bill Clinton, Republican (GOP) House Speaker Newt Gingrich, and others who were part of a cast that passed historic pro-growth, debt/deficit cutting, and pro-manufactured housing legislation. Make sure you are signed up for our emailed news updates so you don’t miss an upcoming special report.


That manufactured housing (MH) legislation is still on the books, but is only partially implemented.  That means it has not been fully applied to the benefit of the manufactured housing industry and consumers alike.

Yet that little-known law could unlock tens to hundreds of billions in business the next decade, if it is properly utilized. Tech gurus involved in factory-built housing say the new housing market is some $330 billion a year. That gives a reader a keen sense of what manufactured home potential is. More of those details about pro-manufactured housing laws another time, but they’re covered in part in the report linked here, which can be read later for greater fact-based insights.  ICYMI, the post below is another example of bi-partisan efforts.

Jeb Hensarling & Maxine Waters Unveil Bipartisan Capital Markets Reform Legislation


The First Takeaways

The first takeaway is that bipartisanship can still happen.  But it arguably isn’t as common as it once was.  The other takeaway is that manufactured housing is poised for tremendous potential profits, but those won’t occur until pragmatic and ethical action occurs.


MH Objectivity

As political independents who are pro-business, pro-consumers, and pro-workers, this industry-leading trade publication looks at facts, evidence, follows the money.  We then seek and present reality, always in search of what is necessary, true, and good. We do so with significant input from informed MH professionals, and the strategic support of a few-long-term thinkers and doers.

Bipartisanship can be good, but only when the legislation or policy is good.

But bipartisanship when a policy is flawed is wrong, period. Majorities don’t create morality. God establishes eternal moral standards. When laws or legislation are good, they comport with the moral norms given by the Creator of all humanity.

Principle of ‘The Lesser of Two Evils,’ and MHVille’s Future


Sexual, Sensationalized, Dirty Politics and Manufactured Housing

In the late 1990s, House Speaker Newt Gingrich worked with President Bill Clinton even as the two major parties sought to outmaneuver each other. President Bill Clinton was fairly accused of numerous sexual scandals.



Clinton had sexual encounters that became widely known.  The photo below spotlight just 4 of them.


The truth sets people free.

Speaker Gingrich himself had an affair while in office during the 1990s, with then Callista Bisek. That affair later resulted in a divorce, and an eventual marriage by Newt of the woman who is now his wife. Callista Gingrich today is the U.S. Ambassador to the Vatican.


Reality is what is. It makes no sense to live life based upon half-truth, spin, deception, or lies.

While bipartisanship was evident in the 1990s, so was manufactured political gamesmanship.

Eighty-four ethics charges were filed by Democrats against Gingrich during his term as Speaker. All were eventually dropped except for one: claiming tax-exempt status for a college course run for political purposes,” says Wikipedia. “…In 1999, the IRS cleared the organizations connected with the “Renewing American Civilization” courses under investigation for possible tax violations.”

Rephrased, Gingrich was publicly smeared with dozens of charges, but in the end, nothing stuck.  Sound familiar?

Nevertheless, “In 1998, Republicans lost five seats in the House,” says Wikipedia… “His [Gingrich’s] private polls had given his fellow Republican Congress the impression that pushing theLewinsky scandal would damage Clinton’s popularity and result in the party winning a net total of six to thirty seats in the US House of Representatives in this [1998] election. The day after the election, a Republican caucus ready to rebel against him prompted his resignation of the speakership. He also announced his intended and eventual full departure from the House in January 1999. When relinquishing the speakership, Gingrich said he was “not willing to preside over people who are cannibals,” and claimed that leaving the House would keep him from overshadowing his successor.”

People can change. But human nature remains the same. We are all people who have our own unique weaknesses.


Learn more by clicking here or above. The banner ad is not connected with the story it is posted in.

It is difficult at best to succeed long-term in business in America today without having at least a basic sense of politics. Much of what happens is for the camera, sound bites, and public impact. Various scandals manufactured for media are used with the idea of manipulating and thereby influencing voters.

Having worked with mainstream media on several occasions spanning over 20 years, this writer can tell you first-hand that stories are routinely ‘framed’ by television and print media to fit a narrative.  That spin may or may not fit all of the facts.

Rephrased, sometimes key information is left out or over-emphasized, which can make a story appear to be plausible or true. In fact, some news is just agenda-driven, manipulative propaganda.

President Clinton remained in office, even though it is widely believed he was guilty of several examples of sexual misconduct.  Those Clinton misdeeds pale in comparison to what Judge Kavanaugh is accused of doing. After 7 FBI investigations, there is no evidence, no corroboration against Judge Kavanaugh. Yet, the slander against Judge Kavanaugh persists.

By comparison, the mainstream media largely gave President Bill Clinton a pass, and there was considerable evidence that spanned years against him.  Then First Lady Hillary Clinton orchestrated the defense of her husband Bill.  She did so by publicly crushing President Clinton’s accusers. For more of an inside, fact-based look at the inner-workings of the mainstream media, see the related reports, further below.

Hillary did her part to deflect the allegations against her husband Bill.  She did so in conjunction with Clinton political operative James Carville.  It was Carville who came up with the troubling line – quoted below – that still haunts manufactured housing to this day.

“Drag a hundred-dollar bill through a trailer park, you never know what you’ll find,” James Carville, Clinton Strategist

People on both sides of the aisle – and those who are a-political – still use Carville’s comment, yet it is deeply offensive to millions.

“’Trailer Trash’? Watch Who You’re Insulting When You Throw Around Those Words” – Buffalo News

It is an example of how politics can make strange bedfellows.

All that said, Speaker Gingrich and President Bill Clinton worked with each other to pass much of Gingrich’s “Contract with America.” The tech revolution was underway in the 1990s. Billionaires today like Bill Gates, Mark Zuckerberg, Jeff Bezos, and others were young in their careers in that timeframe. It took time for those tech gurus to evolve to the point that they became fabulously wealthy. They too played, and used, the political and media game.

An important lesson learned from billionaire Warren Buffett is precisely the need to understand history, to be well read, and to think long term.  It is no secret we disagree with much of Mr. Buffett’s machinations. But that doesn’t mean that we should ignore the lessons he has taught, for good-or-ill, to the manufactured home industry.

Buffett’s deeply political.

warren buffett pres obama motley fool 12-13

Warren Buffett, President Obama, credits Wikipedia.


MHARR, MHI, and State Associations, Working Together

We will look in greater depth in the days ahead to see how:

  • the Manufactured Housing Association for Regulatory Reform (MHARR, previously known as the Association for Regulatory Reform – ARR),
  • the Manufactured Housing Institute (MHI),
  • and Will Earle of the Texas Manufactured Housing Association (TMHA)

all came together with numbers of other industry pros to work with Speaker Gingrich, Congress, and President Bill Clinton to pass a historic piece of legislation for our then thriving HUD Code manufactured housing industry.


Danny Ghorbani, left – then president of what today is MHARR. Bill Clinton, right. There were numerous industry and political professionals that were involved in the process of making pro-manufactured housing industry legislation come to fruition. Then and now, it will only happen when pragmatic reality guides enough peoples’ thinking and actions.


What was accomplished previously in sustainable shipment levels, can clearly be done again.


Clarity on reality – then, now, and in the future – is vital for our industry’s revival.

The intriguing back-story to how MHARR, MHI, and what became MHEC give an illuminating “lessons learned” that could make it easier for our industry if understood and applied.

Partisans on both sides of the aisle – including partisans in our industry’s trade associations – must see reality clearly to understand how tens of billions of dollars in annual sales could be achieved in the near term in manufactured housing.

That kind of growth only occurs when local businesses in their local markets do their best, achieving results several times greater than they now are accomplishing.

But that achievement won’t happen absent reality-checks, pragmatism, and the correct next steps.


Fair Warning

The video posted below opens with salty “R” rated language.  We’ll present both the teaser (the ‘trailer’) and the full length video.


The video shows rough-but-real, raw news footage. The video takes viewers on a compelling snapshot of how our future is being shaped. It also suggest how our collective future could become so much brighter.


There’s a highly documented affordable housing crisis. Lawrence Yun, Ph.D. and chief economist for the National Association of Realtors ® says that some 8.3 million housing units are needed.  That’s a sense of the potential manufactured home and other factory builders could be tapping into.

Manufactured homes are arguably best poised to address those needs, because of the two great federal laws, that if fully implemented could open the floodgates for manufactured housing and millions of Americans. To achieve our industry’s amazing potential, more should realize that President Trump, with a GOP House and Senate, could give our industry the brightest period it has ever achieved.

Please skip something else this evening, and make the time to watch the video above. Then kindly share this post and these videos with others. FYI, the video below is quick and industry-focused.


President Donald Trump, HUD Secretary Dr. Ben Carson, Private-Public Partnerships to Solve Affordable Housing Crisis

Once informed, vote wisely in the midterms. Give the 45th President of the United States (POTUS) the support he needs in Congress to make America and our manufactured home industry great again.  He’s promised to enforce the law.  Let’s give him the Congress he needs, and then do as the NFIB and others have, ask him to fully enforce our industry’s two great laws.


That’s “News Through the Lens of Manufactured Homes, and Factory-Built Housing,” © where “We Provide, You Decide.” ©  ## (News, analysis, flashback, and commentary.)

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LATonyKovachMHanufacturedHomeLivingNewsManufacturedHousingProNewsConsultantIndustryExpertBy L.A. “Tony” Kovach – for

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Related References:

Danny Glover, Presidents Barack Obama & Donald Trump, Promises Kept, and Affordable Manufactured Housing

President Donald J. Trump Visit to Manufactured Home Community, Video, Hurricane Florence Update

“Shadows of Liberty” Movie Introduction, Affordable Housing, and You

President Jimmy Carter Blasts Trump Administration on Affordable Housing, Carter’s Manufactured Home Ties

September 14th, 2018 Comments off



CNBC reported last week that former President Jimmy Carter took aim at the Trump Administration on the important issue of affordable housing.


Low-income housing needs to be raised much higher as a priority for our country,” former President Carter said in a phone interview with Emma Newburger. “That’s the first step toward making people who are now dependent on government assistance, on welfare rolls, to get a good job and have a chance to raise their families and put their kids through school.”

Mr. Carter told CNBC that the Trump Administration is ‘ignoring a national housing crisis,’ and he urged voters to support candidates who promote affordable housing.


The Carters, HUD’s Carson, and Manufactured Housing

CNBC’s Newburger told MHProNews that the “topic [of manufactured housing] didn’t come up in the interview” with former President Carter.

By contrast, when the Department of Housing and Urban Development (HUD) was asked to respond to former President Carter’s broadside, a HUD spokesperson offered to MHProNews the very specific answer of Secretary Carson’s strong statement of support for manufactured housing.

The HUD spokesperson who replied to the Daily Business News on MHProNews was one that has not previously spoken or messaged with MHProNews. Her reply for HUD is all-the-more interesting to investors and businesses in manufactured housing (MH) who read the tea leaves that may signal what direction the agency will take when their regulatory comments review are completed, later this year.

Those comments the spokesperson sent from Secretary Carson were previously published by the Daily Business News, and are found on HUD’s website here, or at the article with some commentary linked below.

“A New Era of Cooperation and Coordination,” is Promised by HUD Secretary Carson, Saying “I Hear You”

Mr. Carter is a prominent supporter of Habitat for Humanity. An informed source in Carter’s home state of Georgia told MHProNews that Habitat rarely uses manufactured homes, preferring to get “free labor” from those who are putting their “sweat equity” into the house that they help build. That keeps Habitat’s construction costs low.

In Habitat’s view, per our source, this combination of factors creates a greater tie of the Habitat dwelling buyer to their home and mortgage payments.

However admirable Habitat is, it obviously only scratches the surface of our nation’s affordable housing needs.  Their own data shows that the majority of their work is done in other countries, instead of here in the U.S.


It’s noteworthy that a Google search of former President Carter reveals no obvious criticism by him of the Obama Administration over their handling of affordable housing efforts.  By comparison, even some progressives criticized former President Obama for his perceived missteps at HUD regarding affordable housing. One such critique was about Shaun Donovan’s selection by former President Obama, and that source viewed Donavan as a Clinton Administration ally throwback.

So why did Mr. Carter give former President Obama a pass for 8 years, when the rate of home ownership dropped?


Where was Mr. Carter on the issue of rising rents during the Obama Administration?


Or why didn’t the former president from Plains, GA not critique Mr. Obama’s handling of the economy, debts, and deficits? During the Obama era, rental rates continued to rise. Regulatory policies during the 44th president’s term in office constrained or even crushed small businesses by the thousands, while large companies recovered and grew.  Manufactured housing has slowly recovered during the Obama years, due in part to regulatory overreaches.


Details further below will outline factors that began during the Carter Administration years, which culminated in some of the housing and mortgage issues of our era. See further below.


Yet, in an apparently partisan Democratic Party fashion, Mr. Carter’s recent blast wasn’t aimed at former President Obama for the erosion in home ownership rates.  The peanut farmer turned president from Plains didn’t take at rising rents under former President Obama. Instead, Mr. Carter attacks President Donald J. Trump?

The Trump Administration has only been in office for about 20 months.  Dozens of the 45th president’s nominees have been slow-walked by Democrats in the Senate.

Ironically, the rate of home ownership and the economy are both improving at a significant clip since Mr. Trump won the election.  So where’s the logic of Mr. Carter’s claims? CNBC apparently failed to ask – or did not report it if they did – insights into any of these salient questions.

Perhaps equally interesting is the following issue and related question.

The federal manufactured housing construction and safety standards administered by HUD had their first full year in effect during President Carter’s Administration.


There were certainly many factors that contributed to the steep drop in sales of mobile homes from their peaks in 1973 and 1974. When the HUD Code kicked in and manufactured housing was ‘born’, sales levels stayed fairly low during the Carter years. They went up modestly during the Reagan Administration era.

Mr. Carter’s colorful younger brother Billy served two different independent HUD Code manufactured home builders in high visibility roles for several years in the 1980s.

So why didn’t actively-retired President Carter do more to promote manufactured homes as an affordable housing solution? Or why hasn’t Mr. Carter done more to elevate manufactured homes as an obvious and proven free market solution to affordable housing since he left office?

After all, Mr. Carter can’t claim ignorance of the topic. The former president’s home state was at one time a top-tier manufactured home producer.

So, why did HUD Code manufactured home shipments nose-dive relative to the end of the mobile home era timeframe compared to the Carter years?  By contrast, as Daily Business News on MHProNews has reported, both prior Presidents Nixon and Ford each promoted “mobile homes” as an important part of the U.S. affordable housing mix.

Help Others “Get It” – Loans on “Mobile Homes” Promoted by Another U.S. President

The photo below was provided to MHProNews by ScotBilt Homes, which has produced manufactured homes in GA for many years. Left-to-right in the photo are Sam Scott, Judy Cazel, President Jimmy Carter, his brother Billy Carter, and Jim Cazel, the pilot of the aircraft they are standing by.



The Reaction to former President Carter’s Comments From Washington, D.C.

There is no widely published comments to be found from a Google search (see downloadable screen capture) from the Arlington, VA based Manufactured Housing Institute (MHI) regarding the recent comments by former President Carter.

But the Washington, D.C. based Manufactured Housing Association for Regulatory Reform (MHARR) weighed in on the conventional comments by Mr. Carter in a nuanced comment as follows.

While Secretary Carson as we noted in a recent article has said the right things about the need to eliminate exclusionary zoning, there is much more that HUD could do to support consumer financing for affordable housing, most particularly chattel financing for manufactured homes,” said Mark Weiss, JD, President and CEO of MHARR to MHProNews.

Weiss and MHARR members are on record encouraging more lending from the FHA, while acknowledging the progress made to date during the Trump Administration.

It should be noted that MHARR has no PAC, by design, but MHI does. MHARR has praised the Trump Administration, as has MHI.


“Move, Open, Live” De Rose Industries & Senator Thom Tillis’ Mobile Home Comments

But a key distinction between the two trade groups on this issue is that MHI put two paid pro-Clinton speakers on stage in their pre-election Chicago event, a claim MHI has never opted to deny or try to explain.  The mainstream headline below is one of several that document that Berkshire’s chairman backed the party that favored heavy regulations. Why?


MHI’s primary “big boy” member is Berkshire Hathaway owned Clayton Homes and their affiliated lenders, 21st Mortgage Corp and Vanderbilt Mortgage and Finance. Kevin Clayton is seen with former President Bill Clinton in the disastrous post-Haitian earthquake “recovery” effort photo and linked report below, that dives into those alleged scandals.

“Toxic Trailers” – Clayton Homes, Warren Buffett, Kevin Clayton, Clintons – Exposé Videos

Warren Buffett campaigned for Secretary Hillary Clinton against Mr. Trump in 2016, saying on several occasions, that Buffett believed in her policies.  As MHI award-winner – and periodic MHI critic – Marty Lavin has said, “Pay more attention to what people do than what they say,” and “Follow the money.”

FollowThe MoneyPayMoreAttentionToWhatPeopleDothanwhatTheySaySpySea72MartyLavinYachtManufacturedHousingINdustryProMHProNews


Forbes’ John Moratta Weighed In on Carter to Obama Era

But there’s other issues that need to be raised, one of which a Forbes Contributor David John Marotta examined. In 2012, Marotta argued that the entire contest between Democratic candidate and incumbent, President Barack Obama vs. GOP nominee, former Governor Mitt Romney should come down to a single subject.

It’s one that directly relates to affordable housing, manufactured homes, the U.S. economy, and the future direction of America.

The Forbes headline was, “The Election Should Be Settled by a Single Question: Who Caused the Financial Crisis?”


Two key paragraphs by Marotta on the subject framed by the headline above read as follows.

“…It all began with the Community Reinvestment Act (CRA) of 1977 under President Jimmy Carter. Its goal was to reduce discrimination against people in low-income neighborhoods by FDIC banks. The law did not provide any criteria for equal process. Thus any bank whose lending results were called into question could be challenged. And banks needed regulators to approve their actions.

DavidJohnMarottaForbesContributorDailyBusinessNewsMHProNews300The CRA increased the oversight of financial institutions and empowered organizations such as the Association of Community Organizers for Reform Now (ACORN). Obama’s work as a community organizer included working as ACORN’s attorney suing banks in Illinois.”

Skipping further into his column, the following extended quotes from Marotta said, “In the last election campaign, it was vehemently denied that Obama had been an ACORN trainer until the New York Times uncovered records demonstrating he was.”

Now Democratic New York Governor “Andrew Cuomo was the assistant secretary of Housing and Urban Development (HUD) and then secretary under President Bill Clinton from 1993 through 2001. Cuomo created 800 new HUD employees who were paid as much as $100,000 to fight against abolition of the agency. These community builders, as they were called, worked with local groups to lobby against tax cuts and to aid Democratic candidates.

Under Cuomo’s leadership in 1998, HUD forced banks in Texas to lend $2.1 billion in affirmative action loans with a higher risk and higher default rate.”

President Clinton touted these supposed achievements. “In 1998 he boasted,In the 20-year history of the Community Investment Act, 85 percent-plus the money loaned out under it to poor inner-city neighborhoods has been loaned in the five years since I’ve been president.”

Fannie Mae and Freddie Mac were on the path to disaster. Now Obama blames deregulation under the Bush administration for the financial meltdown, but there was none.

After Clinton, George W. Bush and Republicans tried to tighten up lending standards for which they were demonized by the Democrats. These efforts were pushed unsuccessfully throughout the Bush administration starting in April 2001. 

Ranking Democrats Barney Frank and Charles Schumer led their party to block these efforts in the fall of 2003. Frank made light of Republican concerns. He said, “I think we see entities that are fundamentally sound financially and withstand some of the disaster scenarios. And even if there were a problem, the federal government doesn’t bail them out. But the more pressure there is there, then the less we see in terms of affordable housing.”

Those points in Forbes are ones MHProNews has raised several times over the years –  including, but not limited to – by previously sharing the video posted below.


It should also be noted that former President Bill Clinton himself acknowledged that, “The responsibility the Democrats do have may rest more in resisting any efforts by Republicans in the Congress or by me when I was president to put some standards and tighten up a little on Fannie Mae and Freddie Mac.”

Let’s let all of the above sink in for a few moments.

That should not imply that several Republicans weren’t also complicit in the housing/lending issues in the run-up to 2008, because Fannie and Freddie were donating to candidates on both sides of the aisle.

But more influence buying cash went to Democrats. Politico reported that the GSEs spent a stunning $200 million dollars in campaign contributions, see the screen capture below.


So it seems more than ironic that former Democratic Presidents Carter, Obama, and the Clintons now gleefully point a public finger at President Donald J. Trump. But the evidence and factual reality is that those Democratic leaders are guilty of blatant hypocrisy. They and their party bear a significant degree of responsibility for the economic turmoil, starting in the Carter years, during the Clinton Administration, as well as the run up and through the Obama Administration eras.

Big government solutions, the ones more commonly proposed by Democrats, have proven for 50 plus year not to work.


It’s federal government policy that turned toward more subsidized conventional housing, which has never kept up with the needs in over 50 years.  Manufactured homes, or the mobile home era before the HUD Code existed, were the free enterprise solution that have proven to be as “amazing” as HUD Secretary Carson said in Senate testimony earlier this year.



Summing Up the View from MHVille

There is little doubt that members of both major parties have over the years made their respective errors, along with efforts to spin or cover up those mistakes.

But there’s plenty of evidence that former Presidents Carter, Clinton, and Obama – along with Democratic allies in Congress – fostered the conditions that have undermined manufactured housing, and hurt the economy at several times, and in often severe ways.

As industry investors, professionals, and all others ponder their support and votes in the upcoming midterms, it’s vital to consider the issues noted above.

Democrats and disaster-capitalists have long ties. Mr. Buffett and Kevin Clayton’s connections to top Democrats ought to be weighed by all those who care about the issue of affordable housing and manufactured homes role in that effort.

As a disclaimer, while the publishers of MHProNews are political independents, this writer published an article that supported then candidate Trump during the Republican primaries in 2016. That article was republished by the Trump campaign on their website, as the screen captured image below reflects.


While the Manufactured Housing Institute (MHI) paid for two pro-Clinton speakers in the closing days before the 2016 election, the Kovach family supported Donald J. Trump’s candidacy as the best for the industry, small business and hundreds of millions of Americans. One of those stories ended up on the president’s campaign website, and hundreds of conservative and pro-Trump websites.

Resistance Democrats, and some Republicans too, have caught to slow or stop the reforms that former Democrat turned Republican Donald J. Trump has sought to bring to the U.S. in economic and foreign policies. Those who claimed that Mr. Trump could never win were proved wrong.

Some of those same voices are shouting daily now that Democrats will carry the House, and maybe even the Senate in a supposed “blue wave.” It is a “knife fight,” as Senate Majority Leader Mitch McConnell recently said.

But the races are close. And the polling touted in 2018 has some of the same problems that 2016 polling had.  It is every bit as likely, perhaps more likely given consumer and business confidence levels, that a “red wave” is coming.

President Trump is taking over the GOP, and is transforming it into a pro-worker and pro-business, pro-growth party.  1/3 of the counties that went for Mr. Obama flipped in 2016 and supported Mr. Trump.

The midterms will be all about turnout. Turnout will be determined by energy and enthusiasm. The economic recovery this time isn’t driven by Federal Reserve monetary easing, or doubling the national debt in just eight years, as occurred during the disastrous Obama Administration years.

We are only now beginning to see details and documents about the level of corruption that occurred at the FBI, DOJ, and perhaps the CIA during the Obama era in the 2016 campaign.

The future of our industry’s growth potential may hang in the balance of a builder-businessman turned politician. President Trump has systematically been keeping his campaign promises.

HUD Secretary Carson’s pressroom spokesperson pointed to his manufactured housing comments as their reply to former President Carter’s controversial, and demonstrably misleading claim made to CNBC.

Yes, MHARR’s president is correct in saying that positive words and the regulatory freeze must be followed by more concreate and positive action.

But the Trump Administration, for all the drama that surrounds it, is keeping their promises to put American jobs, businesses, and our national interests first.  It’s a vast improvement over the presidents of both parties since the days of Democrat turned Republican, President Ronald Reagan.

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Related Reports:

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Principle of ‘The Lesser of Two Evils,’ and MHVille’s Future


“Thou Shall Not Steal,” $2 Trillion Annually Lost to Lack of Affordable Homes, Making the Manufactured Home Case

Pain, Pleasure, Persuasion, Honesty, and Sustainable MHVille Profits

September 9th, 2018 Comments off


There are precisely three ways to influence any organization of whatever size.

Influence can only occur:

  • From within an organization,
  • from outside of a given group or
  • from a combination of both.

That’s the clarity of applied logic or common-sense reasoning.


Pain, Pleasure, Persuasion, Honesty, and Sustainable MHVille Profits.

Day by day, MHProNews and MHLivingNews presents facts, figures, evidence, analysis, reasoning, and specific stories.


Because it works. Reasoning and stories influence people.

Let’s be clear. Some will run from reason or will avoid topics that make them uncomfortable. But the subconscious mind, once exposed to a fact, doesn’t readily forget it. Facts and evidence may get drowned out for a time, but reality has a way of making a comeback.

Pain in the body is a signal that something is wrong. Pleasure and pain can both be manipulated. Emotions used correctly motivates, used incorrectly, can be tricked and manipulated. Humanity was created with both emotion and the ability to reason.

Carrots, sticks, and repetition are how people get attracted, maneuvered, or manipulated. But a cogent presentation of facts and evidence can cut through the noise with some, and those people can in turn influence others.

Let’s start with an example outside of professional associations, but that still matter to everyone in MHVille. Manufactured home (MH) resident groups.

MH resident groups can be right, wrong or a combination of those.

But right or wrong, MH resident groups clearly have influence. Here are a few examples:

  • For years, the Manufactured Housing Consensus Committee (MHCC) has had one or more resident group members on it. The MHCC, which meets again this week, has legally established influence at HUD, under the Manufactured Housing Improvement Act of 2000 (MHIA).
  • You may or may not give the MHCC a second thought. But the Manufactured Housing Association for Regulatory Reform (MHARR), and the Manufactured Housing Institute (MHI), some companies, and state association certainly do. So do resident groups. Because the MHCC can influence several things that impact the HUD Code manufactured homes that are sold by the industry.
  • At state legislatures, at the local governments level, or in congressional hearings, resident groups have and can make a difference for or against a pending law or other administrative actions.

Knowing this about resident groups, there are state associations that work with them as best they can.

MHARR has had contact with them too, on issues like the Duty to Serve (DTS) Manufactured Housing mandated for the Government Sponsored Enterprises (GSEs or Enterprises) of Fannie Mae or Freddie Mac by the Housing and Economic Recovery Act (HERA) in 2008.

As those who have sat in MHI meetings know, MHI leaders have often cursed resident groups. But like them or not, NMHOA, MHAction and their state affilates are a reality. Better deal with them, or one must find a way to replace their influence with something better.

MH Resident groups matter.

As community owners in numerous states have learned, resident groups can’t be ignored. If they are ignored, it is only at a cost. So, you don’t have to like MHAction or NMHOA to realize they’re a reality that influences bottom-lines literally from coast-to-coast.

But up until recently, who has thought to challenge them in publicly in a debate? Or what about supplanting/replacing them when they won’t see reason on issues that can improve the lives of residents they claim to care about, as well as businesses like yours?

Let’s look at another example, from outside or MHVille. Political parties and candidates.

What government at all levels does or doesn’t do absolutely influences businesses of all sizes. That’s true in and beyond manufactured homes.

So, MHProNews uniquely looks at “News Through the Lens of Manufactured Homes, and Factory-Built Housing.” ©

You ignore politics at the risk of your investments of time, talent, and treasure.

You might have the best product, service, value, and the happiest customers. But government action or inaction on an important issue can strengthen, weaken, speed, slow or destroy your business.

The power to tax, and the power to regulate involve are the power to destroy. That’s based on a Supreme Court justice’s famous statement, shown below. That’s reality.


Like it or not, political parties, resident groups, associations, and media all influence government.  Government in turn sets the rules that can make or break your business.

So, if you want to be successful long-term in business:

1)    you have to go beyond product, service, marketing, sales and technology. You have to be aware of, and hopefully influence those, that influence others.

2)    If you don’t pay attention to those outside factors, others are and will set the rules of the game in ways that will help or harm your business.


Click here or the image above to learn more, which is not connected to this report.

3)    The same is true for homeowners. Whatever the intent of their members, NMHOA and MHAction arguably advocate for things harmful to manufactured home owners and businesses alike. Proving the harm of radical activists by a cogent use of facts, evidence, and reasoning is thus useful to all.  By all, that means the vast majority of MH home owners, as well as to MH businesses of all sizes and types.

4)    The same is true of both major parties. As political independents, we can say there is one thing about the Democratic platform that – on paper – is good for independent businesses. What is it? Their antitrust/anti-monopoly plank could, if used properly, make a difference for small businesses. But we frankly don’t see Democrats using it yet. Republicans – the so-called Grand Old Party or GOP – tends to be more pro-businesses.  But the GOP has for years done, or failed to do, certain things that harm independents of all sizes. But now, at the federal level and in dozens of states, the GOP has a modest edge in the branches of elected government.


To see a sample of our emailed news update, click here. To sign up for the factory-built home industry’s #1 headline news, click here or the graphic above.

5)    Thankfully, under President Donald J. Trump’s leadership, he is addressing issues in the GOP like the border, immigration, regulatory relief, tax cuts, tax reform, attracting more capital, putting solid Constitutionally minded justices on the Supreme Court, protecting religious liberty, job creation, helping wages rise naturally, education, etc. These are all pragmatic.  They are useful to people and businesses alike. Thus, Pro-Trump candidates are thus getting our vote and editorial support.

But the point of this analysis and commentary is this.

You may be the most honest or ethical person in your town. You may have great value and service. But as ELS’ Sam Zell observed, others with no investment in your company or profession others can make, break, minimize or maximize your business, profits, and results.

That’s why on the slowest day of the Labor Day weekend, literally thousands of more professionals were reading and viewing content on MHProNews than any other similar trade resource in our industry. Because we at MHProNews and on MHLivingNews keep our eyes on issues that matter to you, as well as to your present, and potential customers.

Pain, pleasure, persuasion, and honestly sustainable MHVille profits can only be achieved via reality-based action. That requires solid information. Day-by-day, we bring you the MH “Industry News, Tips, and Views Pros Can Use.” ©


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For our Jewish friends and colleagues, happy Rosh.

With no further adieu, let’s look at the headlines, reports, facts, and stories that can help make you navigate business better and more profitably.  Together, let’s look at the issues that can make manufactured homes more available to millions of potential buyers, who should become happy home owners. We’ll start with MHLivingNews, the Masthead, and then do the Daily Business News recaps for last week.

What’s New on MHLivingNews


Affordable Living! Before and After Video, Remodeling a 1972 Mobile Home, Under $5,000

Affordable Living! Before and After Video, Remodeling a 1972 Mobile Home, Under $5,000

What’s New on the Masthead

“How Dare You…!” ELS’ Howard Walker Blast at MH Industry Professional

“How Dare You…!” ELS’ Howard Walker Blast at MH Industry Professional

What’s New on the Daily Business News on MHProNews


Saturday 9.8.2018
Shanah Tovah, Happy Rosh! About Leaping Cultural Barriers, and Where the Buck Stops

Shanah Tovah, Happy Rosh! About Leaping Cultural Barriers, and Where the Buck Stops

Friday 9.7.2018

Former President Barack Obama Says President Trump is “Symptom, Not the Cause,” plus MH Market Updates

Former President Barack Obama Says President Trump is “Symptom, Not the Cause,” plus MH Market Updates

Clayton Homes and 21st Mortgage’s Manufactured Housing “Spies”

Clayton Homes and 21st Mortgage’s Manufactured Housing “Spies”

Manufactured Housing Production Report – After Slow June 2018, July 2018 Increases

Manufactured Housing Production Report – After Slow June 2018, July 2018 Increases

“Growth,” “Fight on to Victory,” “One People, One Family, and One Glorious Nation Under God”

“Growth,” “Fight on to Victory,” “One People, One Family, and One Glorious Nation Under God”


Thursday 9.6.2018

Facebook Recent Big Hit, More Trouble Ahead? Plus, MH Market Updates

Facebook Recent Big Hit, More Trouble Ahead? Plus, MH Market Updates

Hot MHVille Issue, Boils Among Most Americans too

Hot MHVille Issue, Boils Among Most Americans too

“Disastrous,” “Uncompetitive” “Takeover” of “Government Sanctioned Monopoly” Blasted in Congress as Bi-Partisan Fix Unveiled

“Disastrous,” “Uncompetitive” “Takeover” of “Government Sanctioned Monopoly” Blasted in Congress as Bi-Partisan Fix Unveiled

Deaths in MH Communities from Trees Falling, “Get to the Root of It”

Deaths in MH Communities from Trees Falling, “Get to the Root of It”


Wednesday 9.5.2018

Like No Place Else, plus Manufactured Housing, Stocks, Market Updates

Like No Place Else, plus Manufactured Housing, Stocks, Market Updates

8 Questions for Joe Stegmayer, George Allen, Spencer Roane, GSEs, MHI, FHFA, Other Presenters At Indianapolis Roundtable Meeting

8 Questions for Joe Stegmayer, George Allen, Spencer Roane, GSEs, MHI, FHFA, Other Presenters At Indianapolis Roundtable Meeting

MH Communities, Owners, MH Independents Alert – NMHOA and MHAction Next Steps? – Part 1

MH Communities, Owners, MH Independents Alert – NMHOA and MHAction Next Steps? – Part 1

NDAs, Warren Buffett, Richard ‘Dick’ Jennison, Manufactured Housing Institute (MHI), and MHVille

NDAs, Warren Buffett, Richard ‘Dick’ Jennison, Manufactured Housing Institute (MHI), and MHVille


Tuesday, 9.4.2018

Senate Hearings, “High Tech Lynching” plus MH Market Updates

Senate Hearings, “High Tech Lynching” plus MH Market Updates

Blue Collar Worker Attitude, Outlook, Finances – Latest Data, Express-Harris Survey

Blue Collar Worker Attitude, Outlook, Finances – Latest Data, Express-Harris Survey

Main Place in MHVille That’s Cracked the Glass Ceiling?

Main Place in MHVille That’s Cracked the Glass Ceiling?

50 States Ranked by Income, Credit – Manufactured Housing Marketers Data, Cheet Sheet

50 States Ranked by Income, Credit – Manufactured Housing Marketers Data, Cheet Sheet


Monday 9.3.2018

2018’s Hardest-Working States in America, How Does Your State Rank?

2018’s Hardest-Working States in America, How Does Your State Rank?

Manufactured Housing’s Labor Day, Celebrating Those That Do the Work

Manufactured Housing’s Labor Day, Celebrating Those That Do the Work

Manufactured Home Retailers, Communities, Is Your Merchandising Nordstrom’s or Salvation Army? Monday MH Marketing, Sales Meeting

Manufactured Home Retailers, Communities, Is Your Merchandising Nordstrom’s or Salvation Army? Monday MH Marketing, Sales Meeting

Tucker’s “Tech Tyranny,” Luther Lowe-SVP Public Policy@Yelp, Author Scott Clelan, “Should Government Intervene?”

Tucker’s “Tech Tyranny,” Luther Lowe-SVP Public Policy@Yelp, Author Scott Clelan, “Should Government Intervene?”


Sunday 9.2.2018

Biblical “Talents,” Words, Ideas, Evidence, and Practical Impact on Manufactured Housing, Sunday Morning Recap, MHProNews Headlines Aug 26 to Sept 2, 2018

Biblical “Talents,” Words, Ideas, Evidence, and Practical Impact on Manufactured Housing, Sunday Morning Recap, MHProNews Headlines Aug 26 to Sept 2, 2018

We’re a team, a family here. We can’t do it without you, and frankly, thousands of manufactured housing pros need what we do as independent reality checks. Our sponsors make that possible. Thanks to our readers, and to those who make this platform the runaway #1 in the industry. Make sure you keep up to date, and encourage your team members to do the same. ## ## (News, analysis, and commentary.)

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“All the News That’s Fit to Print,” “Democracy Dies in Darkness,” Affordable Housing, MH Reality Checks

August 9th, 2018 Comments off



Wheat and chaff. Take the best information that a source provides, sift out the chaff, and voila! You have useful information.


The headline two quotes above are from the old tag line of the NYTimes, which brought the industry the sensationalistic “The Cold, Hard Lessons of Mobile Home U. The second is the new tag line from the Washington Post, which brought the industry this year another bittersweet report, that opened with the words, “A Once Obscure Office at HUD…”

The industry doesn’t need hyperbole to make its case. What it needs are reality checks, a healthy does of moxie, and the profit motive via honestly sold goods and services.


Click the above to learn more or register for the event, which is unrelated to the article.

Trade journalism is a sister to mainstream journalism, but with a significant difference. The thoughtful trade journalist is arguably trying to tell their industry’s story, in a way that advances the cause of the industry being covered. The trade journalist should know their industry, better than outsiders do.

The new featured articles for August, and latest reports are lnked below. It starts with the special Masthead, as shown.\

FEDs, MHI, Buffett’s Berkshire’s Clayton Homes Moat, Affordable Housing, and Billion$ in Manufactured Home Market Manipulation


Click the above to learn more, which is not connected to this report.


Submit confidential or on-the-record news tips, or comments at this linked email

To get our industry leading email, click here or below.

Our thanks to all who are sending in messages via LinkedIn or other ways, thanking us for our years of pro-Industry reports.  Thanks as well to those who’s sponsorship – visible or invisible – comments, and tips make our work to shed light in dark corners possible.

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Carson’s Recent Address on HUD, Affordable Housing, and the Manufactured Housing Vantagepoint

August 8th, 2018 Comments off


HUDSecBenCarsonHUDAffordableHousingManufacturedHousingVantagepointOfficialHUDCarsonPhotoDailyBusinessNewsMHProNewsIf you listen to the Harvard Joint Center for Housing Studies video below, the outlook for affordable housing sounds bleak.



By contrast, Mark Weiss, in a soon-to-be-released commentary, told MHProNews that “HUD Secretary, Dr. Ben Carson, as the saying goes, “gets it.”


First, and most fundamentally, he understands – and has very plainly stated — that to successfully address and ultimately solve the nation’s affordable housing crisis, which has some 21 million American families spending more than one-third of their household income on housing expenses and 11 million of those spending more than half of their income on housing, it is “vitally important … to develop more affordable housing.”


Official HUD photo provided to MHProNews.

Perhaps the best ‘get’ of the year for MHI are the comments that Secretary Carson made to their last Congress and Expo scheduled in Las Vegas. There, per HUD’s official transcript to MHProNews, Dr. Carson said:

When I originally got the invitation to join you [manufactured housing professionals], “I was quick to say yes. Back when my hair was less gray, when you thought of manufactured homes, you basically thought of a small box, on concrete blocks, with some uninspiring siding or trim. Times have certainly changed.”

It’s a theme that many cited by MHLivingNews or MHProNews have shared.

Let me say straight out, at HUD, it is not about how much money we spread around. We define success not by the amount of money we pour into our programs, but by the number of people we help graduate from our services and become self-sufficient. Only then can we begin to help others in need of our resources.” said Carson, per HUD.

Carson said that at HUD, “we drive for new efficiencies, transparency, and accountability in our large portfolio – or as some would call it, our alphabet soup of programs and services.”

That’s why everyone in this audience and the manufactured housing industry is so important – and that’s why I am here today. You are a big part of the solution to providing unsubsidized, quality, affordable housing.”

That’s a snapshot of why MHARR’s president’s case for Secretary Carson ‘getting it,’ about manufactured housing is hopeful.


HUD and Transparency

Needless to say, there are a variety of audiences that Dr. Carson addresses.

One doesn’t expect Secretary Carson to say the same things, or stress the same points.  But are the broad-brush principles he espouses in synch?

Tonight, against that backdrop, we’ll feature a release from HUD on Sec. Carson’s address to a group in Orlando 2 days ago.


HUD Secretary Ben Carson Delivers Remarks at the
Florida Association of Housing & Redevelopment Officials (FAHRO) Annual Convention

Orlando, FL ~ August 6, 2018

Thank you all for the invitation.


Also, I would like to thank Debbie Johnson, the current President of FAHRO, and William Russell, President and CEO of the Sarasota Housing Authority.


I really appreciate the testimony William gave on behalf of FAHRO, in late April, before the Subcommittee on Housing and Insurance on rent reform. As you’ll hear in a few minutes, we are aligned on all the major issues.


When I got the invitation, I knew I had come to your convention and expo and discover what new programs and policies are in the works for Florida’s 84 housing authorities.


As the local Sarasota Herald-Tribune mentioned in a recent editorial, there is a lot the Secretary of HUD could learn from what Housing officials are doing in Florida, so here I am.


Sarasota Visit


I ought to also mention that I was in Miami just last week – to announce an end to veteran homelessness in Miami-Dade County – and before that, I was in Sarasota with William, handing out free books to children living in public housing as part of HUD’s Book-Rich Environments Initiative. This is a win-win partnership with the National Book Foundation, our public housing authorities, libraries, educational partners, and everyone involved.


I think the children were more excited about the books they were receiving than the ice cream that was also being handed out. That’s a wonderful observation.


Growing up in Detroit, I learned that between the covers of those books we could go anywhere, we could do anything, we could be anyone – books can help you believe in yourself, and with that vision, you can accomplish most anything.


That’s why we are here today, to have a conversation and ultimately move forward on new initiatives to help our residents have a vision of themselves living a life full of many possibilities outside of public housing and realizing their God-given potential.


The question is, how do we accomplish this? And that’s mainly what I would like to discuss with you today – the key goals of our “Making Affordable Housing Work” rent reform proposal, and how it dovetails with FARHO’s action plan on reform.


Rent Reform: Making Common Cause  


It’s no secret that the current rent system is counterproductive. I understand your discouragement and frustration. Every one of us here knows that the current model of public housing is unsustainable, in both dollars and common sense.


Let’s look at three main concerns we both share.


First, the rent system, as it currently exists, perpetuates an economic disincentive to earn more in wages.


Our policies ensure that the more our residents earn, the more rent they have to pay. Where then, is the incentive to work, or to get a better paying job, or have two parents living together and sharing their wages? There isn’t any, I’m afraid to say.


The unintended consequences of the way we calculate the level of assistance – more specifically, how it can hold back the very people we’re supposed to help – must be the central piece of any reform efforts.


Second, it is common knowledge that the current system is unduly difficult.


Is there a tenant, housing authority or policy maker who hasn’t been puzzled by the complexity of our rental model?  Or, extremely troubled by the resources in time and staff, you must allocate to carry out the necessary procedures?


We all know how dense and complicated the system is: public housing agencies, owners, and residents must monitor and record more than several dozen different sources of income – from figuring out future incomes and tax deductions, to recording detailed medical, child, and other mandated information.


It creates a perfect storm of paperwork that is incredibly burdensome and often creates confusion along with errors.  We have discovered that each year, nearly 25 percent of rents charged to HUD-assisted families are miscalculated, resulting in $750 million in improper rent payments.


So, why would we continue a policy that costs us millions of dollars in errors? Any rental reform also needs to tackle head-on this mounting burden as well.


Third, we also find common cause in changing a policy that forces all public housing authorities into a one size-fits-all system, to one that grants greater flexibility – so that those with “boots on the ground,” not Washington, will have increased local control and choice on how best to serve their communities and encourage residents on the road to independence.


Just look at the 39 Moving to Work demonstration programs that provides this flexibility for public housing agencies. It has proven to be so successful that the 2016 Consolidated Appropriations Act expands this program by an additional 100 public housing authorities.


The question remains then, why are we still committed to a policy that gives very little flexibility to local housing agencies that best understand the specialized needs of their residents?


We therefore need to push for policies that encourage choices and grant waivers that allow more innovation and experimentation.


Unstainable Rental System


Most of you know the large number of new applications who file for housing assistance and receive it – only one in four — and the small number who graduate out.


Overall, public housing was originally meant be help vulnerable people take their first step toward self-sufficiency, and not be an end in itself — with families locked into helplessness for generations, relying solely on the federal purse for survival. Though, in rare cases, some agencies do require time limits on staying in federal housing.


That’s why we need to make rental reform a top priority. But I would be remiss if I also didn’t mention the need to encourage more private sector investment in affordable rental units, as well as helping our able-body residents secure better job opportunities – a point I will return to later.


Up Date: Where We Go from Here


Overall, the Administration’s legislative proposal is only the first step on the road to major reform. But even today, we are having an impact on helping define the debate and drawing attention to the pressing need for a change – both in the way we calculate rent and require minimum work requirements for work-able households.


Since our original proposal to increase tenant contributions, both houses of Congress plan to continue to fund our housing assistance programs at historic funding levels, around $1.25 billion — so that decreases for now, the immediate need for any rent increases.


As to where we are, in getting our rent reforms through Congress, Representative Dennis Ross and I had a good discussion recently regarding his draft bill, which contain several of our key suggestions.


Conclusion: Moving Toward Self-sufficiency  


Let me conclude on this note.


For generations, the idea of the government providing housing assistance meant only one thing—helping to pay the rent so families can have a roof over their heads. But we must think also about how we can help families access financial, education, and other opportunities.


In short, we must think beyond investing in bricks and mortar and invest in human capital. In today’s very tight labor market, employers are desperate for workers, and we need to rise to the challenge. The result being a win-win for everyone – with tenants earing more money so they can move out, and the local economy getting the manpower it needs.


That’s why HUD is focusing far more on policies and partnerships with the public and private sector and nonprofit community to further develop the skills and talents of our residents – with the end goal an independent life out of public assistance.


I know you’re familiar with Job Plus, Moving to Work, and Section 3 – in fact, we just kicked off a major conference with all the parties involved to reinvigorate the program.  There is also the launch of our new EnVision Centers, located on or near our public housing developments.


We need to envision a new path forward for our residents — one takes a holistic approach and goes beyond simply providing housing – and these Centers will provide a one-stop shop, for key services in health, education, and job training.


I am certain we can all agree with this approach and ultimate goal.


By working together, we’re going to make these major changes in how our affordable housing system operates, so that it encourages economic advancement and well-being for Florida’s vulnerable families.


FAHRO and HUD make a formidable team and together we will make rent reform happen.


Thank you again for the invitation to join you in Orlando. I look forward to your questions.


— end of HUD’s official Carson transcript —


Taken in Las Vegas, durng the same trip as the MHI event. Who won? 

A fair reading of his statements to FAHRO, mindful of the difference in audience, does reflect a similar desire to lift people from dependence to independence.

With indications that HUD will complete their regulatory review this year of the manufactured housing program, the industry will move from reading tea leave to seeing just what happens on issues such as:

  • Title I, and changing the 10-10 rule,
  • Enhanced preemption being fully implemented,
  • A non-career administrator being appointed,
  • And the other aspects that are required by law under the Manufactured Housing Improvement Act of 2000.

The logic of this statement can be applied to a variety of cases.

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“Thou Shall Not Steal,” $2 Trillion Annually Lost to Lack of Affordable Homes, Making the Manufactured Home Case

August 4th, 2018 Comments off


After years of arguably failed polite talk, perhaps more direct and blunt words are needed.


The logic of research economists Chang-Tai Hsieh and Enrico Moretti is that improper land use policies are costing the nation some $2 trillion dollars a year.


See the Daily Business News report on that topic, at this link here. It includes a download of their research.

The reasoning of National Association of Realtors (NAR) Chief Economist Lawrence Yun is that only more and faster new construction will fix the housing affordability issue.


Collage by MHProNews.

It is this Daily Business News on MHProNews writer’s understanding, Dr. Yun prompted Scholastica ‘Gay’ Cororaton, Certified Business Economist (CBE) to research manufactured homes. Among her 30 pages of reports, charts, and data include the following.



See more of her research, at this link here.


The logic of Trulia’s research, summarized by the data in the graphic below, supports that of the research economists above. Affordable housing has negligible impact on all other housing nearby. Both forms of housing are growing in value, side by side.


The Trulia research reinforces what HUD’s PD&R on manufactured homes (MH) found, that MH appreciated side by side with conventional housing.

But what if that affordable housing are manufactured homes? Do manufactured homes harm property values for neighboring conventional housing?

The university level research that HUD commissioned in their PD&R report preceded the Trulia study. It looked at manufactured homes as infill in cities, right next door to conventional site built, single family homes.

The results?

Housing values of both conventional homes and the manufactured homes appreciated side-by-side.


The research from multiple cities documented that manufactured homes appreciated side-by-side with conventional housing. The findings are similar to what Trulia’s study learned.

The summary of the logic of the third-party researched facts are overwhelming when laid out side-by-side like this.

But the irony is that Harvard’s Joint Center for Housing Studies researcher Eric Belsky came to the conclusion over 16 years ago that manufactured homes where likely to surpass conventional housing in production. No doubt for the kind of reasons Cororaton more recently cited.


At the time Belsky made this prediction, manufactured homes were selling over 250,000 new units per year. This year, MH won’t reach 40 percent of that total. What happened?


Richard Genz did research prior to the statement by Harvard’s Belsky, making the case for manufactured home quality and durability in a study for the Fannie Mae Foundation.


“Why Advocates Need to Rethink Manufactured Home Quality,” Harvard, GSE, Genz, “High Satisfaction”

So what happened?  Why were Genz and Belsky – the obvious logic of their clear view that manufactured homes deserved support and were bound to grow – why were their visions not realized?

How is it possible than when manufactured homes (MH) – by law – must perform dynamically the same as conventional housing in safety, durability and energy savings – and when MH costs less, why aren’t more HUD Code homes being sold?



Fresh Facts, Figures, Future of Affordable Housing -Comparisons- Conventional Site-Built v Mobile/Manufactured Home Industry Data


The simple answer is that a variety of seemingly unrelated forces have been at play.

Those forces included, but where not necessarily limited to:

–   ignorance,

–   prejudice,

–   greed,

–   political and regulatory pressures, fostered by the above,

–   and perhaps a failure to put all these facts back-to-back, to see reality vs. outdated perceptions. Fear and falsehoods were allowed to drive too many people’s thinking.

President Gerald Ford said prior to the HUD Code that the “mobile home” industry would always be necessary. It was market-based affordable homes, that routinely required no taxpayer subsidizes.

U.S. President Praised “The Mobile Home Industry,” Manufactured Homes are “Here to Stay”

Failure to heed that observation caused city after city on “both coasts” and the interior of the U.S. to lose decades of opportunities for more housing affordability.

The upshot?

Growing homelessness, including vehicular homelessness.

“Vehicular Homelessness” Rising, Land Use, and Manufactured Housing Policies


The answer being sought by many among the politically connected is to build more subsidized housing. In fact, for over 50 years, those housing programs have proven to be unable to keep up with the ever rising demand. The Heritage Foundation estimated that those social programs – which included subsidized housing – cost the nation some $22 trillion dollars in 5 decades.

That’s virtually the same amount as the national debt.

Isn’t it lunacy to continue doing more of the same self-evident failures? Why not turn to the proven solution?  Why not use free market driven investments by entrepreneurs vs. tax dollars?



What’s Missing in the Data? Real Harm to Real People

We as a society can’t change what’s happened. But we can learn from it. Perhaps the data needs to be humanized?  Do we need poster children to show what’s happened, and how that’s harmed Americans?

Almost every retailer who has sold a manufactured home direct to the public for at least a year has encountered the following scenario. Often numerous times.

A single, couple or family/household owns or wants to buy a manufactured home for a piece of property. But a local official stops that placement. Isn’t that using the force of law to rob people of the opportunity to own an affordable home?

The non-profit Equal Justice thinks so, and successfully sued a town on that issue. They are now suing another city.

Lawsuit Filed Against City to Defend Manufactured Home Owners Rights, led by Equal Justice Non-Profit

What does that process of denying Americans affordable housing actually cost such persons or families?

More personal wealth.  Keep in mind that HUD Secretary Carson spent some time in 2017 telling people that home owners had an average net worth of some $200,000, while the average renting household only has $5000 net worth.

The logic of Florida Atlantic University (FAU) Professor Kenneth Johnson’s research indicates that manufactured home ownership may yield the most wealth for a household. The lower the cost of the housing, for a disciplined saver/investor, the greater the potential for other investments, thus increasing personal wealth.


FAU’s Ken Johnson made an eye opening point that applies to manufactured homes in terms of the ability for manufactured homes to help build more personal wealth

The Government Accountability Office (GAO) and Cororaton’s research both demonstrated that manufactured homes are the lowest cost form of permanent housing. Less than rent, and even when higher rates and shorter loan terms, manufactured homes dramatically lower price yields the lowest monthly payments.


But we can put a face, a family, to this snapshot.

The Rev. Donald Tye, Jr. said that their affordable pre-HUD Code factory-built home made it possible for he and his wife to do things for their family they could not have done any other way.  Tye told MHProNews that planners are missing out on the many social and economic benefits that affordable home ownership provides.


He also addressed the lost tax benefits, as well as the prejudice against manufactured homes, and the misuse of terminology like this.


Tye explained that public housing – an entitlement – often yields addiction. Ownership vs. renting or living in “projects” leads to integrity, a view he likens to those of Dr. Martin Luther King, Jr.


Mark Weiss, JD, weighed in on that same point, saying the the use of the t-word is offensive to millions.


A poet who sold her conventional housing to buy a manufactured home was shocked at the prejudice generated by others.

Taking on the Trash Talk! Are People Defined by their Housing Choice? Video, Photos

There are letters-after-letters, stories-after-stories that have a similar refrain.  Here’s a pair of others.

“Home Sweet Home” – Assistant Mayor Wants to End Housing Choice Stigma

Trade Publisher, Experts call for Respect, Understanding for Manufactured Housing, Manufactured Home Owners

Part of what should have been learned in recent decades is that there is a huge cost to taking opportunities from others. That arguably becomes a form of theft.  Thus the commandment that most faiths believe to be true – “thou shall not steal” – reasonably applies.

It includes mobile and manufactured home community owners who in various jurisdictions are increasingly being told that they can’t replace an older home with a new one. What?

“Unconstitutional Taking,” “Gentrification on Trial” in Recent Oak Hill Manufactured Home Community Ruling

A state supreme court ruling in one case was described by an attorney as an “unconstitutional taking.” That community owner won. But how much time and effort did it cost that community owner to be allowed to use their own land as a place where affordable home ownership can occur for families?  Those legal costs have to be passed onto others, those who live in those affordable manufactured homes.

Time and again – however well intended the local policies may be – the net result is that it is costing millions opportunities for more affordable home ownership.


The High Cost of Ignorance and Prejudice

This writer told a group of business professionals last year in Deadwood that manufactured homes were the civil rights issue of our times. That message was applauded by those who know first-hand how difficult it can be to sell a manufactured home, and get it safely installed on an appropriate permanent site and foundation.



Tony Kovach doing a presentation in a packed room of industry professionals.  The essence of the talk was the importance of educating people locally about the truths regarding modern manufactured homes.

The logic of these facts is this.

$2 trillion dollars a year is lost in GDP – that’s the cost of ignorance and prejudice against manufactured homes in America.  Take 326 million Americans, divide it into $2 trillion dollars lost annually, and that’s like $6,134.97 per man, woman and child.

For a family of four, that’s $24,539.88 in lost U.S. GDP.

It’s an avoidable loss, and can be fixed by a proper understanding coupled with the application of existing laws, as you will see below.


Terminology Matters

People wrongly believe the terminology for factory built homes is optional. It’s not. The correct terminology is a matter of law – the code which a home was built to meet.


After more than fifty years of short-sighted and prejudiced thinking, it’s decades past the time that modern manufactured homes be seen for what they are.  It’s time to stop cherry-picking exceptional tales, and to look at the broad facts.


To see the report on tornadoes and manufactured homes, click here.


Manufactured homes are the solution for the affordable housing crisis that’s hiding in plain sight. It must be noted that modular and other forms of factory home building can all perform a vital part of the solution to America’s costly affordable housing crisis.

But because of the genius of the HUD Code, setting national standards with regional requirements, much of the harm caused by local regulators is avoided with manufactured homes.


Every photo above is a manufactured home.  For newcomers to the website not familiar with modern manufactured homes, learn more by clicking the image above or the link here..


Solutions? Parallel Path One

The former chairman of the Manufactured Housing Institute (MHI), Tim Williams, President and CEO of Berkshire Hathaway owned 21st Mortgage, said the following.

People cited in this column today might later say something different, perhaps because they may (errantly) believe that money tempts them to do so.  Some back off due to other pressures.

But they can’t unring the bell on what they’ve already said.

A consistent theme of MHProNews and MHLivingNews for years has been the need to honestly and sustainably grow the industry. We have never advocated, for example, for the kind of poor lending practices that led to the post-1998 nosedive of manufactured home sales.

Education – sound information are a key step.  21st’s Williams was right, and so was Frank Rolfe, who said that the media must be engaged with the truth when errant information crops up.



Solution – Parallel Path 2 – The Logic of Sound, Sustainable Lending

Lenders are protected when home values are protected.

Home values are protected and enhanced by demand and sound lending.

Sound and profitable lending is good for business, good for people, and good for the economy.

Good information – vs. prejudice or short-sighted thinking for whatever motivations – is how bigoted influences are pushed out.  This is how information and sound lending, parallel paths, can support each other, as a train running on a track is supported by parallel rails.


Manufactured Housing Appreciation?

The Urban Institute, and the National Association of Realtors ® have both reported what MHProNews and MHLivingNews has said for years. Manufactured homes can and do appreciate. But why are there times that they don’t rise in value?

First, all housing rises and falls in value for much the same reasons.

I’m not speaking for ‘Gay’ Cororaton when I share my take on a conversation this writer and she had a few weeks ago. I asked her about the economic logic of the following

Home appreciation is fueled by the following factors.

  • Location,
  • Condition of the home (maintenance, appearance),
  • Demand for housing,
  • Local economic factors (wages, employment opportunities, etc.), and
  • the availability of reasonable lending. Other points could be mentioned too, but those are key ones.

So, if any of those factors are reduced or eliminated, then the value would be lessened. Think about conventional housing post 2008, lending dried up, housing dropped in value.

My understanding was that she agreed with those principles.  My hunch is most objective thinkers and economists would too.

That being so, consider this.

Because manufactured homes have had lending options artificially reduced due to the absence of robust support from the Government Sponsored Enterprises (GSE) of Fannie Mae and Freddie Mac, then to some degree, that will influence resale values. Again, my understanding was that she agreed with that premise.

Two Great Laws Already on the Books NOW,  Can Unlock Billion$ Annually for Manufactured Housing Industry Businesse$, Investor$

In our comments letter to HUD, we stressed that since the GSEs were arguably not doing their job, that FHA could step up to the plate, as should VA and USDA (Rural Housing) loans.

Now, let’s rephrase that to make the following point.

For decades, the GSEs have resisted lending on manufactured homes. Fannie Mae’s highly touted MH Advantage is arguably another artful dodge, as it forces manufactured home builders to meet additional criteria beyond what the HUD Code mandates.


“Take the MH Advantage Challenge – Can You Tell the Difference?” Fisk of Sarah Edelman, Director of Duty to Serve, Single-Family Mortgage Business for Fannie Mae

Who worked with Fannie Mae on that MH Advantage program? Our sources say, past and current members of the Manufactured Housing Institute (MHI).

Why would MHI argue for a so-called “new class” of manufactured homes – where there is no data or track record – when there is decades of data and track record that proves the value of millions of units of HUD Code manufactured homes?


Collage by MHProNews.

That was the logic of Mark Weiss, JD, President and CEO of the Manufactured Housing Association for Regulatory Reform.

Rephrased, who benefits, and who is harmed by this questionable ploy between MHI and the GSEs?

Hold that thought for latter.

Because the bottom line is this. Manufactured homes have proven their value. Their value would logically be enhanced, given a proper understanding of their safety, quality and durability.


Two Types of HUD Code Manufactured Homes?

This writer has told people for years that there are broadly speaking, entry level manufactured homes, and residential style manufactured homes.  Both styles must meet the safety, energy and construction standards set forth by federal law under HUD and the DOE.

When you go shopping for a vehicle, there’s a wide array of sizes and styles to select from.  There are entry level cars, mid-range, and luxury ones too. That can be said about cell phones vs. smart phones, RVs, laptops, or most any product one cares to consider.

So, with manufactured homes, it is similar. If all you’ve seen are entry level manufactured homes, then you need to see a residential style one.


One must stress that any and all manufactured homes must all meet HUD’s safety, energy, and durability standards. From the least costly, all manufactured homes (MH) get consumer protection not found in conventional housing that costs many times the price. It was the MH industry that fought for that legislation – MHARR MHI, and states like Texas too – as part of the Manufactured Housing Improvement Act (MHIA) of 2000.


Credits are as shown, collage by

But another key part of the MHIA of 2000 was enhanced preemption. That enhanced preemption is the key to unlocking $2 Trillion dollars a year in increased GDP for the U.S. This needs 5 stars next to this point.

Put differently, there is no need to wait for local jurisdictions across the land to get a backbone, or learn the truth the obliterates their ignorance, prejudices, sweetheart deals to favored developers, etc.

All that’s needed is for HUD to enforce existing law.  Enhanced preemption for manufactured homes is already the law of the land.

Let’s say that again for emphasis. All that’s needed is for HUD to enforce existing law.  Because the MHIA of 2000 preemption protects the rights of everyday Americans to buy and safely install a manufactured home on any buildable property.

We don’t need decades of battles, or more studies. The logic and the realities have been hiding in plain sight for years.


The Urban Institute’s Vital 2018 Question

Urban Institute researchers in a January 2018 report came to some similar points about manufactured homes, appreciation, and related. They asked a key question. Why aren’t more manufactured homes being sold, when they are a proven part of the solution to the affordable housing crisis?  Here’s how they phrased it, in the caption above “We Follow the Money.”


What they didn’t say was as important as what they did say.

One researcher was Edward Golding, who used to work for HUD. That wasn’t disclosed in their report. Golding had Pam Danner, JD, periodically report to him. Danner was the Administrator for what the Washington Post called the “once obscure” Office of Manufactured Housing Programs (OMHP).

Greener, Stylish Manufactured Homes – Hidden Facts in the Washington Post Manufactured Housing Narrative

Which begs this question. Why didn’t Golding and others at the Urban Institute mention enhanced preemption in their reporting on manufactured homes?

After all, zoning, economic prejudice, and enhanced preemption all intersect.

When manufactured home businesses and state association executives from coast to coast say that zoning/land use/placement are key issues, how could Golding or the Urban Institute fail to mention enhanced preemption?

Hold that thought. Because another undisclosed fact was the connection of Warren Buffett as a lifetime trustee for the Urban Institute. It’s mentioned on the big Urban Institute site, if you got hunting for it. But there was no disclosure on the article that Golding and his fellow researchers published on the topic.


Urban Institute Ask for Correction in Analysis of their Manufactured Housing Research, “Follow the Facts,” “Follow the Money”

Nor did the Urban Institute mention that the Manufactured Housing Institute (MHI) helped forge their paper. A source at the Urban Institute told us that “anonymity” was promised to MHI and Clayton, for their role in crafting their report.


Since when do non-profits and university level style researchers not state their sources? Since when are possible conflicts-of-interests not disclosed by nonprofits or researchers in publishing their findings?


Smoking Guns…?

Eric Belsky made another statement about housing that very much applies to the question the Urban Institute asked.


It’s a statement that most every manufactured home retail or community professional who experienced the slide from 1998 to 2008 know all too well. For more on Belksy, and MH, click here.


Let’s go back to what Belsky and Genz said over 15 years ago. Belsky expected manufactured homes to advance, so did Genz.

Why didn’t they?

Short answer, lending was choked off. Absent enough lending to supports home sales, there will be fewer manufactured homes sold. Duh, right?


Kenny Lipschutz, Home First Certified Communities.

Absent a level playing field on lending or resales, manufactured homes are placed at a disadvantage in resale values.

Another issue is appraisals. Thousands of appraisers misunderstand manufactured homes. But that too is and educational issue, noted here as a placeholder.

So, we see the need for factual, evidenced and reason-based thinking about manufactured homes. Among the best-informed investors is arguably Warren Buffett. He reads and reads, per his own statements, and that of others who know him.

So why did Belsky miss his projection about manufactured housing achieving dominance in production over conventional builders by 2010? Arguably, the short answer is that Belsky did not count on Warren Buffett entering the industry in 2003. Belsky didn’t count on what Berkshire Hathaway did, as they began to deploy the Buffett strategic “Moat.”


Who speaks of “the moat?” Warren Buffett explains his principles of “the Moat” in a video on the page linked below. So does Kevin Clayton, in a separate video also found below.  Clayton says in his own words in that video that “Warren” stresses widening “the Moat” against competitors on a routine basis.


Best Warren Buffett, Kevin Clayton, Clayton Homes, Berkshire Hathaway Annual Meeting, Competition, and “the Moat” Video Collection


The Truth is Not Political

We believe that truth is apolitical, but political officials may use – misuse, ignore, or abuse – the truth.

A closer look at the problem of why there is not more manufactured housing being sold can be summed up by the notion of the impact of failure to educate, and monopolistic practices. Who says?

GuruFocus and the Seattle Times.


Seattle Times -Federal Investigations-Berkshire Hathaway’s Clayton Homes, GuruFocus Spotlights Buffett’s Clayton’s “Unethical,” Monopolistic Moat.


Progressive “Nation” Reports on Monopolies Cites Buffett, Clayton, Others – MH Industry Impact?

And the evidence that manufactured housing’s ascendancy was derailed by forces within the industry is found in part with documents and quotes from Berkshire owned 21st Mortgage, Warren Buffett’s own words, and Berkshire dominated MHI’s own chart.

Smoking Gun 3 – Warren Buffett, Kevin Clayton, Clayton Homes, 21st Mortgage Corp Tim Williams – Manufactured Home Lending, Sales Grab?

Thousands lost their businesses, and millions arguably lost the opportunities to benefit from manufactured home ownership. It’s cost taxpayers a fortune, that can be measured in the trillions of dollars in losses to the GDP, and avoidable costs to federal taxpayers.

How Many MH Independents, Retailers Have Been Lost Recently? “They Think They Own Us”


The Problem of the One Percent

We won’t hype the issue of the 1 percent, nor understate it.

What this will propose that may be unique is a free enterprise solution to the problem of the one percent. It’s this. De facto monopolistic forces are at work in manufactured housing, and in other parts of the economy, such as the tech giants.  Apply the logic of the NY Stern professor to manufactured housing, and it is just as apt as it is when applied to the world of the tech giants.

We’ll let Professor Scott Galloway make his case in tech.


“Winners and Losers,” L2 Founder, Prof Scott Galloway on Monopolies

But for those who believe that monopolistic forces harm Americans, we can point to voices as politically separated as Senator Ted Cruz and Congresswoman Maxine Waters.

If we start listening to the factual points – vs. the opinions or spin – of what others are saying, those facts can lead someone to the root issues.  Facts are what is.  Opinions and interpretations are a dime a dozen.

The opportunity to use evidence, facts, and objective reasoning to discover the underlying causes – and thus the cures – of the affordable housing crisis is possible.  Keep in mind, that sooner or later, monopolies arguably harm workers and consumers.


Does Monopoly Power Impact Workers’ Stagnant Wages? MH Industry Impact$


The irony may be this. Aren’t even monopolists harmed by what they create?  Think about that $2 trillion a year in lost GDP.

Regardless, society as a whole is harmed, and that is why anti-trust laws exist.

Lawsuits for Triple Damages – Anti-Trust, Anti-Monopoly Law, Manufactured Housing, and You


The Fix is Applying Existing Laws

There is no need for years of delays in hearings or more studies.

Antitrust laws debatably need to be applied to Berkshire Hathaway, and to all others in business who’ve become invasive, as Galloway said.

The Smoking Gun 3 documents, facts and related quotes from officials who are part of Berkshire speak for themselves.  It would be difficult for them to unsay, what they’ve already said that arguably proves they are monopolistic.

MHI and Berkshire Hathaway has been given repeated opportunities to respond to any of these concerns.  Rather than respond, instead of debating the merits or misses in this reading of the facts, they’ve tried a variety of other tactics.  But if they could easily disprove this, why haven’t they?  Those from Berkshire brands who once praised us, now sit in silence as we publish reports like this one. Why?


Part of several messages for publication by Tim Williams to MHProNews. MHI’s president praised us for some years to, as this mirthful short demonstrates. 

MHI should be scrutinized for fostering the conditions that allowed manufactured housing to be derailed from what Belsky thought was a bright future. Some who see the problems outlined herein hold out hope that MHI can be redeemed. This writer – based upon sources, evidence and past history – believes that people can change, but that said, the evidence is that MHI’s leadership isn’t changing.  Thus, they need to be exposed, and supplanted with something entirely new.

MHARR does its job, but an MHI award winner says that MHI works only for the “the big boys.”


MHProNews looks at the facts, considers the sources, and follows the evidence. MHI earlier last year, and for years before, MHI routinely replied promptly to all inquiries. But since we’ve spotlighted the problems and concerns, they’ve gone silent. Why? If the facts are on their side, why not make offer a cogent explanation?


I’ve said for years that pretty pictures alone are not enough to convince people of the truth about manufactured homes, and what it can do to transform for the better millions of lives.


Education is the answer. Refuting false claims must be part of that educational process.  People aer entitled to their opinions, but not to their own facts.

Understanding the issues are can help avoidable for others the tragedies caused by ignorance, greed and the evidenced based factors alleged herein. Millions of Americans have been robbed of what they could have had, instead of subsidized housing, or a life of rental, give people the information and opportunity to increase their personal wealth through affordable home ownership.

There are numerous voices that have blasted MHI’s hypocrisy. The one above is just one of many.

It’s time for the disinfectant of sunlight to cure what decades of ignorance, private agendas, monopolistic forces, and prejudice has caused.

‘Tip of Iceberg’ – Rick Rand; Marty Lavin, Communities have ‘No Confidence’ in Manufactured Housing Institute, New National Trade Group Announced

It’s time for the truth that’s been hiding in plain sight.

The reward is $2 trillion dollars in enhanced GDP annually, just by applying existing law.

The reward is that affordable home ownership could would do for millions of all colors and creeds.

Let’s stop robbing people of the possibility of a brighter future.  That theft has debatably occurred by misusing government and economic power.

Rather, lets allow existing laws to go to work, so that Americans select the home of their dreams, wherever they have a buildable home-site. More can be learned from the links from this article, but that’s enough said for today. “We Provide, You Decide.” ## (News, analysis, and commentary.)

(Third-party images and content are provided under fair use guidelines.)

FactoryBuiltCarsClothingAppliancesElectronicsCellsSmartPhonesHomesItJustFollowsLATonyKovachC2017MHproNewsBy L.A. “Tony” Kovach – Masthead commentary, for

Tony is the multiple award-winning managing member of LifeStyle Factory Homes, LLC, the parent company to MHProNews, and

Office 863-213-4090 |Connect on LinkedIn:

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Related References:

Movie Mogul Rupert Wyatt and Screenwriter Erica Beeney’s Magnificent Manufactured Home

Affordable Housing Focus Group – Comparing Housing Options – Conventional Houses, Condo, Rentals, and Manufactured Homes – Up for Growth, National Association of Realtor, Studies

Fresh Facts, Figures, Future of Affordable Housing -Comparisons- Conventional Site-Built v Mobile/Manufactured Home Industry Data

August 2nd, 2018 Comments off


AveragePriceNewConvSiteBuiltHousesCompareManufacturedHomesFeb2018USCensusBureauDailyBusinessNewsMHProNEwsOne of the most serious issues in America is the affordable housing crisis.


It should be noted that affordable housing is a non-partisan issue.


From the Realtor University report available below as a download.

People most commonly live in apartments, other forms of rental housing, and other types of homes.


Housing affordability – or the lack of it – is driven by several factors.  Land cost obviously varies by market and location.  Land use is another issue for a separate report.

Those hundreds of millions may be Democrats, Republicans, Independents, or any other political or apolitical view.

The point?


From the July 2018 update of the Realtor University report available below as a download.

Housing is non-partisan, even though there may be partisan views about it. Politicos or policy advocates routinely have a position on housing issues, perhaps because they recognize that the needs are large and growing.

How great are the needs for affordable homes in the summer of 2018?

They are summed up by Lawrence Yun, Ph.D., Chief Economist at the National Association of Realtors ® as is shown below.


Collage by MHProNews.


The number of articles and reports to date in 2018 that are favorably reporting on manufactured homes as an important part of the solution for the affordable housing crisis seems to be rising.



While the thrust of these third-party reports have routinely been positive, an all too common facet has been misinformation on some data or terminology point.

Thus this post will be a data and evidence based effort to provide a rapid reference for third parties looking for more accurate information. Third party sources are as shown.


Land cost varies by market and location. About 1 in 3 Manufactured homes, per NAR data, are being placed in land-lease communities, so about 2 out of 3 are going onto privately owned properties. Why are sales so low, when the data is so favorable?  See the comment from an industry professional, further below, plus the linked related reports at the bottom of this post.

The manufactured home industry bears some responsibility for the confusion.  The following sourced information, often using data from the National Association of Realtors ® (NAR), Census Bureau, HUD, IBTS, Manufactured Housing Association for Regulatory Reform (MHARR), MHU, or other sources as noted.


Properly Defining Mobile Homes, and Manufactured Home

The National Association of Realtors Journal of the Center for Real Estate Studies did a fact-based report entitled “The Market for Manufactured Homes” by Scholastica ‘Gay’ D. Cororaton, CBE, Research Economist, National Association of REALTORS®.


Cororaton’s research had some revisions in July 2018 – linked as a download, here – as was a related post on Realtor University’s blog entitled “Making the Case for Manufactured Homes.”  Their report on manufactured homes starts on page 48.


Insightful data, per NAR. From the July 2018 update of the Realtor University report available below as a download.


The National Manufactured Housing Construction and Safety Standards

National Manufactured Home Construction and Safety Standards Act as: “A manufactured home means a structure, transportable in one or more sections, which in the traveling mode is 8 body feet or more in width or 40 body feet or more in length or which when erected on-site is 320 or more square feet, and which is built on a permanent chassis and designed to be used as a dwelling with or without a permanent foundation when connected to the required utilities, and includes the plumbing, heating, air-conditioning, and electrical systems contained in the structure.”


Red arrow, blue text by MHProNews. Data from the Realtor University report available below as a download.


The Department of Housing and Urban Development are the primary federal regulator, and so the standards are often called the HUD Code for manufactured housing.  One simple way to identify a HUD Code manufactured home is if the home bears a HUD label, see photo below.



The terminology matters because
the terminology determines the
construction standards a home was
built to,” per Steve Duke, JD, LMHA.


You must meet people where they are. Terminology must be taught and caught. Make a habit of using the correct terminology.

The HUD Code standards went into effect on June 15, 1976.  So, homes built before that date can properly be called a mobile home.

The Manufactured Housing Institute (MHI) has been notified (again) about information that they’ve published in downloads, advertorials, and on their website that is a mix of accurate and inaccurate information.

They were advised that MHI members and others were included in a BCC addressed to the MHI Executive Committee, plus many on the MHI staff.

The NAR is among other trade associations that have been notified of the ongoing mix of data errors by MHI, which as noted, is a mix of good, bad and meh information coming from the Arlington, VA based trade group.


From the July 2018 update of the Realtor University report available below as a download.


Among the responses to the message to MHI and others?

Well put, Tony [Kovach, MHProNews publisher].   Thanks for the bcc, too.

STILL seems to be a void in the ether when it comes to a nationwide pro-MH body to represent our industry, not just certain players therein. I won’t beat the dead horse about BH/CMH other than to say they are at least 80% at cause for the lack of accurate information going out to the public, and IMHO, it’s for the purpose of their moat.  

Glad to see that there are still folks who can see the benefits a financially healthy & industry hearty organization could bring to us as a whole.  There are SO MANY fronts that need to be addressed that it would require a full-time devotion to them, something that business owners seem to be reluctant to do, for whatever (and valid) reasons…” This was part of a longer message from a well known industry professional.


There are a growing number of industry voices that believe that BH/CMH and MHI have by various action/inaction has kept manufactured home sales at historically low levels. Evidence? See Related Reports and videos, linked below, which quotes and cites BH, MHI, CMH, 21st Mortgage Corp, and other sources.


This article may be updated, if MHI makes corrections, and does as NAR thoughtfully did – provide the appropriate credits for the sources of the correction of prior errors.  MHI’s leadership will be advised of this article, but frankly, its unnecessary.

Unnecessary, why?


Part of several messages for publication by Tim Williams to MHProNews.

Because as Tim Williams said – and it is still true – MHI members, leadership, and senior staff are among the routine readers of MHProNews.

Our latest 3rd party metrics reflect that our site traffic has more than doubled since Sept 2017.  Our sincere thanks to our readers, and all of those who make this site’s fact checks and reports possible. NOTE: as of this date, none of the linked reports have been publicly disputed by sources from BH, CMH or MHI.  “We Provide, You Decide.” © ## (News, analysis, and commentary.)

(Third-party images and content are provided under fair use guidelines.) See Related Reports, linked further below.


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Greener, Stylish Manufactured Homes – Hidden Facts in the Washington Post Manufactured Housing Narrative


New Home Sales Fall to 8-Month Low in June, Data Signals Trouble – or Opportunity in Disguise for Manufactured Housing?

Two Great Laws Already on the Books NOW,  Can Unlock Billion$ Annually for Manufactured Housing Industry Businesse$, Investor$

Race, Equal Opportunities, Affordable Housing, CNN’s Lydia DePillis, and the Dinesh D’Szouza Reality Check