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City Ponders “Mobile Housing Units,” to Address “Affordable Housing Shortage,” Citizen Reaction

June 13th, 2019 Comments off
CityPondersMobileHousingUnitsAddressAffordableHousingShortageCitizenReactionManufacturedHousingMHProNews

Photo of manufactured home from the same city, posted on a local real estate MLS.

Union Springs is located in Alabama. According to Wikipedia, Union Springs is a city in and county seat of Bullock County, Alabama, United States. The population was 3,980 at the 2010 census.”  The population, per at least two online sources, appears to be trending down. “Total Population: 3,785,” in 2018, per Suburban Stats. 

 

 

The Census Reporter estimates the town at 3640.

Google maps says it is about a 50-minute drive into Montgomery, AL, which is 45 miles away by the more direct route.

 

UnionSpringsALMapMontgomeryALDailyBusinessNewsMHProNews

 

Alabama is one of the top 10 states in the U.S. for the production and sales of new manufactured homes.

Bearing those points in mind as a brief introduction, let’s dive into a letter to the editor of the Union Springs Herald, found at this link here and reproduced below.  A collage of their header is reproduced, along with the letter, under fair use guidelines for media.  It will be followed by commentary and analysis.

 

UnionSpringsHeraldDailyBusinessNewsMobileManufacturedHomesMHProNews2019-06-13_0902

Dear Editor:

I recently attended a public hearing assembly held by the Union Springs planning commission and I was dismayed by the number of requests to install mobile housing units within the city limits. Union Springs has an affordable housing shortage and providing a means to relieve this problem is needed. However, it seems as if these mobile units will be squeezed into any available space with little regard to the impact they will have on their neighbors. One proposal was to bring in a minimum of four to six mobile units on 5 acres of land on Industrial Park Rd. This sounds like someone is interested in building a trailer park.

There are other remedies that can be used to relieve our housing issues. Many of the vacant buildings in our downtown would be perfect as condominiums with retail space on the ground level. Centrally located to the major thoroughfares, this would be quite attractive to young singles or newly married couples who cannot afford to live in Pike Road.

An effort to build two or three-bedroom single family homes would also attract families with children or elderly parents for the same reasons.

One indicator of neighborhood stability and viability is the number of owner-occupied homes in the area. If the City of Union Springs wants to attract high paying jobs and reduce the number of residents who move out looking for modern homes and conveniences, then we need to encourage building single family homes vs. mobile homes.

When I use our highways to travel to the surrounding cities, I am awed by the newly built homes that dot the countryside. Let us not limit ourselves to a vision of who we will be in the future by who we are now. If someone can afford to rent, they can afford to buy. There are many programs which will educate and assist renters into becoming buyers.

Finally, let us consider the age and code requirements of these proposed mobile units before granting approval. Do these older units meet the current standards of insurability? Changes to existing structures must meet current building standards; the same should be required for new mobile units.

Darlene McGaw

 

CherylMcGawJoinsHousingCommissionUnionSpringsHeraldManufacturedHOusingMHProNews

 

In the same newspaper last year, I am a Highly Qualified History teacher,” in announcing her campaign for the Plainfield Board of Education, “I am Darlene McGawasking for your prayers, support and your vote on June 05, 2018.” The Union Herald also said that she has a “B.A. in Psychology.” A LinkedIn profile reflects that “Cheryl Darlene McGaw is a Teacher at Plainfield Board of Education.”

Safe to say that she is an intelligent, educated woman who had the confidence to run for public office and to speak her mind openly on civic issues. She has apparently earned a significant level of public confidence.

One might wonder, why hasn’t the Manufactured Housing Institute (MHI), or the state association responded to this letter to the editor?

We waited about 19 hours, nothing.  Yet, MHI has a full-time public relations person.

In another letter to the editor in Buffalo, New York that MHProNews did a detailed analysis on yesterday, has since had one posted response as of this morning. The letter and a video with others that feel similarly is found at this link here, or by clicking the text-image box below.

 

Ongoing MH Headwinds – Angry Manufactured Home Residents, Understanding the Manufactured Housing Industry Dilemma Through Their Eyes

 

Here below is the lone posted comment to that recent letter and prior video commentary by Gail Travers. The typos that follow are in the original. Reminder to new readers, often MHProNews takes direct quotes and turns the text bold and brown to make it pop, but otherwise does not change the words quoted.

 

Linda Tower
keep fighting to keep scum like these peple under control we wanted to buy there but because of the situation with this company there we changed our minds i feel so bad for the residents there i hope N.Y. will do the right thing and give these folks a worry free nights sleep and place heavey restrictions on these investors rather fron out of town or here if the folks there dont win this battle where would many of them go its shameful

 

In fairness to the ‘Linda Tower,’ there are times that comments posted by smart phone can result in some ‘fat finger’ errors. That noted, Tower’s comments, Travers’ and that of Ms. McGaw are indicative of the way that much of the public reacts to manufactured housing.  It helps explains why the Zillow research below reflects the point that only 8 percent of housing seekers even admit to considering a manufactured home.

Zillow2016HomeBuyersSurveyManufacturedHousingIndustryDailyBusinessNewsMHProNews

Only 8 percent of housing shoppers considered a mobile or manufactured home, and many of those did not buy one. That’s both a challenge, but also an opportunity in disguise for those who have a sales and marketing system that deals with that reality.

 

Thousands of manufactured home professionals know better. But let’s be candid. There are also scores who work in our industry that believe similarly. The level of true ‘education’ in the industry is pitiable.

These kinds of public comments – or industry realities, in numbers of cases – are educational and public relations issue, not just a marketing challenge. That’s why speeches and addresses like HUD Secretary Carson’s, prior HUD Secretary Julian Castro’s comments are useful.  But only to the degree that they are made know.

 

 

Last week, in under 400 words, the case was made that “Enhanced Preemption” must be a mantra of HUD and MHI.  It has already been promoted for years by MHARR, and our publications.  See the report, via the linked text-image box below.

 

Manufactured Housing Professionals, HUD Secretary Ben Carson, Must Promote These Two Words

 

The proper application of “enhanced preemption” would make local opposition moot. The combination of enhanced preemption and articles like the one below would ease the fear that so many fear that property values will be diminished. HUD and other third party research demonstrates that is not the case.

 

FearASolutionToAffordableHousingCrisisAndManufacturedHousingDilemmaManufacturedHomeLivingNews600x315a

The article cites numerous third party research that debunks several concerns that McGaw and millions of others have been led to mistakenly believe. https://www.manufacturedhomelivingnews.com/fear-a-solution-to-the-affordable-housing-crisis-and-the-manufactured-home-dilemma/

 

Union Springs isn’t Seattle or Los Angeles. But which is worse?  Tents or people living in cardboard boxes living outside of your housing unit? Or is it to have a properly installed manufactured home next door? Which will help or harm housing value more?

 

 

There has been reams of nonprofit and university level research for over 2 decades to debunk the vast majority of the public’s concerns, based upon facts, third party research, unpaid expert or home owners statements. Why is so little or none of it on MHI’s website? Why is it that some that MHI promoted before is now missing?

 

TerryDecioSkylineChampionHomesPhotoQuoteImTiredofManufacturedHousingbeingBestKeptSecretReadyHelpHouseAmericaDailyBusinessNewsMHProNews

EricBelksyManufacturedHousingIndustryManufacuredHomeManufacturedHousingInstituteResearchDataAffordbleHousingMHProNewsDailyBuisnessNews575

Why did Belsky miss his predicted date? See that ‘smoking gun’ report, linked here. See too what the John Oliver video background research revealed

 

More. on these and other industry focused topics soon. See the related reports for more.

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

 

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To report a news tip, click the image above or send an email to iReportMHNewsTips@mhmsm.com – To help us spot your message in our volume of email, please put the words NEWS TIP or Comments or Letter to Editor in the subject line.

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SoheylaKovachDailyBusinessNewsMHProNewsMHLivingNewsSubmitted by Soheyla Kovach to the Daily Business News for MHProNews.com. Soheyla is a managing member of LifeStyle Factory Homes, LLC, the parent company to MHProNews, and MHLivingNews.com.

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Pushing Back Against NIMBYism, HUD Secretary Ben Carson, NAHB Innovative Housing Showcase, Schedule

FHFA’s Mark Calabria, Ph.D., Address at HUD, NAHB’s Innovative Housing Showcase

Positive Congressional Reactions – Innovative Housing Showcase, HUD, MHEC, MHI, and Other Insights

Joe Stegmayer, Cavco Industries, MHI Chairman, Insights from Innovative Housing Showcase

 

 

Dramatic, But Misleading? Manufactured Home Marketers Eye-View of Recent Tornado Deaths in Oklahoma, Alabama

May 27th, 2019 Comments off

 

DramaticMisleadingManufacturedHomeMarketersEyeViewRecentTornadoDeathsOklahomaALMHProNews

Still from ABC News video, further below.

The manufactured home industry will arguably not achieve its potential until education becomes a core element of the industry’s ‘marketing.’

 

This column won’t go into the de facto challenges caused by a lack of proper engagement from the industry’s post production sector with the mainstream media to debunk misconceptions, other than to link to a summary report on that topic from earlier today.

There are a variety of marketing and sales methods, which yield a range of results. They are utilized because someone thinks them worthwhile, and likely believes that it is producing enough business to meet their goals and desires.

This report will spotlight an issue that live audiences from the east to west, from north to south have told our publisher is one of the biggest fears that cause someone from buying a manufactured home.  It’s fear of storm-related deaths.

 

 

Indeed, if you watch reports like the one above, and here comments like a ‘mobile home park was leveled,’ it makes the public’s concern understandable.

Which is why one report every so many years by MHI isn’t enough.

What’s worse is our follow up on reports by media and researchers routinely reveal that MHI has not contacted them to correct the record or provide a factual and evidence-based context for losses.

 

ManufacturedHousingInstituteTornadoDailyBusinessNewsMHProNews

TimWilliams21stMortgageCorpGoodArgumentsQuoteRespondEveryStoryDailyBusinessNewsMHproNews

 

So, once more, MHLivingNews has issued a new report that specifically deals with this issue, based upon facts, evidence, third-party research, and common sense. See that, linked below.

 

 

While this can be successfully addressed at the local level, the industry nationally will not break free of its lethargy until such issues are routinely addressed and repeatedly corrected, so that the public grasps reality instead of the fear that ‘if it bleeds, it leads’ headlines engenders. With 7 months of declining new manufactured home shipments during an affordable housing crisis, isn’t it time for state and MHI association members to ask for a shakeup in how things are being handled?

By the way, the report linked here and above has a far more responsible mainstream news video from CBS News, plus a broad fact check that addresses the concerns of millions, head on with the evidence.  It is produced for sharing with the general public.  By the way, note who is leading the way on reports that debunk the tornado concerns?

TornadoDeathsMobileHomes2019-05-27_1437SearchResltsManufacturedHomeProNews

Hint. It’s MHLivingNews. We do, while others posture.

That’s tonight’s edition of “News through the lens of manufactured homes, and factory-built housing” © where “We Provide, You Decide.” © ## (News, analysis, and commentary.)

 

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To report a news tip, click the image above or send an email to iReportMHNewsTips@mhmsm.com – To help us spot your message in our volume of email, please put the words NEWS TIP or Comments or Letter to Editor in the subject line.

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SoheylaKovachDailyBusinessNewsMHProNewsMHLivingNewsSubmitted by Soheyla Kovach to the Daily Business News for MHProNews.com. Soheyla is a managing member of LifeStyle Factory Homes, LLC, the parent company to MHProNews, and MHLivingNews.com.

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“Lead, Follow … Or Get Out of The Way”

Shocking, True State of the Manufactured Housing Industry, plus Solutions for Profitable, Sustainable Growth – May 2019

 

 

 

 

 

 

 

Fact Check, Darren Krolewski, MHInsider Claim on 2019 Louisville Show Attendance

March 25th, 2019 Comments off

 

FactCheckDarrenKrolewskiMHInsiderClaim2019LouisvilleShowAttendenceMHProNews

Darren Krolewski, Co-President at MHVillage and publisher of their MHInsider magazine made another bold claim in their most recent issue.  As regular and close readers of MHProNews fact-checks may recall, a problematic claim was made in their prior issue too, and no known correction of that factual error took place.

 

In that prior instance, they made an outrageously high claim for the number of new home sales that claimed were being made by a Clayton Homes retail center.  Even MHProNews sources with Clayton denied the accuracy of the overblown MHInsider reported statistics.

In this fact-check instance, Krolewski personally said that in 2019, they had the biggest attendance of any Louisville Show in the 60-year history of the event.

Seriously?

DarrenKrowleksiPage5MarApr2019MHInsiderLogoFalseClaimMHVillegeLogoDailyBusinessNewsMHProNews

 

First, common-sense alone tells an informed manufactured home industry reader or investor that when this segment of the factory-built home industry is at only about 75% under its last peak in 1998, that outrageous claim on its face doesn’t make much sense.  There were thousands of more retailers years ago, not to mention more communities, suppliers, producers, lenders and so on.

 

ManufacturedHomesAsPercentageofSinglefamilyHousingStartsDailyBusinessNewsMHProNewsSkylineChampionSKY780x943

 

Second, the industry today is doing only about 20 percent of what it produced in the early 1970s. See the shipment graphic, provided by another Manufactured Housing Institute (MHI) member, Skyline-Champion (SKY).

Third, Danny Ghorbani used to run the Louisville Manufactured Housing Show as a vice president for the Manufactured Housing Institute in the 1970s. When asked by MHProNews about the attendance, he said the show drew roughly 10,000 attendees a year back in the day.  That would be several times higher than the 2019 turnout.  Ghorbani stressed that the show was a national event then, and is only a regional show now.

Keep in mind as well that the number of new home display units in Louisville declined in 2019, a fact they show management, MHVillage, and MHI can’t hide.  At its peak, by contrast, the Louisville Show used to have over 150 or more factory-built homes on display.  That’s several times bigger than what the show has been in recent years.  Homes used to occupy several show halls. This year, exhibitor space and display unit totals both decline.  Is MHVillage/MHInsider giving cover to MHI for troubling signs ahead?

DannyGhorbaniFormerMHIVpQuoteFoundingMHARRPresidentQuoteDailyBusinessNewsMHProNews

What Does This Obvious Error by MHVillage/MHInsider Means?

At a minimum, this is another example of either an obvious error that a manufactured home industry knowledgeable editor should catch, or perhaps is an example of a deliberately false or “fake news” claim.  The problem is this is a pattern of repeated errors, not a one-off.  See another recent example from MHInsider below. But why would they be making obviously mistaken or fake claims?

 

PatrickRevereRetailersSeeHighDemandMHinsiderLogoMHVillageLogoDailyBusinessNewsMHProNewsFactCheck

 

Legacy Housing monitored their results of their most recent promotion.  Casey Mack, made the following statement. Additional details are found here and here, or further below.  Rephrased, part of this might be puffery on the part of MHVillage/MHInsider.  They may be posturing for the sake of advertisers.   But beyond that, this purported pattern of “fake news” all seems to point in one direction.  Namely, to make the readers of such false information believe that times are better than they actually are.  The industry in numerous markets is in months of decline, not growth.  Where is there such an admission by Krolewski, MHInsider, or MHI?

CaseyMackTonySoheylaMHProNewsTeamFirstCallDailyBusinessNewsMHProNews

 

While several speculative notions could be floated as to why this occurs, one point is clear.  MHInsider repeatedly themselves makes or publish the claims of others that appear exaggerated on their face or are perhaps deliberately misleading.  Either way, it is part of an ongoing pattern that pro-Manufactured Housing Institute MHInsider has exhibited for some time.

For just one example of a growing industry crisis, where are their reports on problems like the one reported in MHVille only by MHProNews, in the hot-linked text-image box below?

 

Urgency Grows, Another City Prepares Ban on Manufactured Homes

 

These are the issues that cause manufactured home retailers real or metaphorical heartburn. Why doesn’t MHInsider, MHR, or other industry publishers aligned with MHI cover these same concerns?

 

Mobile Home Militia – “Clayton [Homes] Wants Your Cornbread Too” “Join the Revolution” – ‘You Gotta Have Swagger’

 

Wittingly or not, these articles by MHInsider are akin to purported propaganda techniques being used by MHI, their surrogates, and select MHI members While the industry is routinely being buffeted by several problematic issues, MHInsider routinely makes it seem that all is sunshine and roses, forgetting that the later always has thorns.

 

MHI’s Growth Agenda? Rick Robinson, JD, SVP Manufactured Housing Institute, Preemption Evidence, Writ of Mandamus, and Addressing HUD Code Manufactured Home Shipment Woes

 

DarrenKrolewskiPraisingMHProNewsDailyBusinessNewsMHProNews

Darren and others at MHI praised the fact checks and ‘thankless‘ pro-growth work based upon reality, not falsehoods.

 

The Daily Business News on MHProNews believes in accuracy.  While anyone – including us – can get typos or such accidental mistakes, factual errors beg for correction. Where is MHInsider’s mature admission of such mistakes?

 

As Affordable Housing Crisis Rages, New HUD Code Manufactured Housing Shipments Fall, Some States Drop 35-40 Percent

 

Fake news or false hype are apparently aimed to make manufactured home industry pros and independents think things are better than they are.  MHInsider, MHI, or MHR each provide examples that sadly don’t help manufactured home pros recover from the very real challenges faced in zoning, financing, public acceptance, and the like.  These are issues that MHProNews, MHARR, NAMHCO, and others will be exploring at Tunica Thursday March 28 at 12:15 PM.  We’ve documented the problems for some years, now it is time for industry professionals to organize and take the steps towards cures.

 

2019TunicaManufacturedHousingShowDailyBusinessNewsMHProNews

ProblemSolvingZigZiglarFirstStepRecognizetheProblemExistsNextIsProblemOurResponsiblityProblemSolvingVeryImportantDailyBusinessNewsMHProNewsTonyKovachbookshelfJimCollinsWeathermanRainLATonyKovachDailyBuisnessNewsMHProNews

 

See the related reports below the byline for more on the special Tunica Show event.  RSVP and sign up for our industry leading emailed headline news that sources say Krolewski, George Allen, and Ken Rishel – all MHInsider writers – among others read closely, per their confidants.

 

DearTonySoheylaNoGreaterResourceSpeakstoIssuesOpportunitiesWeFaceAsIndependentRetailersGusRodriguezTejasHomesTX

Gus’ message came in response to a series of exposes on issues within manufactured housing, as well as tips, strategies and opportunities.

 

That’s  from manufactured housing most read and most trusted “Industry News, Tips, and Views Pros Can Use,” © ## (News, analysis, and commentary.)

 

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To report a news tip, click the image above or send an email to iReportMHNewsTips@mhmsm.com – To help us spot your message in our volume of email, please put the words NEWS TIP in the subject line.

NOTICE: You can get our ‘read-hot’ industry-leading emailed headline news updates, at this link here. You can join the scores who follow us on Twitter at this link. Connect on LinkedIn here.

NOTICE 2: Readers have periodically reported that they are getting a better experience when reading MHProNews on the Microsoft Edge, or Apple Safari browser than with Google’s Chrome browser. Chrome reportedly manipulates the content of a page more than the other two browsers do.

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SoheylaKovachDailyBusinessNewsMHProNewsMHLivingNewsSubmitted by Soheyla Kovach to the Daily Business News for MHProNews.com. Soheyla is a managing member of LifeStyle Factory Homes, LLC, the parent company to MHProNews, and MHLivingNews.com.

 

 

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Controversy Erupts! Tunica Manufactured Home Show ‘Educational Seminar’-Legally Questioned “Lease Option” “Chattel Lending” ‘Taught’ by Spencer Roane, Promoted By George F. Allen, SECO

 

 

 

 

 

 

 

Media Claims New Story/ICON Builds 3D Printed Housing for $4000, Fact Check & Analysis

October 10th, 2018 Comments off

 

MediaNewStoryICONBuilds3DPrintedHousing$4000FactCheckAnalysisDailyBusinessNewsMHproNews

Different construction methods exist – or emerge – for a variety of reasons.

 

3D printing of housing, for example, is being tested globally. Some say 3D printed housing is the obvious answer for building housing on the lunar landscape, or other planets.  “It sounds crazy, but it would be a lot crazier to fly sheet rock and 2×4’s to Mars,” Jason Ballard, ICON CEO per Business Insider.

JasonBallardPhotoCofounderCEOIconTreehouseICONLogoDailyBusinessNewsMHProNewsLogo400There are also reasons why independent trade publishing which fact-checks is necessary for the factory-built-housing industry.

When there is a buzz about:

  • alternative construction,
  • emerging, or
  • automated technologies then

investors, homebuyers, policy wonks, and others may ask – ‘why should we mess with HUD Code manufactured homes?’

So, it is obviously an important issue to millions.

With that backdrop, mentally place yourself in the shoes of an affordable housing advocate, hedge fund manager, or housing seeker, and then read the following.

photo

Mainstream media outlet Business Insider (BI) ran what is at best a dubious headline, “These 3D-printed homes can be built for less than $4,000 in just 24 hours.”

The videos by third party are posted by the Daily Business News on MHProNews, and were not part of the BI article.

 

Here’s how that BI article opens:

Printable homes represent the latest wave in construction, but they’re not always cheap to build.

Earlier this year, Branch Technology, an architectural startup,developed a prototype of a 1,000-square-foot 3D-printed home that would cost about $300,000 — a price too high to be considered a solution to the global housing crisis.

In March, New Story, a housing nonprofit based in San Francisco, and ICON, a construction-technology company that designs 3D printers, unveiled what they said was “the first permitted, 3D-printed home in America”: a 350-square-foot structure that cost about $10,000 and took just 48 hours to build.

At the time, the printer — known as the Vulcan — was running at only 25% speed. That gave the companies confidence that they could build a 600- to 800-square-foot home in just 24 hours for $4,000 or less. Before using 3D-printing technology, it took New Story eight months to build 100 homes, each costing about $6,000.”  Their article is found at this link here.

Note that the printer for these 3D printed housing units is portable, weighing about 2,000 pounds.

Here’s a news video that serves to make the point on why fact-checks and common-sense analysis are not only useful, but necessary. Note how the still emphasizes that same $4,000 price?  It’s the same figure that BI and others in mainstream media are reports on ICON’s and the New Story’s non-profit efforts are using.

 

But if you listen carefully, ICON’s founder says that the price is for the wall system and framing, not the systems of the house, like HVAC, plumbing, electrical, etc.

Another news outlet said that an ICON project in El Salvador would cost $1,000,000 for 100 homes. Presumably, that is the price of building it there, not in the U.S. If so, that’s $10,000 per ‘tiny house.’

FYI – MHProNews reached out to ICON with questions about what is and is not included in the cost, and received no reply. We plan another outreach in reaction to this article.

So, the Daily Business News turned to another 3D printing builder for their take on this ICON related pricing claims. Here’s what Don Musilli, CEO of 3D Build Systems LLC, Englewood, Florida told MHProNews this week.

 

3D Builder Sounds Off on ICON, Media Claims

Tony: The prices stated with these printed homes are materials cost. We can print an exterior and interior wall in a 1,000 sq. ft. home for under $10,000.00 materials cost. So these numbers are not really indicative of the sell price of the home plus this home has no HVAC and minimal lighting. No toilet, sink, etc.,” said Musilli.

We [3D Build Systems] believe we can produce a 1,400.00 sq. ft. home, complete, ready to move in for around $100,000.00. That is more reasonable and more accurate,” Musilli said in an electronic statement.

One more point,” added Musilli. “It is our goal to attempt to complete the homes in 30 days or less. We are working on the process for wiring, plumbing and installation of the split heating/cooling system to be done as quickly as possible. The finish is just the concrete wall with a stucco like finish.”

If Musilli’s pricing comes to pass, that would be $71.42 per square foot. That’s considerably less than prior estimates for the same sized home of about $100,000.

 

Robotics, 3D Printed Housing, Imminent Challengers for Manufactured Homes, Modular Housing – 3D Build Systems CEO Don Musilli

 

As has been noted above and previously, to achieve more affordable housing, there should be an openness to new as well as proven construction methods, including HUD Code manufactured homes, on an equal opportunity basis.

 

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

 

 

What Does the Emerging 3D Printing Mean to Manufactured Housing?

A manufactured home industry veteran told MHProNews today that the industry has a “once in a lifetime” chance to get it right.  The need for affordable housing is so great, and there are numerous media sources that are shedding positive light on HUD Code manufactured homes.  One of several examples from this year is found below.

 

Bloomberg “New Home for $90,000? Manufactured Housing Is Making a Comeback” Reveals MH Media Challenge

 

Be that as it may, it is challenges from emerging technologies that are among the reasons our publisher repeatedly warns the industry’s independents against what he sees as the “artificially caused challenges” to HUD Code manufactured home builders, retailers, communities and other industry professionals. One of many such challenges are spotlighted in the article linked below, which can be read later for greater understanding of the issues.

 

Rumble over Anti-MH Law-State Association, Manufactured Housing Institute (MHI), Clayton Homes, and MHARR

 

The Manufactured Housing InstituteMHI – and their mouth-pieces keep calling for ‘unity’ in the industry.  That’s a potentially loaded term,” says L. A. ‘Tony’ Kovach.  “Someone can unite an industry by consolidating it. Uniting an industry could in some cases be construed as an antitrust issue, as their own handout says. That said, the point should be that a few players that have purportedly manipulated regulators, aspects of media engagement, public officials and capital could have over played their hand. In the meantime, that process has arguably cost thousands of industry professionals to lose their businesses to closure or a cheaper sale than a normal market condition would have provided them.”

The other side of the coin,” said Kovach, “is that MHARR, MHI and state association like Texas did pull together in a way that benefited everyone.  That should be the test for ‘unity.’ Does it benefit consumers? Does it benefit businesses of all sizes?  Does it work to the advantage of taxpayers? That’s kind of authentic unity is worthwhile. So, the word ‘unity’ must be carefully parsed.  Some unity is good, but other kinds of unity is akin to conquest.”

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The comment above was said with respect to another recent topic, but relates to this issue too.

MHProNews will be doing a special report on that topic, to provide an example of how ‘good unity’ has worked before, and can work again.

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“Challenges to Obtaining Manufactured Home Financing,” Urban Institute Report Fact Check, Analysis

July 4th, 2018 Comments off

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Is the Urban Institute (UI) attempting to use their “research” to blunt the manufactured housing industry’s steady yet modest recovery?  If so, why?

 

It’s a debatable point that could be made after a close analysis of the UI nonprofits’ most recent – and once again, problematic – manufactured home industry related research.  The prior report and analysis on manufactured housing, linked below, can be read later for greater depth of understanding on their latest research.

“Follow the Money” – Controversial Urban Institute Report on Manufactured Housing

In the Urban Institute’s (UI) latest report, attached below, Laurie Goodman and Bhargavi Ganesh are the only two researchers with bylines in their June 2018 document.

Both Goodman and Ganesh were part of a quartet of co-authors who in January 2018 signed onto a report entitled, “Manufactured homes could ease the affordable housing crisis. So why are so few being made?” Edward Golding and Alanna McCargo were not named in the UI’s latest June report. More on that prior research will be touched on later, below.

 

The two 2018 UI reports are similar in this respect. It isn’t so much the UI statements, but rather:

  • what they didn’t say, which is significant,
  • and how what they did say is phrased in troubling ways, starting with the headline.

Those sum up the issues for manufactured housing professionals, many investors, and intelligent prospective buyers. The one clear positive that should be noted is that they writers used the industry’s homes correct terminology.

Beyond that…? Let’s look at specifics.

 

Imagine that You’re a Home Buyer, Considering a Manufactured Home…

In the single-family housing market, most homeowners take out a real estate loan or mortgage to finance their home. But in the manufactured housing market, most consumers rely on chattel loans, or property loans, which typically have less favorable loan terms and fewer consumer protections than mortgages. The high costs of chattel financing can dissuade people from purchasing a manufactured home, contributing to the relatively small number of homes shipped,” stated Goodman and Ganesh in their opening few lines.

There were 240,000 homes shipped each year from 1977 to 1995, but only 93,000 homes shipped in 2017. This report examines the challenges to obtaining affordable financing for a new manufactured home,” concludes their opening paragraph.

Rephrased, they are telling media, other researchers, and those savvy shoppers that might read such a report:

  • Manufactured home sales have declined dramatically;
  • Buyers are being dissuaded by high cost chattel loans;
  • Starting with the headline, they make financing a manufactured home sound like “Challenges;”
  • admit to not considering the mitigation of closing costs in their evaluation, saying “Moreover, we have not accounted for differences in closing costs. The up-front costs of a chattel loan might be lower.”

Nor do they mention the hassles that retailers report when a significant percentage of real estate loans may not meet appraisal. The causes? Because appraisers may be ignorant about manufactured housing, or are otherwise hamstrung by guidance which relies on a lack of “comps,” plus other factors that keep manufactured homes in mortgage deals from getting a fair appraisal.

UrbanInstituteChallengestoManufacturedHomelendingDailyBusinessNewsMHproNews

While some 80 percent of mortgage loans make appraisal, said an FHA lender to MHProNews, that still  means that 20 percent don’t.

That appraisal hassle – that ‘roll of the dice’ that may cause a lost sale – causes some retailers to shy away from mortgage loans. Having lost sales for that reason, say some retailers to MHProNews, they are not as enthusiastic about that potential outcome.

Are those factors for the decline in land home mortgages made in manufactured housing since the early 2000s? That’s the kind of question that serious, dispassionate “evidence based” researcher might do.

But UI’s Goodman and Ganesh don’t even raise those issue, nor others.

Who did they interview for this? It’s another unanswered question.

That said, in the prior UI report in January, sources at the nonprofit indicated that Berkshire Hathaway brands, and the Manufactured Housing Institute (NHI) were consulted. If that occurred again this time, what did those sources say? With a week now elapsed since this UI report, why aren’t Berkshire brands, or MHI, raising concerns like those noted herein publicly?

UrbanInstituteLogoChallengestoManufacturedHousingFinancingReportJune2018ManufacturedHousingIndustryDailyBusinessNewsMHproNews

 

More UI Report Wrinkles

It isn’t until page 4 of their report that the pair from UI mention another reason why buyers may legitimately want a personal property – home only, or chattel loan. That prudential reason? “Moreover, some states have a lower property tax on personal property than on real property.”

  • don’t consider the potential savings in real estate taxes vs. personal property taxes found
  • and they even failed to clearly link to their somewhat more positive, but still problematic report published in January.

For a report that is supposed to examine manufactured home financing, they don’t mention:

  • FHA Title 1,
  • the USDA’s Rural Development program,
  • VA loans,
  • or the role Government Sponsored Enterprises (GSEs) could be making to lower rates via their Duty to Serve (DTS) mandate.

Manufactured Housing Association for Regulatory Reform (MHARR) Pressing Fannie Mae, Freddie Mac to Fully Engage on Duty To Serve (DTS)

Nor did UI mention that the:

  • Government Accountability Office (GAO),
  • Fannie Mae,
  • and other researchers found that even with higher interest rates, manufactured homes are generally still lower in cost than rent, and significantly lower than conventional housing.
ManufacturedHomesGAO2014ReprotCompareApartmentsSingleFamilySiteBuiltHousingManufacturedHomesMHLivingNews

Any serious researcher could find this information, which is from the GAO report on manufactured housing, and is found on MHLivingNews . https://www.manufacturedhomelivingnews.com/researchers-shake-up-american-dream-rent-vs-buy-ken-johnson-florida-atlantic-university-exclusive-to-manufacturedhomelivingnews/ So why didn’t the UI researchers find and report on this in their latest report?

Interviews with educated, savvy homeowners on MHLivingNews indicated that when they did their own math, they found that manufactured homes made good sense. Again, UI fails to mention any such favorable companions.

 

UI Acknowledgement – A Head Fake?

Longtime, devoted Daily Business News readers will recall that MHProNews took the Urban Institute to task for not disclosing their funders, trustee, and other apparent conflicts of interest in their January, 2018 report.

Was the Urban Institute Misled, Duped, or Part of a Manufactured Housing Industry Scam?

Perhaps for that reason, UI added an acknowledgement in this report, and used the following disclaimers, shown in brown text below.

Acknowledgments

The Housing Finance Policy Center (HFPC) was launched with generous support at the leadership level from the Citi Foundation and John D. and Catherine T. MacArthur Foundation. Additional support was provided by The Ford Foundation and The Open Society Foundations.

Ongoing support for HFPC is also provided by the Housing Finance Innovation Forum, a group of organizations and individuals that support high-quality independent research that informs evidence- based policy development. Funds raised through the forum provide flexible resources, allowing HFPC to anticipate and respond to emerging policy issues with timely analysis. This funding supports HFPC’s research, outreach and engagement, and general operating activities.

This brief was funded by these combined sources. We are grateful to them and to all our funders, who make it possible for Urban to advance its mission. 

The views expressed are those of the authors and should not be attributed to the Urban Institute, its trustees, or its funders…”

Convenient? Coincidence?

First. Money is fungible, as an industry attorney noted to MHProNews. To say that prior Berkshire Hathaway or Gates Foundation money has no impact on UI is debatable, or perhaps even laughable.

But equally noteworthy is the presence of the George Soros backed Open Foundation Money in this project. How many other intersections are there between Soros, Buffett, Gates and their interests?

 

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Summary

Summed up, the oversights and omissions by UI are stunning.

The issue of lending falls in the post-production sphere in the association world.

So arguably it is equally stunning that MHI, if they were serious about growing sales or financing options – or the Berkshire brands – haven’t weighed in – per Google search at this date and time – to publicly correct the misleading narrative forged by these ‘researchers.’

Pray tell, why not? Are they serious about promoting accurate facts about the manufactured home industry?

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“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

June 16th, 2018 Comments off
TakeMHAdvantageChallengeCanYouTellTheDifferenceFiskofSarahEdelmanDirectorDutyToserveSingleFamilyFannieMaePhotoLogoDailyBusinessNewsMHProNews

Collage by MHProNews. Photo of Sarah Edelman, credit, The New Deal.

Most people wouldn’t recognize today’s factory-built homes. The manufactured housing industry has diversified and enhanced the models available so they can blend seamlessly into traditional neighborhoods of site-built homes, offering comparable amenities and curb appeal,” said Sarah Edelman, Director of Duty to Serve, Single-Family Mortgage Business.

 

Her open is solid, and seemingly positive.

At Fannie Mae, we’re enhancing our mortgage financing options to keep pace with these important changes,” Edelman continued.

This trend toward modern designs is a smart way to meet demand from growing segments of buyers, including millennials, downsizing baby boomers, and first-time homebuyers. These buyers and others are looking to manufactured housing as an affordable option providing quality and value in a market where the supply of site-built housing is low and prices are high. Quite simply, manufactured housing is a key opportunity to address our growing affordable housing crisis,” said the Fannie Mae executive, on an article that was published 6.5.2018.

Ten days ago, her Fannie Mae “Perspective” was the top article on the Government Sponsored Enterprise (GSE) website.

But today, a week and a half later, that positive sounding article about manufactured homes is no longer visible on the Fannie Mae home page.

Now, comes what industry insiders – who’ve scrutinized her comments – are calling the veiled blow from the “perspective” of that GSE.

That’s why we introduced MH Advantage mortgage, an affordable financing option that recognizes the similarity of many manufactured homes to traditional site-built homes by offering the same conventional mortgage financing – including down payments as low as 3%, lower interest rates than most traditional manufactured home loans, and cancellable mortgage insurance,” Edelman said.

Homes that are eligible for MH Advantage have features that make them look more like traditional site-built homes including eaves and higher roof pitches, lower profile foundations, garages or carports, porches, dormers, upgraded interiors, and more,” she wrote.

Rephrased, what that means is that the bulk of manufactured homes being sold by HUD Code manufactured housing producers are NOT included in the Fannie Mae MH Advantage program.

That’s been confirmed to the Daily Business News by MHI connected sources familiar with this MH Advantage program.

These homes are now easily identified by a new MH Advantage “Mortgage Financing Notice” applied by participating manufacturers. This MH Advantage “sticker” makes it easy for retailers, shoppers, lenders, and others involved in the mortgage process to identify eligible homes when they’re bought, sold, or refinanced. It’s something interested buyers should look for and ask about, said Edelman.

What hasn’t been made known yet by her or others is

  • what percentage of Fannie Mae’s loans are going to be allocated to this program?
  • Or are the majority of manufactured homes going to be excluded from Fannie Mae lending?
  • Why doesn’t Edelman’s column make it clear that these loans are land/home, as opposed to chattel?

Why aren’t the answers to those questions part of the article?  Or where is a Fannie Mae FAQ for this topic? Or why aren’t other necessary facts being made known?

PaulBarrettoFannieMaeSpeakingAtTunicaShowMarch2018ManufacturedHousingIndustryDailyBusinessNewsMHProNews

Photo from March, 2018. To see his news making remarks there, click here

Why?

Because Fannie Mae won’t answer those or other related questions.

Perhaps this prior reply from Paul Barretto, at Fannie Mae, to the Daily Business News gives industry readers, public officials, investors, and affordable housing policy advocates a clue.

I’m sorry I can’t talk beyond what I presented…,” Barretto said in a message to MHProNews

Barretto, Sarah Edelman, their media office, and others contacted over the course of several days at Fannie Mae all declined commenting.

Why?

If Fannie Mae actually wants to promote this program, why not do so for free on the manufactured home industry’s most widely read news source? Who is hiding what, and why?

 

Industry Pro Says MH Advantage Defies the Purpose of the Duty to Serve (DTS)

The now-missing-from-their-home-page article by Edelman doesn’t note the complaint lodged by MHARR to Fannie Mae.

The Manufactured Housing Association for Regulatory Reform (MHARR)’s president and CEO, Mark Weiss, JD, said this program was “unacceptable” to that organization or their members for several reasons.

Weiss also said the MH Advantage plan was an “illegitimate,” “bait and switch.” Related articles, like the one linked below, can be read later for more details.

Fannie Mae Touts MH Advantage Program, But Manufactured Housing Association Slams Plan as “Illegitimate,” “Bait and Switch”

Among the reasons Weiss objects on behalf of independent manufacturers and their customers, is because MH Advantage “defied” the core principles of Duty to Serve (DTS), which was mandated in 2008 by the Housing and Economic Recovery Act (HERA).

Weiss said the GSEs have successfully ducked the law for a decade.

DTS is supposed to be about giving access to potentially millions of American to more affordable housing, specifically by providing lending for affordable manufactured homes.  That would benefit people otherwise trapped in rentals.  It could also reduce the costs for government subsidized housing programs, while creating more tax revenues for the states those manufactured homes are sold in.

DutyToServeManufacturedHousingMMarkWeissJDPresidentMHARR-MHProNews--575x191

Instead, what Fannie Mae’s program is doing with MH Advantage is arguably creating a more costly, separate class of manufactured homes, all of which will sell at a higher price-point than the majority of what the industry currently offers.

How will that help lower income consumers? How does that boost job creation by the builders of lower cost homes?  Who does the Fannie Mae plan benefit?

Weiss’ comments indicate they answer queries like those as follows.

ManufacturedHousingAssocRegulatoryReformMHARRMarkWeissDTSFHFA-GSEsGoingtoLargestBusinessesCorpAffiliatesDailyBusinessNewsMHProNews

Collage by MHProNews.

Edelman’s article continued as follows.

We believe MH Advantage is an innovation whose time has come, but we remain committed to traditional manufactured homes, manufactured housing communities, and their important role as sources of affordable housing. In fact, Fannie Mae provided more than $9 billion in financing for manufactured housing in the past two years. And we’ll continue working with our partners to expand access to high-quality home rental and ownership opportunities in every market, every day,” Edelman concluded her column on the Fannie Mae website.

An unedited version of her article will be found later here as a download, or on their website, at this link here.

 

A Look at Sarah Edelman’s Resume 

An industry source with ties to the development of Fannie Mae’s MH Advantage program confirmed for MHProNews that Edelman is fairly new with the giant GSE.

SarahEdelmanPhotoDirectorOfHousingPolicyCenterProgressFannieMaeDailyBusinessNewsMHProNews

Other industry sources in lending, and who are MHI members, told MHProNews that part of the DTS commitment to manufactured housing is going to be this MH Advantage program.  Those sources could not say with certainty what that percentage would be.  Again, Fannie Mae is mum.

Since when is silence to the media a “pro-growth” progressive virtue?

SarahEdelmanLinkedInPhotoProfileBioResumeFannieMaeDailyBusinessNewsManufacturedHosuingIndustryMHProNews510

 

What MHI Connected Sources, and Manufacturers Say

MHI connected sources could not say with certainty how close the design specifications for the MH Advantage program are to MHI’s highly touted, but thin on public details, ‘new class of HUD Code manufactured homes.’

The controversy-plagued Arlington, VA association president and CEO Richard “Dick” Jennison, plus other MHI staffers, have refused to engage with more details.  Why not?

If they are proud of the facts, why not get the widest possible publicity?  If the national trade goup aren’t proud of their plan to talk about it openly, then what have they got to hide?

 

Does Your Firm Sell News Entry-Level Manufactured Homes?

Does the plan favor big companies over smaller independent producers or retailers?  The indications are, yes.

By implication, doesn’t “the new class of homes” and Fannie Mae’s “MH Advantage” restrict lending, and thus trade, on the majority of manufactured homes produced?  Isn’t that part of the federal definition of barred activity under anti-trust laws?

Again, related articles linked above and below can be read later for more details.

Secretive “NEW” Class of Manufactured Housing Raises Serious Concerns

 

But there was wide agreement among MHI members who commented for this report that the two sets of standards – Fannie Mae’s “MH Advantage,” and MHI’s so-called “new class of homes” – may be the same.

All of this should be deeply concerning to public officials, affordable housing advocates, the vast majority of the manufactured housing industry’s professionals, investors, and the Trump Administration.

One source asserted that they are informed about the MH Advantage program, and favored it. When asked by MHProNews, that source admitted that the prior MH Select had little traction in the market.

That source also admitted that this new MH Advantage program could create problems for manufacturers that are not selling this kind of product.  ‘But Fannie Mae will be reviewing the [DTS] program in three years, and if it is harming manufacturers or the market, they can change it at that time,’ that  person said.

An MHI only member manufacturer expressed outrage over the plan to split the majority of the industry’s homes in two by misusing DTS in this fashion, saying it was an insult to the industry.

A careful read of Edelman’s article reveals that while it sounds like praise, MH Advantage is a de facto put-down of any home that doesn’t meet their standards.

Applying the logic of MHI award-winner Marty Lavin’s quote below – if successful – what this will do is cause fewer existing types of manufactured homes to be sold over time.

YouGetMoreOfWhatYouEncourageLessofWhatYouDiscourageMartyLavin

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

The Daily Business News and the Masthead have raised concerns about the lack of transparency and contradictions surrounding the DTS program.

Manufactured Housing’s “Trojan Horse”

MHProNews noted MHI’s “new class of homes” could be a “Trojan Horse” for the industry.  The fact that this program was allegedly created in secrecy is itself a warning that possible anti-trust prohibited actions could have taken place.

The history of back and forth support and opposition to DTS by Tim Williams – former MHI chairman and the president and CEO of Berkshire Hathaway owned 21st Mortgage –  could be red flags.

Much of this could be cleared up if MHI and the GSEs released their closed-door meeting minutes.  But they have refused to do so.

Or it could be cleared up, if the parties involved simply, candidly answered a series of on-the-record questions, with those replies given by informed Fannie Mae and other related personnel.  Isn’t that just common sense?

The obvious logical conclusion to the various controversies, allegations, and concerns are that the parties involved with this MH Advantage and the DTS program don’t want clarity, because they are deliberately being opaque.

FiskingFiskDefinitionYourDictionaryManufacturedHousingIndustryDailyBusinessNewsMHProNews

 

The View from the Masthead

MHProNews publisher L. A. “Tony” Kovach has said that the principles Marty Lavin has laid out need to be applied in this case.

Kovach said that the industry must consider pretty words, platitudes, and overdue promises made to the manufactured housing based upon experience.  “Promises and pleasant words have often have resulted in little or no useful action for the majority of the manufactured home industry’s members,” Kovach said.

MHI award-winner Lavin, is an attorney who served for years with the Arlington, VA based trade body, and served a GSE as well.  He has offered a general summation on tip for reading the industry’s tea leaves, which could be applied to this scenario.

They are paraphrased in the following three bullets.

  • Follow the money.
  • Pay more attention to what people do than what they say.
  • MHI works only for the interests of theirbig boymembers, and the interests of the smaller MHI members are served only when they align with the interests of the big boys.

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

It is for similar concerns and failures to properly serve them that the AZ and NV community associations have laid the foundation for a new, national post-production association, quitting MHI last year.

Fannie Mae announced they are an MHI member. Associations lobby.

House Financial Services Committee Chairman Jeb Hensarling issued a statement to MHProNews that protested Fannie’s alleged involvement in lobbying, which they are currently prohibited by FHFA from doing. See that, and more, linked under related resources, below.

Update on Fannie Mae Lobbying, and Manufactured Housing Controversy

MHI, members of Berkshire Hathaway brands, and Fannie Mae were contacted by the Daily Business News and asked to react to MHARR’s formal protest to Fannie.  None of them has weighed in as of this writing.

By contrast, when MHProNews asks most state associations for comment, a prompt reply – albeit sometimes off the record – are common.

Recall that Smoking Gun 3 documented related concerns over how cutting off or limiting lending put hundreds of companies out of business, some of which had been in the industry for decades.

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

As publisher Kovach told a mainstream media reporter last week, the reality of the challenges in manufactured housing for thousands of companies can be summed up in two words. “Rigged system.”

The trend is toward what appears to be an artificially created consolidation of the industry.  Why artificial?  Because the nation has an affordable housing crisis, and yet the industry is still constricting, debatably due in part by restricting the lending available to independents.

ClaytonHomesSkylineChampionCavcoIndustriesBalanceofIndustryManufacturedHousingIndustryConsolidationGraphicPieChartMHProNews

Graphic by MHProNews, using information provided by each corporation, data from HUD, MHARR, or other named entities.

The linked reports provide evidence plus reasons how capital, credit, nonprofits, and MHI have been among the tools used to consolidate the industry, to the advantage of a few at the cost to the many.

An executive level industry reader told MHProNews,You need to create an ‘I told you so’ list, to remind the [manufactured home] industry when warnings and concerns have proven to be accurate.”  Please put this topic, first raised over a year ago, among those.

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Related Reports:

‘Over Target’ Reactions, WHA Exec (ret) Ross Kinzler, Won’t Defend MHI Policies & Points to Prior MHI Failure

Update on Fannie Mae Lobbying, and Manufactured Housing Controversy

Manufactured Housing Institute “Walk Out,” “Cover Up,” and Shock at their Vegas Event

 

Wisconsin Housing Alliance – an MHI ‘Affiliate’ – Amy Bliss’ Messages Raise New Anti-Trust Issue

 

 

NorthStar and Manufactured Housing Radix

 

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Sunday Morning Manufactured Housing Industry Research, Reports, Headline News Recap 5.6.2018 to 5.13.2018

May 13th, 2018 Comments off

SundayMorningManufacturedHousingINdustryResearchDataReportsHeadlineNewsRecap562018to5132018MHProNews

 

Millions could care less about politics. Many don’t want to talk about religion either. Especially those in business, who want to be able to serve as many people as possible, topics like that are almost a taboo.

Then there is “industry politics.”  Some only want to hear ‘good news.’  ‘We keep it positive’ was part of a longer thread of messages from an industry blogger.

Isn’t that like not wanting to know when it will rain, hail, snow – or if a hurricane is coming your way?

When the industry was on its heels in October of 2009, the year what’s known as MHProNews launched, there was a need then to get industry professionals to rally.  That required cheer leading, but it also required the facts that supported the reasons to be confident in our factory-built home – notably HUD Code manufactured home – industry.  But modular, prefab, conventional – all housing slid in those days

The automotive, RV, and conventional housing industry recovered more rapidly than manufactured homes did.  Why?  Document and fact laden Smoking Gun 3 will help answer that question.

MHProNews waited to see who among the industry’s trade voices would let the thousands who didn’t go to Las Vegas know that the MHI event was repeatedly disrupted by protestors. It’s on video. See that on the Masthead, because who else in the industry among industry trade talkers will bring you what is real?

We don’t want disunity,’ or ‘But we don’t want to hear negative things,’ some say.  Sure, we get that on the Daily Business News, but as an MD by training, I can tell you that patients don’t want to hear that they have a serious illness either.  Early treatment is the path to the cure.

The doctor, attorney, or account who tells you only what you want to hear can get sued for malpractice.  Don’t you want reliable information, not just happy talk?

As an MD and as a mother-to-be, I didn’t want to hear that our son Tamas wasn’t going to live.  But thank God, by prayer and daily action, he did live and while it required a complete change of plan for me personally, look at what a child who spent much of the first years of his life in a hospital looks like today.

DisplayModelTunicaManufacturedHousingShowTamasKovachAttendeeDailyBusinessNewsMHProNews

Tamas Kovach (pronounced like “TahMash CoVatch), is part of the MHProNews/MHLivingNews family, with a Tunica Show attendee. Numerous such photos are taken during the course of the event.

Sacrifices were made in my career for the sake of our son.  Because we faced a tough reality in the face – through that combination of action and prayer – the payoff with our son was priceless. Almost everyone who meets him rapidly says, how special he is.  At the affordable housing focus group, our son went from table to table, telling joke after joke, to the delight of the attendees, while the video cameras, mics. and lights were being set up.

Every child is special.  Every adult is too.

On MHLivingNews, where the industry truly needs something positive, we do that better than anyone ever in the history of the industry.  But we also use that site to disprove time and again the false and misleading concepts that are held by millions.  It is done factually, based upon evidence, using as often as possible third party research, actual home owners, or other experts. No one else in the history of the industry has produced more such research, useful, and positive content.

The industry still needs a level of confidence building.  But it also needs reality checks and fact checks so that those who hide the facts – who hide the real news, and what’s going on behind the scenes – are shown to be who they are.

In the real world, people do bad things to each other, like it or not.  You have to be ready for that, as a mature adult.

In medicine, you change the prescription and the treatment according to the evidence and to suit the case of the patient.  We pivoted on our format here on MHProNews several times, to suit the evolving situation and to follow the evidence, while following the money.

There’s an affordable housing crisis, and manufactured housing might break the 100,000 shipment mark this year.  That, to borrow HUD Secretary Ben Carson’s phrase, is “ridiculous.”  See Greener and Stylish to better understand just how ridiculous some of what’s been going on in MHVille truly is.

Or on the Masthead, see a report you have yet to see anywhere else in manufactured housing industry trade news or commentary.

Or look at the modular survey for a different reality check.  Some want to run to mods as the solution.  We embrace all kinds of factory built housing.  But if someone thinks that “going modular” alone is the answer, that survey is a wake up call.

The latest MH Industry BIG DEAL is below, with details not found in the official press release.

Not just those, but every story we publish is carefully curated to inform – and yes, inspire – industry professionals.

That’s why you made and keep us the runaway #1 trade media in the industry. That’s what third party facts reveal. Thank you for that confidence.  We don’t ever intend to betray it, even if it means tell you some tough realities. From the biggest names in the industry, to the mom-and-pops, and all in between – plus public officials, investors and others – they all flock to read here by the thousands daily. That’s just a fact.

FactsDetailsMatterScrabbleLettersManufacturedHomeIndustryDailyBusinessNewsMHProNews

On the nightly market report, we summarize headlines from CNN Money and Fox Business – about as different as you can get – just to give you a fuller sense of how dramatically different the same events are often covered.

We’ve done that for years.  It is called balance.  It’s called fairness. That’s what being truly pro-industry looks like.

Count on us to tell you what the evidence points to, what it means for industry professionals, so that you can better navigate your decisions and actions.  Then, you’ll understand this tag lines, MH “Industry News, Tips and Views Pros Can Use.” ©We Provide, You Decide.” ©

That said, let’s dive into your Sunday Morning Headline news recap…

 

What’s New on MHLivingNews

Evolutionary American Dream, from Tiny Trailer Houses, Mobile Homes, to “Amazing” Modern Manufactured Homes

Evolutionary American Dream, from Tiny Trailer Houses, Mobile Homes, to “Amazing” Modern Manufactured Homes

 

What’s New on the Masthead

Anti-MH Industry MHAction Protesters Have Struck Manufactured Housing Again, and Again

Anti-MH Industry MHAction Protesters Have Struck Manufactured Housing Again, and Again

 

May Featured Articles

http://mhmarketingsalesmanagement.com/featured-articles/may-2018 

FeaturedArticlesReportsMay2018ManufacturedHousingIndustryInterviewsDailyBusinessNewsMHproNews_001

What’s New on the Daily Business News

DailyBusinessNewsLogoMHProNewsLogo (1)

Saturday 5.12.2018

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

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

 

Friday 5.11.2018

Reprieve in Community Closure Collision, Another Round Ahead?

Reprieve in Community Closure Collision, Another Round Ahead?

Hyperloop Nearly Complete, Pros, Cons, Videos, MH Impacts – Plus Manufactured Housing Industry Investor Market Reports, Data

Manufactured Housing Supporting VP Mike Pence in Elkhart, Indiana – Highlights

Manufactured Housing Supporting VP Mike Pence in Elkhart, Indiana – Highlights

White House Official Statement on Artificial Intelligence – Industry and Business Summit

 

Thursday 5.10.2018

Home Group Commissions YouGov Study, Most Don’t Understand Modular Homes

Home Group Commissions YouGov Study, Most Don’t Understand Modular Homes

Communities and Counties Pay People to Move There, Plus Manufactured Housing Industry Market Reports

Governor Signs new “Mobile Home” Act

Governor Signs new “Mobile Home” Act

Coldwater, Tall Grass, P&Z Battles, Manufactured Home Community Plan OK’d – Manufactured Housing and the Don Westphal Back Story

Coldwater, Tall Grass, P&Z Battles, Manufactured Home Community Plan OK’d – Manufactured Housing and the Don Westphal Back Story

 

Wednesday 5.9.2018

Uber Flying Taxis, Manufactured Housing Impact – Plus Manufactured Home Industry Market Data, Updates

Manufactured Housing and the Midterms, what did Democratic and GOP Primaries Signal?

Manufactured Housing and the Midterms, what did Democratic and GOP Primaries Signal?

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

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

Yes! Communities Closes on Major Deal, Added Insights Not in Media Release

Yes! Communities Closes on Major Deal, Added Insights Not in Media Release

 

Tuesday 5.8.2018

Manufactured Home Nonprofit Affordable Housing Initiative Brings Joy, But Hits Wall

Manufactured Home Nonprofit Affordable Housing Initiative Brings Joy, But Hits Wall

Stocks Mixed After POTUS Trump Announcement, Plus Manufactured Housing Industry Market Updates

Promoting Home Ownership and Private Property is Premised by Understanding This

Promoting Home Ownership and Private Property is Premised by Understanding This

MIA from Fannie Mae’s Latest Housing Survey, MHI Producer Sounds Off

MIA from Fannie Mae’s Latest Housing Survey, MHI Producer Sounds Off

 

Monday 5.7.2018

Warren Buffett on President Trump’s Tax Cut, Berkshire Video, Plus MH Stocks, Market Update$

Manufactured Housing Roadblock? BBC Reports “Trailer Park Living”

Manufactured Housing Roadblock? BBC Reports “Trailer Park Living”

Style or Substance? Lesson from Most Hated in America – Monday Morning Manufactured Home Sales, Marketing Meeting

Style or Substance? Lesson from Most Hated in America – Monday Morning Manufactured Home Sales, Marketing Meeting

Affordable Housing Revolt! Amazon’s Jeff Bezos Video Responds to “Breakup” Growing Monopoly, and Manufactured Housing

Affordable Housing Revolt! Amazon’s Jeff Bezos Video Responds to “Breakup” Growing Monopoly, and Manufactured Housing

 

Sunday 5.6.2018

Sunday Morning Manufactured Housing Industry Research, Reports, Headline News Recap 4.29.2018 to 5.6.2018

Sunday Morning Manufactured Housing Industry Research, Reports, Headline News Recap 4.29.2018 to 5.6.2018

The above is just what the doctor ordered for this past week. Thanks to those who noticed that I took a little time off at the end of this past week, it was great, but glad to be back too. ## (Headline news, week in review, analysis, and commentary.)

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“Live in a Mobile Home to Buy a House?” – Dave Ramsey Video

February 5th, 2018 Comments off

LiveInAMobileHomeDaveRamseyShowYouTubeDailyBusinessNewsMHProNews

 

Relevant background information is important for understanding an issue.

 

To understand why Dave Ramsey’s take on “mobile homes” [sic] as an “investment” for a home buyers matters to the industry and millions of manufactured home owners, Ramsey’s background matters.

SICSicutJournalismDefintionSocietyProfessionalJournalismDailyBusinessNewsMHProNews

Ramsey doesn’t claim to be a journalist, but everyone should care about using the correct terminology.

The Dave Ramsey Show is a three-hour, self-syndicated radio program and podcast, hosted by the eponymous finance author and speaker, that airs Monday through Friday from 2-5 EST. It is primarily broadcast from Brentwood, Tennessee,” says Wikipedia.

Per the Dave Ramsey Show “Fact Sheet,”

  • More than 4.5 million people have participated in Financial Peace University;
  • More than 13 million radio and digital listeners weekly to The Dave Ramsey Show;
  • More than 600 radio affiliates to The Dave Ramsey Show…”

Against that background, is the video from Dave Ramsey, posted below.

Ramsey’s YouTube page says, “Dave Ramsey explains why buying a mobile home is not a wise investment.”  That’s a problem for manufactured home owners, and for the industry, to the degree that it impacts the public’s perception.

 

 

Ramsey’s stock-in-trade is teaching people to get debt free, among other things.

A pair of other Ramsey “Fact Sheet” bullets,

  • More than 25 years of Dave on-air
  • More than 10 million books sold combined

Among his websites milestones,

  • 1992: Self-published Financial Peace
  • 1992: Began The Dave Ramsey Show
  • 1994: Began teaching Financial Peace University
  • 1997: Financial Peace becomes a best-seller
  • 1999: More Than Enough published and debuted a best-seller
  • 2002: The “Dave Says” column is launched in newspaper publications

The point for manufactured housing professionals?

Several, but let’s point to these.

1)    At least during this segment which was posted on  Oct 25, 2017, Ramsey fails to make any distinction between a mobile home, which haven’t been built since June 15, 1976, and a modern manufactured home, though he mentions the terminology.

American Dreamers and HUD Secretary Dr. Ben Carson; How Millions Could Win by Enforcing the Law

2)    Perhaps Ramsey is unaware of the HUD PD&R that Manufactured Home Living News referenced several times, which documented that manufactured homes appreciated side-by-side with conventional housing.

3)    Or maybe the talk show celebrity doesn’t know the research coming out of the Pacific Northwest, that documents rising manufactured home values.

4)    Nor does Ramsey note – in those cases where mobile or manufactured homes lose value – why they do.  Industry professionals must know these and stand for the facts. Because they mirror the same factors that limit or cause the loss in value of a conventional house.  2008 wasn’t that long ago, when tens of millions saw their conventional housing drop in value.

5)    Where was the Manufactured Housing Institute (MHI) response to this Dave Ramsey segment?  It is part of the ‘other image campaign,’ that Marty Lavin blasted MHI for in their self-touted campaign.

Since that segment aired, FAU’s Ken Johnson statements that indicate that manufactured homes can be a good investment, even a superior one – using Professor Johnson’s formula.

New University Research Shaking Rent vs. Buy Beliefs in Housing, MH Industry Impact?

 

6)    Their is also the Urban Institute (UI) issued report that claims that manufactured homes appreciate, but at a slower pace then conventional housing. While that UI report has its own issues, that MHProNews has been fact-checking, that point on appreciation is worth noting.

“Follow the Money” – Controversial Urban Institute Report on Manufactured Housing

MHLivingNews and MHProNews have promoted the obvious reality that Eric Belsky said.  Ramsey’s an intelligent fellow. Given the opportunity, Ramsey may well see it differently if he understands the combination of factors – including financing – that has limited manufactured homes.

EricBelksyManufacturedHousingIndustryManufacuredHomeManufacturedHousingInstituteResearchDataAffordbleHousingMHProNewsDailyBuisnessNews575

  • Fact-based public education,
  • good lending options,
  • in a healthy economy,
  • with homes in good condition in an appealing location,
  • the law of supply and demand,
  • are what result in appreciation. Each of those are true for conventional and manufactured homes.

See what the lender said in the article linked below.

http://www.mhmarketingsalesmanagement.com/blogs/daily-business-news/where-a-14×60-single-section-manufactured-home-selling-for-150000-is-a-bargain/

It should be the national umbrella association’s task to routinely reply to each and every falsehood.  Or to promote each and every good piece of news.  As MHI member Frank Rolfe noted, they don’t do so.

There’s good reason to believe MHI knows that rebutting falsehood is wise.  Their own prior chairman said there’s a good case to be made for that practice.

So why doesn’t MHI promote useful news that they don’t create?  Or why is MHI piddling-around with problematic advertorials, and videos that focus on only 4 members, that are barely getting watched?

 

As far as appreciation is concerned, it is insightful to see what the lender said in the article linked below.  Because he summarizes the drivers behind gain-or-loss of value in any form of housing, not just manufactured homes.

 

http://www.mhmarketingsalesmanagement.com/blogs/daily-business-news/where-a-14×60-single-section-manufactured-home-selling-for-150000-is-a-bargain/

 

You don’t have to agree with everything that Frank Rolfe says or does to see the wisdom of having the national umbrella association’s task to include routinely replying to each and every falsehood.  Would that make a difference with widely respected professionals like Ramsey?  Could it hurt?

On the Dave Ramsey Show website, there was an episode where, “Dave speaks out against big taxes on the rich and invites people who disagree with him to call in and go head-to-head. In this hour, Dave argues about why the Warren Buffett rule is a lie and responds to a caller’s claim that many of the wealthy are irresponsible.”

 

Warren Buffett Wants an MH Shark Tank – Clayton, 21st, MHI, ‘Gift that Keeps Giving’

Based upon that, one might think that Ramsey doesn’t seem to be a fan of the Oracle of Omaha.

So does Ramsey understand the role that Buffett’s “moat” plays in depressing the demand for manufactured housing in ways that benefit the widening of said Clayton/21st/VMF et al moat?

That’s a point that Berkshire Hathaway dominated MHI is unlikely to make.

This is another reason why no matter how nice most people or members at MHI may be, the organization itself needs to have their records forensically examined.  Buffett’s businesses need to have the widest possible array of inquiries. Once those investigations are accomplished, any and all legal action that are warranted should be taken.

That’s a key part of how the industry can break free of its still relatively low production and sales levels.  It is also the fact-based, logical key to making sure that manufactured home owners get the maximum value out of their housing investment.

We Provide, You Decide.” © (News, analysis, fact-checks, and commentary.)

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Soheyla is a managing member of LifeStyle Factory Homes, LLC, the parent company to MHProNews, and MHLivingNews.com.

 

Celebration, Fact Check$, Plus Small Biz Nuts and Bolts on 2018 Tax Changes

January 3rd, 2018 Comments off

TestingTaxCutsCBSDailyBusinessNewsMHProNewsThe National Federation of Independent Business (NFIB) issued the following statement in a release to MHProNews.

President and CEO Juanita Duggan, speaking about the on Tax Cuts and Jobs Act becoming law:

NFIB fought for decades for a real tax cut for small business owners. The Tax Cuts and Jobs Act dramatically improves the way small businesses are treated, delivering hundreds of billions of dollars in tax cuts,” she said.

Small business optimism has been near record highs all year long in anticipation of this moment. Starting in 2018, millions of small businesses will have substantially more money to convert their optimism into investments. They can buy new equipment, increase inventory, pay workers more, create new jobs, and engage in the economic activities that drive the U.S. economy,” per Duggan’s statement.

VPMikePenceNFIBPresidentJunaittaDugganSmallBusinessConfidenceThe Tax Cuts and Jobs Act is a once-in-a-generation achievement. This is a historic day for small business and the country. We are grateful to President Trump for his leadership on this issue, which started even before he took office. Today he fulfilled his promise to cut taxes for American small businesses,” according to the NFIB.

From left-of-center CBS, we learn that the tax cut bill will in fact help the middle class.

As regular Daily Business News readers know, NFIB has over 300,000 members, hundreds of whom are reportedly from the manufactured home industry.

While the tax law will bring changes that are routinely being celebrated, per experts, as good for the middle class and small business, understanding the changes can help maximize benefits for small businesses.

The right-of-center Fox Business video above may prove useful. ## (News, analysis, commentary.)

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Submitted by Soheyla Kovach to the Daily Business News for MHProNews.com.

Mobile and Manufactured Home Fire Reports, Fact Check, Industry Impact

December 11th, 2017 Comments off

LilacFieDestroysTightlyPackedMobileHomeParkFallbrookDailyBusinessNewsMHProNewsWe need to get these people out” of that “mobile home park. These homes are going to go up in flames,” said Shannon Handy, a reporter for CBS8 Local in California, near the end of the video embedded below.

The male co-anchor of CBS8 Local makes the more correct statement after Handy’s, but it is at the end of the video.  Namely, that the fire will take everything in its path.

But for about 4 minutes, the viewers are treated to the tragic scene of dozens of factory-built homes that were burned down.

Beginning with their headline, their written and video news item was an emotionally-charged report, which tended to make the “tightly packed” “mobile home park” – their words – look bad.

With dozens of those homes burned down to their frames, there is no visual evidence to help determine if the homes were indeed pre-HUD Code mobile homes or post June 15, 1976 safety standards manufactured homes.

But as a careful read of their own story stated, or what the male anchor closed with said, any house in the path of that firestorm being swept along by Santa Ana winds are at risk.  Hundreds of site-built houses have been lost recently in similar blazes.

Had these units been condos or apartments – far more tightly packed than any manufactured home community – those would have been equally charred ruins, for the reason that the male anchor stated.  The fire doesn’t discriminate.

They go over 3 minutes into the video before you see that some of the homes survived.  That’s certainly a potential issue, per the SPJ code of ethics standards.

 

SPJCodeOfEhticsProfessionalJournalistsCodeEhticsDailyBusinessNewsMHProNews720

CBS News 8 – San Diego, CA News Station – KFMB Channel 8

 

So how is it accurate reporting for local media to hype the tragedy of those so-called “mobile homes?”  Did they check with the community’s management for any details?  If so, there is no hint of that in their video.

There was also no clue in the CBS8 Local story that today’s manufactured homes are safer against an interior fire than conventional housing, per the National Fire Protection Association (NFPA) report that’s a download within the linked story below.

So as affordable housing is in crisis – most notably in California – what takeaway would someone listening to that report have, if they were considering a manufactured home?  What does that do to the resale value of existing manufactured home owners?

 

Keeping the Home Fires from Burning: Fire Safety and the Modern Manufactured Home

 

It Is Not a One-off News-Story, It’s Part of a Pattern…

2017 isn’t quite done. We are now into the time of year for increased home fire risks.

MobileHomeFire2017-12-11_0725DailyBusinessNewsMHProNews

Its obvious to an informed manufactured home professional that these Google searches that follow are skewed.  There’s only been a fraction of that number of pre-HUD Code mobile home, and post-federal-code manufactured homes, built.

MobileHomeFires2017-12-11_0730DailyBusinessNewsManufacturedHomeHousingIndustryMHProNewsLookAtTheFactsFactCheckMHProNewsLogoDailyBusinessNewsMHProNewsBut would a rushed reporter know that, as they are trying to form some basis and context for their reporting?

With many mainstream media outlets laying off staff – due in some measure to the increased competition from Google and Facebook for ad revenues – and a near perfect storm is emerging that impacts media, and those topics that the news is reporting.

Fewer reporters are trying to get stories out, and they may not always be doing the same level  or quality of research.

As you look at these literally millions of fire related stories under the “mobile home fire” Google searches, keep in mind that some stories are covered by multiple media outlets, or are shared via social media, etc..  No one will go through 55 million results.  There are likely other fires, like a ‘mobile phone’ that caught ‘fire’ while someone is at ‘home.’

But would the rushed reporter or editor consider those possibilities?

Or will they rely on bias and stereotypes – quickly reinforced by a problematic and shocking Google search result – like the two screen captures shown above?

Then consider what MHI award-winner, Marty Lavin said about the industry’s “other image campaign.”

With that context, industry professionals should be mindful that the Ohio Manufactured Home Association (OMHA) fought a long campaign that was ultimately unsuccessful over what their Governor John Kasich (R-OH) inaccurately termed the increased dangers that come from fires.  Even though their home owners association sided with the industry, OMHA still was unable to carry the day due to heavy political spin.

 

Manufactured Homes Commission Abolished, Effective January 21, 2018

 

In hindsight, the industry may see why the OMHA’s battle was far more important nationally than one might believe.  Because Gov. John Kasich (R-OH) spun the matter as ‘how unsafe this form of factory built housing was,’ and that justified the ‘need for more regulation.’

 

Drama in Ohio: Fake News, Facts and Myths

Sharing articles on MHLivingNews like the one below, which sites third-party research, and cites a fire official, can only help.

Avoidable Tragedies! Mobile Home Fires vs. Manufactured Home, and Conventional Housing

The report linked below published earlier today about responding to problematic mainstream media reports comes into greater focus in the light of such mostly negative media coverage.

Only 2 Choices – Media Engagement, Manufactured Homes, & You – Monday Morning Sales Meeting

There are 2 and only two choices when it comes to addressing the issue of bad news that hits your market(s).

  1. Do nothing, and hope it blows over.

2) Or do something.  See that clarifying report, linked above.

TheOnlyWayToDriveOutBadInformationIsGoodInformationDailyBusinessNewsMHProNews

It should be simple, and obvious.

The only way to drive out bad information, is with good information that’s routinely repeated. “We Provide, You Decide.” ©  ## (News, fact checks, analysis, commentary.)

2 Week Notice: MHProNews will be on a somewhat modified publication schedule from now through January 2nd, resuming normal scheduling in 2018. More details, click here

Note 2: Looking for our emailed MH Industry headline news updates? Click here to sign up in 5 seconds. You’ll see in the first issue or two why big, medium and ‘mom-and-pop’ professionals are reading them by the thousands, typically delivered twice weekly.

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