Posts Tagged ‘Facts’

Census, HUD Official Residential Construction Report for April 2019, Dare to Compare to Manufactured Housing Data

May 16th, 2019 Comments off



Our publisher was laughing this morning after he read an email.  When asked what the joke was, he replied by showing a pro-Manufactured Housing Institute trade media outlet that was announcing their ‘State of the Industry’ upcoming report.  “The state of the industry can be summed up by statistics,” said L. A. ‘Tony’ Kovach, as the laughter faded, replaced by a sober look, “which reflects the dismal reality that during an affordable housing crisis, manufactured housing is selling fewer homes today than 15 years ago, when Warren Buffett’s Berkshire Hathaway entered the manufactured home industry by buying Clayton Homes.  Coincidence?


He added two question.  “Do you think that trade publisher will look at the underlying issues or evidence that have contributed to the industry’s decline?  Or do you think they will be doing more cheerleading, as more slow-motion consolidation takes place?”




Time will tell what the pro-MHI echo chamber might produce next. We’ll plan to report on what their latest spin on reality might be.

That said, HUD’s and the U.S. Census Bureau’s Residential Construction report for April, 2019 is out this morning.  Following their data-driven report, there will be a recap of HUD’s new manufactured home shipment data.




U.S. Dept. of Housing and Urban Development (HUD)               U.S. Census Bureau


May 16, 2019




WASHINGTON – The U.S. Department of Housing and Urban Development (HUD) and the U.S. Census Bureau jointly announced the following new residential construction statistics for April 2019.



Building Permits


Privately owned housing units authorized by building permits in April were at a seasonally adjusted annual rate of 1,296,000. This is 0.6 percent (±2.6 percent)* above the revised March rate of 1,288,000, but is 5.0 percent (±1.4 percent) below the April 2018 rate of 1,364,000.  Single‐family authorizations in April were at a rate of 782,000; this is 4.2 percent (±1.2 percent) below the revised March figure of 816,000.  Authorizations of units in buildings with five units or more were at a rate of 467,000 in



Housing Starts


Privately owned housing starts in April were at a seasonally adjusted annual rate of 1,235,000.  This is 5.7 percent (±13.0 percent)* above the revised March estimate of 1,168,000, but is 2.5 percent (±10.4 percent)* below the April 2018 rate of 1,267,000.  Single‐family housing starts in April were at a rate of 854,000; this is 6.2 percent (±13.7 percent)* above the revised March figure of 804,000. The April rate for units in buildings with five units or more was 359,000.


Housing Completions


Privately owned housing completions in April were at a seasonally adjusted annual rate of 1,312,000.  This is 1.4 percent (±15.5 percent)* below the revised March estimate of 1,331,000, but is 5.5 percent (±11.9 percent)* above the April 2018 rate of 1,244,000.  Single‐family housing completions in April were at a rate of 918,000; this is 4.1 percent (±13.4 percent)* below the revised March rate of 957,000. The April rate for units in buildings with five units or more was 381,000. The February report is scheduled for release on March 26, 2019.




In interpreting changes in the statistics in this release, note that month-to-month changes in seasonally adjusted statistics often show movements which may be irregular. It may take three months to establish an underlying trend for building permit authorizations, six months for total starts, and six months for total completions. The statistics in this release are estimated from sample surveys and are subject to sampling variability as well as nonsampling error including bias and variance from response, nonreporting, and undercoverage. Estimated relative standard errors of the most recent data are shown in the tables. Whenever a statement such as “2.5 percent (±3.2 percent) above” appears in the text, this indicates the range (-0.7 to +5.7 percent) in which the actual percentage change is likely to have occurred. All ranges given for percentage changes are 90 percent confidence intervals and account only for sampling variability. If a range does not contain zero, the change is statistically significant. If it does contain zero, the change is not statistically significant; that is, it is uncertain whether there was an increase or decrease. The same policies apply to the confidence intervals for percentage changes shown in the tables. On average, the preliminary seasonally adjusted estimates of total building permits, housing starts and housing completions are revised 3 percent or less.


* The 90 percent confidence interval includes zero. In such cases, there is insufficient statistical evidence to conclude that the actual change is different from zero.




The data above sums up what MHI’s own flatly stated report, without presenting a solution to the problems that their own slogan indicates lies in their purvey.


MHARRR’s analysis of HUD Data revealed that 8 of the 10 of the top ten states in manufactured housing shipments are behind in year-over-year totals.



While MHI in their monthly shipment report doesn’t deny the decline, neither are they addressing the underlying causes, nor have they proposed a remedy via their messages to the industry. Why not?

But somehow, MHI managed to claim in their late 2018 self-promotional video that they had ‘momentum’ – which is true, if they meant reverse momentum. Or momentum in the sense that more consolidation is underway.


While MHARR’s mission is to represent producers in regulatory concerns at the federal level, due to the severity of the concerns, they’ve stepped up and are initiating projects aimed at addressing zoning, placement, and finance related challenges. See the related reports, further below the byline, offers, and notices.


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



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

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MHARR Launches “Fighting Discriminatory Zoning Mandates” Manufactured Housing Project

HUD Code Manufactured Home Production Decline Continues, May Updates

MHARR Calls on HUD Secretary to End Discriminatory And Exclusionary Zoning of HUD-Regulated Manufactured Homes

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


Rope-a-Dope – Preserving Access to Manufactured Housing Act, Mom, Dad, & You














Tax Day Infographic, Fascinating Facts At A Glance

April 15th, 2019 Comments off

TaxDayInfographicFascinatingFactsAtAGlanceManufacturedHousingIndustryDailyBusinessNewsMHProNewsUnless you are in Maine or Massachusetts, taxes have to be filed, or an extension and any payments due must be submitted by mail or electronically today.  As WalletHub put it, “No one likes Tax Day, except for accountants and Uncle Sam.”


They go one to say that, “We’ve spent billions of hours preparing billions of dollars in payments since tax season began Jan. 28. We’re grappling with a tax code that’s longer than all of the Harry Potter and Game of Thrones books combined. We’re also scrambling to satisfy and take full advantage of recent tax reforms. Tax preparation can be a frightening prospect for many people as a result.

MHProNews has raised the issue of the inefficiency of the tax laws before.  That noted, here is their insightful infographic.



Since the tax cuts of 2017, tax revenues have risen.  But small businesses are arguably more hobbled by the complexities of the tax laws than larger ones.  The power to tax, the power to regulate is the power to destroy.



The tax cuts of 2017 resulted in more tax revenue. That fits the historic pattern, under Democratic President John F. Kennedy (D), or Ronald Reagan (R).

Two more factoids we’ve cited before are above and below.  We aren’t necessarily advocating for a flat tax, but it is worth pondering the issue.



If tax experts can’t agree, how are regular people supposed to accomplish the goal of an accurate tax return?

That’s manufactured home “Industry News, Tips, and Views Pros Can Use.” © where “We Provide, You Decide.” © ## (News, analysis, and commentary.)



To report a news tip, click the image above or send an email to – 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.

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

1) To sign up in seconds for our MH Industry leading emailed news updates, click here.


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.

2) To pro-vide a News Tips and/or Commentary, click the link to the left. Please note if comments are on-or-off the record, thank you.

3) Marketing, Web, Video, Consulting, Recruiting and Training Re-sources

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

Related Reports:

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Fascinating Thanksgiving Factoid, Socialism Preceded Thanksgiving in America

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“Feeling the Bern” – Love or Hate Sanders, Take Him Seriously – plus MH Stock Market Updates


Game On: “Socialism is About Power, not Equality,” Space Force, and Battle for Manufactured Housing Independence

Grasping True Value of the Green New Deal for America, Affordable Housing Professionals and Advocates

Conquest Capitalism – Thoughts of Chairman Warren Buffett – Billionaires Campaign to Control Trillion Dollar Affordable Housing Market

Warren Buffett’s Moat, Understanding Manufactured Housing Requires Grasping Strategic Economic Moats







Wall Street, Lesli Gooch – Manufactured Housing Institute EVP – Penetrating Scotsman Guide Interview Analysis

January 26th, 2019 Comments off



Timely information combined with money can move stocks and markets. Information may be legally or illegally used, as the growing storm clouds over Cavco Industries (CVCO) concerning certain trades by Joe Stegmayer and Cavco reminded the manufactured home industry and its investors.  But note that Stegmayer and Cavco are not directly tied into today’s analysis, though they will be the focus of a looming report.


There was an interview reported this past week by the Scotsman Guide with the Manufactured Housing Institute (MHI) Executive Vice President (EVP) Lesli Gooch, Ph.D. That publication has quoted MHI previously.

Before examining Gooch’s comments and their timing, one should pause and do a brief refresher on the award-winning Oliver Stone movie, Wall Street.  Some selected quotes from Wikipedia will serve to tee up the ball, by conveying plot-lines that convey fictional but still useful concepts.  Each bullet is a quote from the link here.

     Bud Fox is a junior stockbroker at Jackson Steinem & Co. in New York City. He wants to work with his hero, Gordon Gekko, a legendary Wall Street player.

     Bud provides him [Gecko] some inside information about Bluestar Airlines, which he has learned in a casual conversation with his father, Carl, leader of the company’s maintenance workers union.

     …Gekko offers Bud another chance, and tells him to spy on British CEO Sir Lawrence Wildman and discern Wildman’s next move. Bud learns that Wildman is making a bid for a steel company. Through Bud’s spying, Gekko makes money, and Wildman is forced to buy Gekko’s shares to complete his takeover.

     …Bud is promoted as a result of the large commission fees he is bringing in and is given a corner office with a view. He continues to maximize inside information and use friends as straw buyers to provide more income for him and Gekko. Unknown to Bud, several of his trades attract the attention of the Securities and Exchange Commission.

     …Bud devises a plan to drive up Bluestar’s stock before manipulating it back down…” 


The MH Evening Market Report 

Every evening for several years, the Daily Business News on MHProNews does a closing market recap of specific manufactured housing industry connected stocks after the closing bell. What years of observations have yielded helped forge an evolving evening market report. Every business news show or website is premised in part on the notion that news stories, data, headlines, and insights often move one or more stocks, or even the broader markets.

For balance, MHProNews uses bullets from CNN Money and Fox Business, to allow for the media’s evident left-right divide. We use closing market data from CNN, Yahoo, and Bloomberg too.



MHProNews looks at issues from a wide variety of perspectives.


That a mere statement can move stocks and/or the broader markets is beyond question. For example:

Warren Buffett, Jeff Bezos, and Jaime Dimon made a public announcement in 2017 on the day of President of the United States (POTUS) Donald J. Trump’s State of the Union (SOTU) Address. Healthcare stocks, and much of rest of the markets dropped that day, as an apparent result.  Prior to that, stocks had enjoyed a long, steady rise.

Words and ideas apparently matter to Wall Street and investors. Who speaks those words matters too.

With that backdrop, let’s consider what “Dr. Gooch” from MHI said to the Scotsman Guide, as well as what occurred. There are no specific allegation being made. But the facts, quotes, narrative, and the outcomes after the shutdown will be considered. 

Let’s next look at some selected items from Scotsman Guide (SG) Media’s About Us page.

Scotsman Guide, the leading resource for mortgage originators, is published nationally every month in separate residential and commercial editions


Our History

Scotsman Guide Media is privately held company that has served the mortgage lending industry since 1985

Mission Statement

Scotsman Guide Media’s mission is to be the leading provider of information, resources and tools for professionals in the mortgage industry —in both the residential and commercial markets.

Toward this goal, Scotsman Guide Media has been taking the following steps

         Publishing educational articles and in-depth news-based features that keep mortgage professionals apprised of market trends and developments…”

The Daily Business News on MHProNews now turns to the actual SG article, starting with the date, time stamp, and featured image as shown.



Top Headlines 

Jan 22, 2019  16:50 ET.

Shutdown threatens manufactured-home industry

The government shutdown hasn’t widely affected the manufactured-housing industry yet, but a prolonged closure has the potential to stop deliveries of new manufactured homes all over the country, an industry trade group says. 

The U.S. Department of Housing and Urban Development’s (HUD’s) Office of Manufactured Housing, an agency that oversees the building code and certification process for manufactured homes, has been closed during what has become the longest government shutdown in U.S. history. This has only so far affected manufacturers producing homes that require letters of approval for alternative construction, according to the Manufactured Housing Institute (MHI), an industry trade group.  

HUD often opts to approve alterations in approved floor designs or other features in manufactured homes on a case-by-case basis.  Because of the shutdown, HUD’s office can’t do that, leaving some manufacturers in limbo, said Lesli Gooch, MHI’s senior vice president for government affairs.

“If you don’t have approval through the alternative-construction process, that house can’t be delivered because that house can’t receive the HUD code-certification label,” Gooch told Scotsman Guide News. “We have a lot of manufacturers.”

Gooch said one plant in Mississippi, for example, was awaiting approval last week from HUD to install an HVAC unit that isn’t on its approved list. That company is producing manufactured-home units for the Federal Emergency Management Agency (FEMA).

“Because HUD is closed, they are not going to get approval, which means the production of these FEMA units is on hold until they get approval,” Gooch said. She said the trade group is still investigating how many deliveries have similarly been disrupted.

“I don’t have a sense of how large a problem this is as far as production being halted because of the need to renew an alternative-construction letter or the need to obtain an alternative-construction letter,” Gooch said. “The Mississippi issue is one that I was contacted about just because it is one federal agency requesting homes, and they can’t be built because HUD is closed,” she said.

Gooch also said there is the potential for widespread problems should the shutdown drag on for another month. MHI believes there is a possibility that the supply of HUD tags could run out because of the closure and budget impasse.  

Every manufactured home that is built and delivered in the U.S. — roughly 8,000 per month — has to be inspected and certified as having met safety standards. Once inspected, the manufacturer is given a red-metal tag, which is affixed to the exterior of the building to verify that it meets the standard. The home can’t be delivered to a customer until it is tagged.

“Based on our research, the industry’s PIAs [primary inspection agencies] should have enough labels on hand to get through the end of February,” Gooch said. “If the government shutdown continues, early March is our first estimate of when a problem could develop.” 

For the duration of the shutdown, HUD has also stopped the Title 1 loan program, which backs a small number of chattel loans each year used by borrowers to buy manufactured homes that aren’t titled as real property.  

 ## End of SG article being reviewed ##

The original article from the Scotsman Guide is linked here, and a download of the screen capture of that article’s page as of the date of this Daily Business News on MHProNews post is linked here.

Now, let’s turn to two graphics from our evening market reports.  The first is from the evening of 1.23.2019.  This would be the day after Gooch’s quoted commentary, shown above.


Berkshire and MMI clearly have other interests, beyond manufactured homes, as is true of some of the other tracked stocks shown above. But Cavco is a factory-built housing focused firm. The majority of the tracked stocks fell on the day following Gooch’s comments.


The next graphic is from the evening of 1.25.2019, after the end of the partial federal shutdown was announced.


Virtually all tracked stocks moved up by the close of the market’s day following the partial federal shutdown. Next, look at what the broader markets did on 1.23.2019 and on 1.25.2019.


Note that there was already Washington, D.C. and media scuttlebutt that a deal to end the recent shutdown was already in motion at the time the Scotsman Guide article was published.  Note too what the broader markets did on both days, which largely closed up.



These 12 indicators are published every evening on the Daily Business News on MHProNews market summary and related featured report. Note that the markets generally rose both days, but on the 1.23.2019, the manufactured housing industry’s connected tracked stocks largely fell. It could be a coincidence. But what if Gooch’s article – intentionally or not – was used by traders and investors to reconsider some of their positions in manufactured home businesses?


Then consider this point.  There are arguably few manufactured home industry professionals, much less stock market watchers and investors, who would have even considered the notion that a partial federal shutdown could impact manufactured housing at all.

So why make did Gooch make those comments in the first place?

As was noted at the top of this column, Joe Stegmayer is under the cloud of an SEC subpoena. He stepped down as Chairman and CEO of Cavco, and the stock plunged as a result. A follow up report on that topic is pending, as there are new developments learned about that fiasco, which will be reviewed in the days ahead by MHProNews. 

But for now, we will simply note the obvious. Stegmayer is still MHI’s Chairman. He is an ex-division president of Clayton Homes, a Berkshire Hathaway company. Since the time that Triad Financial Services CEO Don Glisson, Jr was briefly their chairman, MHI apparently has had no problem with keeping someone on as chair that has come under a cloud of legal or media suspicion. Consider these three. 

   Better Business Bureau (BBB) “F rated” SSK Communities’ partner Nathan Smith

   Tim Williams, President and CEO or Berkshire Hathaway owned 21st Mortgage Corp, and

   Joe Stegmayer of Cavco Industries (CVCO) have all come under a cloud of legal, media, regulatory, and/or some other combination of suspicion. 

None of those 3 bothered to step down as MHI Chairman.   Although MHI has postured efforts for growth for years, the industry has steadily been consolidating. Sales have been moribund, in spite of overall quality and satisfaction that third party research has documented. One such example of their party praise is linked here.


Questions, Questions…

There ought to be some open questions from investigators that seek honest answers as to why Gooch would make these statements in the first place.

  • Who did or might have benefited from Gooch’s odd statements?
  • Who did this potentially impact – or which firms might have been harmed – by Gooch’s statements?
  • Were her arguably misguided comments merely foolish? Or where they a page out of the MHI play book – namely, actions and/or inactions that harm independents – that also fits loosely with a plot-line of the movie Wall Street?

What is certain is that Congressional hearings and an SEC investigation ought to be conducted related to several issues connected to the Manufactured Housing Institute. But it won’t be only about the article reviewed above. It should also be about the facts and evidence from articles linked below the bylines and the notices that follow.

We opened this with the words, “Timely information combined with money can move markets. Information may be legally or illegally used…”  There’s an affordable housing crisis.  Yet, manufactured housing is snoring instead of roaring.  MHI claims to be promoting the industry.  How did Gooch’s comments promote confidence?



See MHI President Richard ‘Dick’ Jennison’s comments, linked below the byline. Also see what MHI’s prior president said at this link here.


Corruption, waste, fraud, and other abuses in the Washington, D.C. metro are not new.  But that doesn’t mean that they should be tolerated.

Something has smelled in certain offices in Arlington, VA for some time. And it’s not a flowery aroma.  Rather, it’s arguably the stench of a string of troubling incidents and concerns connected to MHI that has made them worthy of suspicion, which our coverage and analysis of such #nettlesome things have made this pro-manufactured housing growth publication the most widely read trade media in this industry today. 

That’s MH “Industry News, Tips, and Views Pros Can Use” © where “We Provide, You Decide.” ## © (News, analysis, and commentary.)



To report a news tip, click the image above or send an email to – 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.

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

1) To sign up in seconds for our MH Industry leading emailed news updates, click here.


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.

2) To pro-vide a News Tips and/or Commentary, click the link to the left. Please note if comments are on-or-off the record, thank you.

3) Marketing, Web, Video, Consulting, Recruiting and Training Re-sources

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


Related Reports:

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MHI CEO Dick Jennison’s Pledge – 500,000 New Manufactured Home Shipments

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Midwest Manufactured Housing Federation Official Louisville Show Communique to MHProNews


“The Illusion of Motion Versus Real-World Challenges”

Production Decline Continues in November 2018









MHI Allies Respond, Provide Confirmation to #NettlesomeThings, Facts, and Clayton/Berkshire Exposés

December 17th, 2018 Comments off



The issue that follows is tied to allegations of corruption, how that impacts affordable housing, and thus millions of Americans, plus taxpayer funded budgets.  At its core, it’s not a matter of one political party over that one.


It seems that the Manufactured Housing Institute (MHI) and the Berkshire Hathaway brands that operate in manufactured housing backing the Arlington, VA based trade group may be embarrassed.

Rather than respond directly to various allegations against them, they have demonstrably used one or more MHI surrogate(s) to attempt to distract from the concerns over their purportedly corrupted work.

So, this report and analysis is about one/more self-identified ally(ies) of MHI, which last year sent via U.S. Mail the package shown further below – designed as an apparent intimation tactic.  The goal was to attempt to dissuade us from publishing on these concerns.  Note that inside the rather large anonymously sent envelope, which has been examined by federal officials – clearly identifies the person who sent the anonymous envelope as working on behalf of the interests of MHI.

Perhaps they didn’t expect us to publish further about that topic last year?  If so, they were clearly mistaken. We at MHProNews have no intention of being silenced by underhanded and arguably illegal tactics. Misusing the U.S. Mail is a federal offense.

If MHI, Clayton, 21st and the other Berkshire brands want to disprove any of our published allegations or concerns, we invite them anew to do so in public. See a new, in depth report, linked here, on their latest major purported scheme that once more aims at diverting lending from affordable housing, as well as harming several of the independent producers of our industry. If MHI and the Berkshire brands in manufactured housing can’t or won’t disprove the concerns against them, doesn’t that speak volumes?

Numbers inside and out of the factory-built housing industry agree that MHI does nothing contrary to the interests or desires of Clayton Homes, and the various affiliates of Warren Buffett led Berkshire Hathaway that operate in the manufactured housing industry.



To understand what follows, some added insights are merited.

First, the additional background.  Then, the connections and ties to MHI, and what we will refer at times to as the Berkshire brands operating in MHLand, MHVille – i.e.: the manufactured housing (MH) industry, or the MHIndustry.

When we mention allegations against MHI, Clayton, or a Berkshire related issue(s), we use terminology that makes it clear that in the eyes of the law, they are deemed innocent until proven guilty, by plea on criminal matters, and/or via a settlement agreement in the case of a civil cause of action.

Videos like the following two in 2018, and a third one from a few years ago, are all third-party media. They may provide claimed evidence against them Clayton and their sister companies.  But the above principle applies, they are deemed innocent in the eyes of the law, until a matter is proven, pled, and/or legally settled.



Note that these video sources span the left-right media divide.




Now, let’s briefly look at justice in America, because many believe there is a two-tier system. One where the rich or famous can delay or avoid convictions of crimes that others accused of the same things could more swiftly be found guilty of doing.

Possible examples are former President Bill and former Secretary of State Hillary Clinton, and their scandal-plagued Clinton Foundation, as noted in the second and third video, above.

With that preface, let’s next look at the justice system as it applies to our industry. Because certain practices in both are arguably in need of reform.


The Justice System in America, and MHVille

Why do we as a nation lock up convicted criminals? Because if someone is proven guilty of fraud, theft, robbery, rape, RICO, human trafficking, drug dealing, murder, or whatever other serious crimes – they are presumed to be more likely to do it again if they aren’t incarcerated.

So, the goal of incarceration in a prison is in theory to stop more crime from being committed by those proven guilty.

Before someone goes to prison in America – prison, vs. jail – the law provides that they get a defense attorney or one is assigned to them.




If the defense attorney for an accused has moxie and resources, there are a wide range of ways they can legally attempt to refute or cast doubt about an accused person’s guilt.

In civil litigation, both parties have the right to an attorney too, although there are times someone or some organization for whatever reason opts to represent themselves. Even in a criminal defense case, one can go “pro se” or “pro per.”




The Great Manufactured Housing Debate – Guilty…

MHProNews and MHLivingNews are subsidiaries of LifeStyle Factory Homes, LLC. The registered principals of LifeStyle Factory Homes LLC are L. A. ‘Tony’ Kovach and Soheyla Kovach.

They are arguably guilty! Guilty!

Guilty of what?

1) Of wanting to see manufactured housing independents grow and profitably succeed.

2) They are also willing to plead guilty of trying to honestly elevating the image of manufactured housing, manufactured home owners, and honorable manufactured housing professionals.  They strive to do so with facts, evidence, reason, and common-sense.

3) The evidence or proof of that guilt are found on hundreds of articles and scores of posted videos on

There is even more proof found on But there is no court of law needed, because we  hereby plead guilty to counts 1 and 2 above.

Naturally, we as a business want to – and have in fact profited from – such efforts. News is a business, as we’ve underscored before. The fact that MHProNews is the runaway #1 in its niche of manufactured housing trade media is pretty good evidence that we have credibility with our audience.

4) What follows is a partial listing of reasons for credibility, conferred upon our operations’ work, on our team, and/or our publisher by others.

Various third-party mainstream media have spotlighted us or our publisher, for but a few examples:

The above are a partial listing only, none were paid for by MHProNews, and thus are more than enough to demonstrate that MHProNews is widely deemed to be a credible source from outside of our industry.  How about from within the ranks of MHVille?


Recommendations, Endorsements, Letters, Videos and Messages 

Every form of modern recommendation that once can think of has been provided to the work of LifeStyle Factory Homes, LLC and/or our publisher.

Are we perfect?  No, and never claimed to be so.  As a senior MHI member put it recently, “You seem to have conceptual IQ that is more important than spelling ability,” which is a humorous way of saying that we have typos.  Guilty. That same source added, “You [MHProNews] are prolific and you keep the headlines sexy.” Sexy? We’ll let that one go for now.

That said…


Over a Thousand Professionals Gave via LinkedIn Recommendations or Endorsements 

Based upon LinkedIn endorsements and kudos alone, we arguable don’t need or require any endorsement by MHI or from people connected to the Berkshire brands.

But we have those MHI- and Berkshire-connected kudos too.

  • Tim Williams – President and CEO of 21st Mortgage Corp, and then MHI Chairman:

To see the full on-the-record statement by Williams to MHProNews, click here.

  • Howard Walker, JD – the late ELS Vice Chair and MHI Executive Committee member:

The words of the late Howard Walker, ELS Vice Chairman, shared for publication with MHProNews.

  • Jim Clayton – founder of Clayton Homes and Clayton Bank  – by video:


  • MHI President and CEO, Richard ‘Dick’ Jennison by video and others too:

  • Ann Parman – since retired from MHEI,  the educational wing of MHI:



MHI and the Berkshire brands were delighted – demonstrably delighted – to have our support based upon the financial logic or merits of issues such as the Preserving Access to Manufactured Housing Act. Note that whatever the odds for success were – and the MHI backed bill never passed – it arguably merited support, for reasons the article linked here revealed.

So, both on MHProNews and on MHLivingNews our publishing and video was sincere.

That support of Preserving Access – and more – was also widely praised by state associations, MHI, and Kevin Clayton himself. He had one word to describe it in this email sent to Tim Williams, to another Clayton staffer, and which Williams forward to our publisher — “Strong….”


This forwarded email was forwarded to MHProNews by a third party. Why wasn’t all of the pro-industry research, video, and educational materials supporting MHI’s Preserving Access bill shared by MHI?


For those who think that all the praise from the Clayton organization is in the past, a Clayton Homes marketing team member praised our work for its thought leadership this year, in 2018.  They asked us for permission to use some of our work from MHLivingNews on the Clayton Homes blog.




Based upon the above, you or any objective person can thus see how difficult it must be for MHI’s or the Berkshire brands.  Standing in their shoes, with respect to the various antitrust and other concerns raised, they arguably can’t simply dismiss MHProNews, which they’ve praised too many time.  While other scandalous behavior allegations have been lodged against them by voices outside manufactured housing, inside our industry, our reporting, fact-checks and analysis have been dominating. As the most prominent voice, they have arguably attacked us indirectly rather than directly.

But we are not alone.  These same MHI/Clayton/Berkshire voices have tried to debatably go after the Manufactured Housing Association for Regulatory Reform (MHARR) too.

So, if they had a good explanation for issues raised in the related resources, found below the by-line, why do they avoid doing so?  Why don’t they merely debate or disprove – based-upon the merits – MHARR’s arguments – or our own research, fact-checks and reports at MHProNews?  Why?

It’s a tactic some refer to as Duck, Dodge, Dismiss, Distract, Detract, and/or Defame.



Award-winning investigative journalist Sharyl Attkisson – on the cover of her best-selling book – calls this tactic “The Smear.”



These evasion tactics are nothing new.  Cain used the same distraction and smear tactics against Able, but he also took it to the degree of murder.

In an honorable trade association, an association/trade organization is supposed to take input from members – and then based upon that input – craft one or more policy direction(s).

But MHI is debatably no ordinary association. A system is in place that essentially rubber stamps, for example, who will be the next MHI Executive Committee chair, vice chair, secretary, and treasurer. It is that ‘elected’ MHI Executive Committee that makes all final decisions that the paid MHI staff are then called upon to carry out.

For years, one or two of those four MHI Executive Committee members worked directly for a Berkshire brand.  Others had strong ties to Clayton, 21st Mortgage Corp, or another Berkshire brand. Nathan Smith and his scandal plagued SSK Communities for example, has such ties to Clayton Homes and 21st Mortgage. Nathan Smith’s SSK Communities has the distinction of having earned an “F rating” from the third-party Better Business Bureau (BBB).



In fact, among the current or past MHI chairman, you have to go back to the tenure of Don Glisson Jr., President of Triad Financial Services, to find one that didn’t or doesn’t have a serious allegation and/or scandal attached to them.  Joe Stegmayer, for example, is under a cloud of an SEC subpoena, and was a former Clayton Homes division president. By contrast, have you heard of any scandals attached to any recent MHARR elected chairmen?




Increasingly people inside and outside of our part of the affordable housing industry are realizing that where there is smoke, there is a likely fire.

When you follow the evidence of Buffett’s money trail, some of his gifts have flowed to the Tides Foundation and onto such as groups as:

Those in turn have been cited or published reports, protested, or objected to the behavior of Clayton Homes, their sister firms in MHVille, and/or protested at an MHI event.




In a video posted above, it is a former Clayton team member who is pointing their finger at Clayton Homes in their own Knoxville metro hometown media.  Ouch.

The feds have been investigating Clayton and others tied to them in manufactured housing for at least two years, and our sources tell us that their investigations are ongoing. Would the Feds waste the time on a company if there were no evidence?

Maxine Waters (CA-D) and 3 other Democrats have charged Clayton with racism, predatory lending, and with being a ‘near monopoly.’

So, with that brief background, the following envelopes comes in the mail, anonymously.  Bear in mind the first envelope below included an  unsigned letter from someone that identified themselves as clearly acting on behalf of MHI.

What’s inside the next set of envelopes are personal, family matters. Have you ever done something personal that may or may not be bad, but would require some explanation, otherwise it might be briefly embarrassing?  Have you or anyone you know ever squabble with family?

These matters involved legal disputes within our publisher’s family, dating back some 23 years ago. Who cares?  Besides, L. A. ‘Tony’ Kovach won, won, and won. As in, Tony Kovach won judgments and was not guilty of any alleged wrongdoing.

The first envelope that follows was sent from a self-identified MHI ally.  The envelope as you can see was hand-written. Big mistake. A letter inside that came with a packet of documents, and was turned over to federal investigators.   As noted, the cover letter was from someone supportive of MHI, and who opposed our MHProNews exposes about them.  Do we want such tactics used against a free press?



Scanned copy of envelope mailed to MHProNews, received on Friday April 9, 2017.  Misusing the U.S. Mail is a federal offense.


The Daily Business News on MHProNews reported on the above last year.  Following that 2017 report, there was a pause in such an anonymous letter.  That pause ended during basically the second half of this year (2018). Among those new anonymous letters since that resumption are a new series of letters and their contents, which the 6 shown below (see the dates shown).  Those letters were produced by using a printing device, and we won’t go into much more detail, because federal investigators are on this matter too.



Misusing the U.S. Mail is a federal offense.


The Offer to Claytons, Berkshire Brands, & MHI

There is a big fish to catch, one that lacks transparency, and it debatably isn’t MHProNews or MHLivingNews, as we are not trying to monopolize manufactured housing.

That said, we’ll make a deal – an offer to Kevin Clayton, Tim Williams, Richard ‘Dick’ Jennison, Lesli Gooch, et al should take us up on.

  • Appear on stage with our publisher at the upcoming Louisville Manufactured Housing Show, with third-party media and an array of video cameras to record the entire matter.
  • Our publisher will explain on camera in under 2 minutes the contents of these purported distraction and smear tactics envelopes, after Kevin Clayton and Tim Williams explains to the audience and the video cameras their Smoking Gun letters from 2010, the issues around “the Moat” video, and the undisclosed item related to the GSEs and their new class of homes initiatives.
  • Also, let Richard ‘Dick’ Jennison and Lesli Gooch explain on camera after Kevin Clayton and Tim Williams has spoken questions about the GSEs and the so-called ‘new class of homes’ related concerns. Because, the GSE “Duty to Serve” lending isn’t currently being made available for the least expensive manufactured homes, as the Housing and Economic Recovery Act (HERA 2008) arguably required.  Plus, let that pair from MHI answer questions regarding their multi-year Preserving Access effort. For example, why MHI PAC Chair Nathan Smith’s wife supported an opponent to candidate Rep. Andy Barr – when Barr has faithfully supported the Preserving Access to Manufactured Housing Act.
  • Then, let Jim Clayton explain why he supported the opponent of Rep. Marsha Blackburn for the U.S. Senate, when Blackburn was a loyal MHI supporter for Preserving Access.
  • After those three sets go first, Tony will gladly in under 2 minutes explain the guts of the distraction tactics they are trying to use against him and our trade media.  Then, let them all question and cross-examine each under. Let their be transparency in public and on camera.


Are those named up for it?  LifeStyle Factory Homes reserves to right to call as witnesses for such a media/video session those who have said off-the-record precisely how the Claytons, 21st, MHI or others have purportedly attempted to drive others of out of business, or force them into selling for less.  There are also others who have reported to us having under-handed tactics against them too.  After the first round of discussions suggested in the bullets above is complete, let let those who claim to be victims of MHI, Clayton or one of the other Berkshire brands take a microphone and tell their stories on video too.

In short, let’s have a robust, transparent discussion.


Thoughtful words, worth pondering. See the story, linked here.


Over the Target

L. A. ‘Tony’ Kovach has cited the axiom, “You aren’t taking flak unless you are over the target.” These anonymous documents from decades ago aimed at Tony, are arguably because Clayton’s ‘image’ efforts, and the latest MHI self-promotion video are distractions and/or fig leaves from the real issues that have kept manufactured housing snoring when it should be roaring.  Clayton has consolidated roughly half of the industry since 2003, using a variety of strategies that Warren Buffett broadly calls “the Moat.”



Ask yourself, why the GSEs aren’t supporting all HUD Code manufactured homes, which is the most affordable permanent housing available – instead of only supporting only the far more expense Clayton backed ‘new class’ of manufactured homes?

Every one of the tactics described herein or previously has reportedly been attempted or used on others, per those who have told MHProNews.  Some of those relating their personal stories about Clayton, MHI, et al shared them face-to-face. Others have via phone, message, etc.

Perhaps most significantly, if federal investigators are taking such concerns seriously, maybe more in media, public officials, MH industry professionals, and investors should too?  Don’t forget what is said on those third-party and mainstream video, further above. You don’t have to take our word for it, because we’ve laid out the facts, evidence, and the money trail.


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Why is there a growing affordable housing in crisis?  Call it a rigged system, manipulation, and/or corrupt practices.  That’s this morning’s “News through the lens of manufactured homes, and factory-built housing,” © where “We Provide, You Decide.” © ## (News, analysis, and commentary.)


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Related Reports: Click the Boxes Below to

“Check Your Facts,” “Follow the Money” – Journalist Sharyl Attkisson, Fake News, MHVille Takeaways


It’s Your Profession – Investment of Time, Talent, Treasure – So What’s Next?

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

Machiavellian “Godfather” – Sam Zell, Warren Buffett, Capital, Lending and Crossed Lines in Manufactured Housing

New York Times-David Leonhardt-“The Monopolization of America,” Manufactured Housing Slant



Ford and Toyota Teach Manufactured Housing Professionals and Investors

November 26th, 2018 Comments off



There are times that one must look outside of one’s industry or profession for useful insights. That’s the case with today’s Monday Morning Marketing and Sales Meeting.


Toyota has issued a recall for some 800,000 Prius vehicles, per NPR. Those recall totals are equal to about 11 years of the entire unit production of all new manufactured housing (MH).

Toyota said they sold some 2.4 million cars from 1500 U.S. dealerships in 2017 alone.  Did ‘bad news’ about recalls hurt them?

Let those fact sink in.

Because excuses are a dime a dozen.  What those facts should tell manufactured home professionals is that even with bad news – and that wasn’t the only bad news for Toyota – their average retailer sold about 1,600 vehicles each in just 1 year. That’s 133 vehicles averaged monthly per dealer. How many individual MH retailers sold as many units in a year, as a typical Toyota dealer sold in a month?

Then, consider the fact that part of Toyota’s business model – and that of every other major automaker – builds in an allowance in the price of every vehicle to cover the costs of just such safety recalls.

Put differently, Toyota and other carmakers build in for bad news.  Yes, manufactured home producers build in for service on homes too.  But why is it that ‘bad news’ impacts MHVille more than it does automotive, RVs, or other forms of housing?


MHVille Comments

We get comments from manufactured housing industry professionals that span the gamut. For example, some are about ‘quality’ issues in certain homes. Pardon me? Every automaker, every RV maker has ‘quality’ issues too, as that example above demonstrates. Does it keep them from selling many times more units annually than our MH industry does?

While there are service issues, third-party research reveals that overall satisfaction with manufactured homes by their homeowners is high, and the number of homes purchased that go to dispute resolution are a tiny fraction of a single percent of total production.  When scrutinized objectively, there’s far more good news to be found in MHVille than stories that reflect badly. Which begs the question, why does the MH industry struggle as it does?

Much of the challenge for manufactured housing professionals and investors is one of mindset and discipline.  Behind every ‘problematic’ news report we cover, there is a silver lining, for those with the eyes, wisdom, and guts to see it.

Drive by or go visit the nearest automotive super store or major RV center. Look at those huge inventories.   Realize that there are numerous locations selling hundreds of vehicles a month, all in a location near your own business.

Them step back and objectively ask yourself, why aren’t more manufactured homes being sold?  How many units a month are you selling per location?

  • When over 500,000 are homeless in America,
  • when the USA requires 8.3 million new housing units right now, per Chief Economist Lawrence Yun at the National Association of Realtors (NAR),
  • why will HUD Code manufactured homes finish the year at roughly 100,000 (+/-) new affordable housing units in 2018?
  • The reasons are many, and some are unjust.  But part of it is debatably a lack of vision, discipline, and willpower.


Facts Reveal Opportunities for Manufactured Housing in Disguise

Ford has recalls too. But Ford is paying to help answer that question of ‘why’ for modular factory-builders.

Ford teamed up with Curbed and The Verge to do videos about the Homes of the Future, which showcases modular building. Those videos are getting hundreds of thousands of views each. Meanwhile, Clayton Homes ‘stigma debunking video’ is flaccid. Clayton’s ‘image’ video is doing much like the ones they and a few others in MHVille made in conjunction with the Manufactured Housing Institute (MHI) to do ‘storytelling.’ In a word, ineffective. A year later, those so-called efforts by manufactured home companies and the biggest MH trade group have obviously failed at moving the needle.

ICYMI, or need a refresher, see the facts for yourself at the linked report below.


Clayton Homes “New” Image Campaign, Surprising Facts Behind Have it Made Stigma Attacking Video


How do we know that these videos are essentially ineffective? Simple. It is obvious from new manufactured home sales data.



Legacy Housing (LEGH) clearly believes in the future of the manufactured home business, because they are raising capital to expand their retail base. So while some accept their fate, others are determined to drive their own brighter destiny, despite issues or excuses given or accepted by others.


We periodically remind readers of the data claims made by MHVillage. Let’s take them at face value. If true, it means that millions deliberately surf a site to consider a manufactured home each year. But with millions looking, only 100,000 (+/-) new home buyers are going to actually close in 2018?

That, ladies and gents, is sad.  But it also represents opportunities in disguise.  It means that Clayton, MHI, or MHVillage either can’t or don’t do what they could to sell more homes.  Which implies that operations by independents can thrive in local markets almost anywhere where that the ‘big boys’ fail to perform to their potential.


For newcomers to the website not familiar with modern manufactured homes, learn more by clicking the image above or the link here. It only takes a reading articles and watching a few interviews or other videos to debunk the numerous false or outdated notions about modern manufactured homes.


Linked below is a new report on how many move every year in the U.S. Properly understood, that moving report suggests that your location could serve a line every week of buyers who want to shop for a manufactured home.  Rephrased, with the correct approach, at almost any local market, sales could profitably soar.


MH Marketing Insights – Where are Americans Moving? U.S. Moves, by State – Charts, Video


If you keep doing the same things, you will keep getting the same results. That’s reality. It was also a close paraphrasing of what the MHIdea has said (see that, linked below) in their call to create a new pro-growth, ‘let’s make more money honestly’ ‘MH dealers’ association.


Giving Thanks for Manufactured Housing Independents, Applauding “MHIdea!”

The #NobleNotMobile movement is IMHO the latest metaphorical slap in the face of MHI and Clayton Homes.  That initiative is being delivered by an MHI member operation.  They are arguably tired of the excuses and waiting for MHI and Clayton to do something more than mere posturing and a purported fig leaf.

MHI’s response to the new National Manufactured Housing Community Owners (NMHCO) trade association is to slam them in writing. What? After over a decade of clearly failed MHI ‘leadership,’ some state associations with chutzpah finally broke away from MHI over their failure to perform. And Nathan Smith, a former MHI Chairman, attacks NMHCO in writing in MHI’s email? That’s galling!

MHI is great at planning their next meeting, and the ones after that. Why? Because those are profit centers for MHI. Their own 990s say as much.

But when it comes to actually engaging and solving the issues that the manufactured home industry’s individual companies face, what’s MHI’s track record?

Again, the answer is found in the shipment data, but there is a silver lining for those with vision and moxie.



National Association of Realtors research routinely reflects the fact that some 85 percent of renters want to own. That’s the American dream. Home ownership, two vehicles in the driveway, some travel, and a nest egg for retirements – these are what most Americans want, and manufactured housing could unlock that dream for millions. Few opportunities in the U.S. are as big as manufactured housing, but it requires work. Or as Sunshine Homes President and CEO John Bostick has said, “Easy Doesn’t Pay Well.”


When you consider all of the data and opportunities, almost every market in America could be awash in new manufactured home prospects. Millions of them are well qualified to buy. Isn’t it time to put fear of the big boys, or old habits and thought patterns that keep you trapped, in the rear view mirror?


You Must Act Either On Your Own, Or With Others – Because MHI Has Apparently Failed You Repeatedly 

Hey, it’s MHI President and CEO Dick Jennison and their former Chairman, Nathan Smith who’ve said on camera that MHI has to admit that they’ve failed on several occasions. An understatement?


Now do you know why MHI has tried to keep our Inside MH video cameras away from anywhere that they publicly speak? Because their own words come back to haunt them, arguably for their years of failures to keep their own words.

The MHI response to such sad facts?

  • Attack the newly emerging trade groups.
  • Trying to undermine us at MHProNews, any way that the folks in Arlington – or their string pullers in Omaha or Knoxville or elsewhere – can.
  • Perhaps because they have no good case, they think smear tactics or some razzle dazzle will make them look better by comparison? Ha!
  • The national shipment data and their video views speak volumes.  The rest are details and commentary.

2018 is Ending, it’s Time for 2019 Planning

You as an individual, or as an independent business, have choices to make as 2018 winds down. You can keep doing what you are doing, and as MHIdea said, you will keep getting what you got.

You can choose to accept the latest excuse or razzle dazzle from the machine in Arlington. But then you have to look at the artificial headwinds that Omaha and Knoxville have arguably paid to create or allowed to exacerbate, as evidenced in recent years in reports linked here and at the end of this article.

Or you can decide to make a difference in your market. Not the nation, not the region. Your focus ought to be in any town or place you have a location.

  • If you don’t have the financial capability, then team up with someone else.  Where there is a will, there is a way.
  • But for the sake of your many would be customers, why buy into the posturing MHI/Knoxville elusive excuse machine? By depressing or failing to address the image/stigma, they’ve logically fuel buyer resistance, and make placement harder in local markets.


I’m not saying that UMH’s Sam Landy is right on everything, no one is right 100 percent of the time in business, including moi. But Mr. Landy was dead on when he said that each business is responsible for their own marketing. That same reasoning Sam used tells you that each business is responsible for their own sales results too.

Don’t like your bottom line results? Want to see growth? Then it is up to you to do what it takes in your market to convert dreamers into buyers.  When you learn to do so, you can watch your results flourish.

Toyota and Ford – almost any big automotive or RV dealer near you – are a reminder of what manufactured housing could be in that same market. Our industry was doing over 350% more new home sales 20 years ago than what it is doing today.  These are facts, facts, facts.  They are a wakeup call to you and thousands of your peers.




There’s plenty of excuses for not selling more manufactured homes. But excuses are a dime a dozen. You’ve read this far because at some level you sense that this makes sense and is based upon evidence and reason. At some level, you want more for yourself and your location.

Con men don’t tell you they’ve been conning you. As the number of independent producers, retailers, and communities dwindled, MHI kept having their profitable meetings. Imagine how they might laugh in Omaha and Knoxville at the gullibility of thousands of good MH professionals, who keep trusting the ‘leadership’ of MHI, as they keep doing the same things, hoping to get a different result.


MHProNews looks at the facts, considers the sources, and follows the evidence. Earlier last year, and for years before, MHI routinely replied promptly to all our media 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?




As 2018 winds down, independents have to make a choice.

We once called MHI the Monopolistic Housing Institute. Can you see why? Do you want to be the next, or even the last business eaten by the monopolists operating in MHVille? Or will you stand up for yourself and/or in tandem with others, and be all that your business was meant to be?

Smears, head-fakes, and more meetings by MHI and their purported puppet masters don’t put much money in your pocket.



The obvious reason they’re arguably attempting to smearing us or others trying to actually do something good is because they can’t or won’t publicly defend their own behavior and track record. There are obviously reasons why federal investigators are onto several of these folks, as recent mainstream media and MHProNews reports have documented.

  • Don’t be their next meal.
  • Don’t be their last meal.
  • Do be all that you can be.



Toyota and Ford are reminders that you can sell more new manufactured homes than you might think. But you have to look beyond the arguably proven track record of consolidation at the expense of independents that Nathan Smith laughs about in the video posted above.

One last thought. Don’t forget that in Japan, Toyota is building modular homes. Don’t forget that here in the U.S., any automaker could be building housing in short order.




It doesn’t take a rocket scientist to realize that Ford could be testing the waters with their videos.

There are reasons to grasp the big picture.  But one must also act in your own local market(s).



Is MHProNews growing despite push back, or because we are willing to spotlight and push back? Don’t just be an observer. You can make it happen in your market(s), learn more how at this link here.

The correct and honorable marketing and sales training are proven to make a difference. Don’t believe it? Ask Toyota and Ford. They or any big RV or automaker will straighten out any doubts. That’s the lesson that Ford and Toyota ought to be teaching you and your colleagues today. “We Provide, You Decide.” © ## (Marketing and sales tips, related news, commentary, and analysis.)

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Related References:

Failure, Success and Profitable Truth Detection for Manufactured Housing


Machiavellian “Godfather” – Sam Zell, Warren Buffett, Capital, Lending and Crossed Lines in Manufactured Housing

Beautiful, Harsh, Priceless Realties from a Master Builder, Monday Morning Marketing, Sales, Meeting

Failure, Success and Profitable Truth Detection for Manufactured Housing




Measuring Effectiveness, Facts and Course Corrections for Waste, Fraud, Abuse

August 22nd, 2018 Comments off


Effectiveness is the achievement of the desired objective.” – SoftwareMetrics report comparing private charities to the federal government. 


Across the left-right media divide, there are clear indicators of the scope of some problems that impacts every taxpayer, business, and citizen.

For example. Arguably the largest competitor to manufactured housing are federal, state, and local housing programs. These are designed to essentially make – mostly conventional housing – ‘cost less,’ by paying the difference through tax subsidies.  

But as even junior high school students used to learn decades ago, TANSTAAFL. “There Ain’t No Such Thing As A Free Lunch.”  Someone always pays. It’s a fantasy to say that the ‘rich’ will pay, because capital flees when regulations and/or taxation gets too high. That’s being proved true in reverse in America, when as tax rates and regulations dropped, capital is reportedly returning to the U.S. at the rate of $100 billion dollars a month. 

So the issue of entitlement programs ought to periodically be examined, though several different lens. Among those lenses ought to be the question, how effective are the programs? 


Waste, Fraud, Abuse  

Fraud, waste, and abuse in government spending drain billions of taxpayer dollars…For 2015, the White House estimated a loss of $137 billion through improper payments,” per Deloitte. But a prior Washington Post indicated that the Obama Administration estimate was far too low.  

The federal government lost $261 billion, or 7 percent of total spending, to fraud and waste in 2012,” reported the Washington Post March 10, 2013. 

Medicaid fraud costs the federal government a staggering $140 billion annually,” said the National Review, in Sept. 2016. Note that was Medicaid alone, not other parts of federal spending.  

Since fiscal year 2003—when certain agencies were required by statute to begin reporting improper payments—cumulative improper payment estimates have totaled over $1 trillion,” according to the Government Accountability Office (GAO).


But that doesn’t include the Department of Defense, said the GAO. 


CAGW’s Prime Cuts 

Citizens Against Government Waste’s (CAGW) has “…been publishing Prime Cuts since 1993.  The 2017 version contains 607 recommendations that would save taxpayers $336.2 billion in the first year and $2.3 trillion over five years.  The Congressional Budget Office (CBO) estimates that the fiscal year (FY) 2017 budget deficit will be $693 billion.  If all the Prime Cuts recommendations were adopted, a balanced budget could be achieved within three years.  Since CAGW’s inception in 1984, the implementation of its recommendations has helped save taxpayers $1.8 trillion.” 

Citizens Against Government Waste’s (CAGW) Sept 2017 report is linked here.



To see the 2017 Prime Cuts summary, click here or the graphic above.  


Federal Effectiveness vs Private Charity?

The top line of this could be as follows. Only 30 percent of federal spending goes to the actual recipient, per SoftwareMetrics, which in turn cited Cato and Charity Navigator.  If so, then 70 percent is going to administration, overhead, or the waste, fraud, and abuse cited above.


Their 3 page report and commentary by SoftwareMetrics that includes the above is linked here.



Putting Costs in Perspective  

Using the Heritage Foundation’s 2014 estimate that $22 Trillion has been spent on Great Society programs, and dividing that by 50 years, yields some $440,000,000,000 average annual cost.  

The following isn’t a proposal, rather, it’s a data point designed to make industry professionals and other readers step back and think about just how much money that represents. First, it could have essentially eliminated the federal debt.

Next, presuming

  • a typical homesite cost of $45,000 (that could be high or low, depending on location and market),
  • and an average manufactured home of $75,000
  • or $120,000 per home/site combined.  That $440 billion annually would be equal to 3,666,667 manufactured homes plus homesites combination.  

Rephrased, the federal spending is so great, that in less than three years the affordable housing crisis could be ended.  

Or here is another way to look at this huge cost. The spending is so great, that it could produce and more than pay for the number of total number of pre-HUD Code mobile homes, and post code manufactured homes currently in existence.



Some key manufactured home industry facts at a glance.


Ineffective, Rigged, and Corrupt System  

Washington, D.C. has become entrenched with this kind of inefficient, ineffective, and arguably corrupted system.  It took decades to build the existing system to this level. It won’t be undone overnight.  That means a patient, prudent approach is needed. 

The first step is understanding the issues. Articles like this are a part of that first step. 

The next logical step is to share that understanding with others. That can be as easy as emailing a link of this article to your circle, and ask people to give you their feedback.

Third, would be making prudent decisions on who to vote for and against. 

It should be self-evident that there are no perfect candidates. The choice always comes down to what appears to be the ‘lesser evil,’ or ‘the greater good.’ Excellence can and should be sought, but perfection among people isn’t achieved on earth. Thus, the need for a pragmatic ‘wheat and chaff’ approach.

As pragmatic political independents, we could editorially provide examples of who not to vote for; a great example is anyone promoting socialism. When “free” college, healthcare of any other ‘giveaway programs’ are touted by a politician, that’s a good indication that said politico is attempting to scam gullible voters. 

Those who want to ‘double down’ on failed programs would be another candidate for a no vote against them.

Finally, one must grasp just how amazing our economy could be if the federal bureaucracy were trimmed down to its historic core functions.  The states, localities – and best of all – private charities should be doing such functions. The ‘general welfare’ clause was never intended to do these functions, as is evidenced by the fact that such programs essentially didn’t exist until the 20th century.  

The goal of a dramatically smaller federal government would leave more money for everything else.  As the UC Davis Poverty Chart demonstrates, the free market was reducing poverty rates.   

Combining that with the boost provided by opening up affordable housing, including manufactured homes, in local markets through enhanced preemption and level-playing field financing would per the research in the related report below boost the national gross domestic product (GDP) by $2 trillion dollars annually.  That’s this morning’s “News through the lens of manufactured homes, and factory-built housing” © where “We Provide, You Decide.” © ## ## (News, analysis and commentary.)

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Related Reports:

FEAR, a Solution to the Affordable Housing Crisis, and the Manufactured Home Dilemma


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

Racism – Getting Increasing Prosperity, Stability, Safety, and Certainty

Reinventing HUD’s role in Quality Affordable Housing, Reducing Poverty and Dependency

HousingEconomics Releases New Data on U.S. Housing, Comparing MH and Stick Built Data

August 6th, 2018 Comments off



The ratio of single family housing starts to new manufactured home shipments, through June 2018, is more than 16 to 1. While that does represent upside, it also reflects how misunderstood manufactured homes are today.

HousingEconomics is part of the National Association of Home Builders ® (NAHB), an outlet for NAR data.


According to their website, “The NAHB Economics Group has provided research and analytical solutions to member companies and professional economists since 1970.” And “you can rely on the premier data source for the U.S. housing industry:”


Reliable data, what a nice thought.  MHI, are you listening?

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

When manufactured housing (MH) facts are compared to conventional housing, manufactured homes fare well.


So why is it that when the data from NAHB’s HousingEconomics for single and multi-family housing starts is compared to manufactured housing (MH), that the ratios for HUDVille’s MHs are so modest?


Part of the answer is found in the linked reports, found below.  That’s “News Through the Lens of Manufactured Homes, and Factory Built Housing.” © ## (News, analysis, and commentary.)

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Related Reports:

Manufactured Housing Shipment Totals, June 2018


They Did It Before…Sunday Morning Manufactured Home Industry News Headline Recap July Aug 5, 2018


“Fixing Our Industry’s Terrible” Public Relations, a Proven Strategy

Significant Slowdown of New HUD Code Manufactured Home Production Growth in June, Per Latest Data

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


Men in America, “Something Ominous” Sobering Comparisons with Women

March 8th, 2018 Comments off


Health experts are warning of a crisis in male fertility that they fear is making it harder for couples to conceive – a problem they say is compounded by a lack of scientific understanding,” says iNews.The average sperm count has dived by 52 per cent in the past four decades – while men are leaving it later and later before trying to have a child.”



These are just some of the sobering facts cited in the video report, posted below. They directly impact every business in America, factory built housing clearly included.


That report from England is mirrored in an even more sobering report here in the U.S. As factory-builders and others are often struggling for qualified, dependable workers, Tucker Carlson sheds led light on men in America, in what he claims is an under-reported crisis.


Something ominous is happening to men in America,” says Carlson, as he launched a new periodic series that talked about comparisons between men and women.

In category after category, the women are doing better, Carlson says the data reveals.


Men in America’: It’s odd how rarely you hear the problems with American men publicly acknowledged. Our leaders pledge to create more opportunities for women and girls, whom they imply are failing. Men are fine. But are they? The numbers say otherwise,” per FoxNews.

In offices, factories or wherever they are found, men die younger, are more likely to be in legal or other trouble. Single women are buying more homes at double the rate of single men, says Carlson. “American men are failing,” he says, “It’s a crisis.”

It is something that those in manufactured housing, when considered, suddenly comes to light.

Solutions begin with understanding that a problem exists, in an under 8 minute video report – which is sobering. ## (News, analysis, and commentary.)

Related MH Industry Reports:

Manufactured Housing, Prison Reform, Production, and Factory Built Housing Opportunitie$

High School Training Students for Construction of Modular Homes

Shortage of Skilled Tradespeople may Slow Recovery

Developer Points to Rising Data, But Still “Acute Crisis” – Videos, MH Opportunities

AI, Robots Replacing Skilled Positions More Rapidly Than Expected

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Skyline Corp, Champion Homebuilders Conference Call Presentation Facts, Figures, Forward-Looking Statements, Planned Merger Detail$

January 25th, 2018 Comments off


A few minutes after 9 AM ET, the previously announced conference call between Skyline and Champion took place.

The call lasted about 30 minutes.

There was no Q & A after their presentation.

The presenters generally followed the information provided in their power point.  The meat of the presentation, minus the typical SEC disclaimers, is below.















Note: some of the screen captures were cropped, but the data remains their same.

A transcript of the call is expected.

Previous Daily Business News reports on this planned merger are shown below.

What’s Happened Since the Skyline (SKY) Champion Homes Deal Was Announced? Plus MH Market Update$

Among the points made verbally where their anticipation of further M&A (mergers and acquisitions) opportunities.  They also pointed to more capital coming into the industry, specifically mentioning Fannie Mae and Freddie Mac beginning their FHFA approved start of chattel lending.

Last night’s closing numbers on Skyline, along with other manufactured home industry connected stocks, can be found at this link here.

MHProNews will continue to monitor this and other such developments for the industry.  ## (News, analysis, and commentary.)

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“What the Hell?” “The Audacity of Hope” – Obama, Trump, Presidential Promises Kept, & MH

January 5th, 2018 Comments off


Facts can be nettlesome.

Stating the obvious, successful businesses rely on facts.

Most businesses do better when there is economic, legal, and regulatory clarity. For investors and business professionals, certainty – dependability – matters.

Just as the power to tax is the power to destroy, so too regulatory burdens can be a barrier: 

  • for entering business, or
  • for staying in business.

As thousands of businesses in our industry and others painfully learned, destruction is just as real from tough regulations as they are from burdensome taxes.  High taxes are known to drive business from a high tax state to lower one.  High regulations do the same thing. They tend to drive business and investments from higher regulatory states to a lower ones with fewer regulations.

The certainty of that destruction is also what causes business and capital to move from a high tax and regulation nation to other nations where taxes and regulations are lower.

Presidents Obama and Trump have a unique claim they could both make. Each president has their own kind of promise keeping.

Each of their promises have impacted our branch of the housing industry, for good or ill. Those promises did the same for America…

For those who understand nettlesome facts about policies and economics, what would happen under Presidents Obama and Trump were/are entirely predictable.

“More Dangerous…Decisions” – Unlocking the Industry Professional’s Potential Power in 2018

Set aside style. Set aside emotions. Focus on the proven principles.

Business relies on hard facts, not feelings. Business in our factory built home industry – or any other industry- rely on a dependable tax, investment, and regulatory environment.

The President of the United States (POTUS) Barack Hussein Obama promised to fundamentally transform America. He kept that promise. He spoke and wrote about the “audacity of hope.” But the nettlesome facts are that Mr. Obama did so by contradicting numbers of claims he made while campaigning. 


Words can inspire, but they also matter as to what the words in fact mean in practice.

Now POTUS Donald John Trump made promises too. One of those campaign promises he made was specifically to minorities. “What the hell do you have to lose anyway?”- Trump asked in stump speeches on the campaign trail in 2016. After decades of what opponents of left-wing politics said was making life demonstrably worse for blacks and Hispanics in America, Trump asked for a chance, and promised to deliver for minorities and all Americans.

The small numbers of blacks and hispanics that combined with white working class “blue collar” workers is what tilted dozens of blue counties, into red ones for Mr. Trump. That’s what delivered Wisconsin, Pennsylvania and Michigan from blue to red, and won him the election in 2016. 


Principle-based reality matters more than rhetoric.

“Leaders Grasp Nettles” – Health, Professional, and Home Seekers Wisdom

But one more fundamental difference is that Mr. Trump was candid about who he was, and what he wanted to do.

Mr. Trump never claimed to be a saint. Voters knew what they were getting. Mr. Obama arguably was honest on some things during his campaigns, but not so on others. Who said? Gruber and others, from Mr. Obama’s own team.

Benson Demonstrates How “Propaganda Works” on “Most Americans”

You or people you know might love Mr. Obama’s speeches. Millions do, because he’s good at giving them.  The below is the “speech that made Obama President.”

But policies are what drive markets, capital, and business. POTUS Obama spoke well, but so does businessman turned president, Donald J. Trump.


It’s another nettlesome fact that Dr. Martin Luther King Jr. was a Republican. He wasn’t for socialism, King was for equality of opportunity, not for ‘redistribution of the wealth,’ that Mr. Obama promised. His policies undermined confidence in investments, business, and thus job creation.  By accident and/or design, the policies failed to deliver prosperity for all but the top 1 percent.


Night and Day. Black and White, But Not Color

It’s not about the identity politics of racial divides, which candidate Obama promised to heal, but which he arguably made worse. Survey after survey showed that race relations worsened under the eight years of Mr. Obama’s tenure in the White House.


Rather, it is about the politics of prosperity which traditional American faith and the principles of the free enterprise freedom and that limited government yields.

The first candidate that this writer contributed to happened to be a black man.  But he wasn’t Barack Obama, who this writer consistently opposed for reasons of policy (it was Alan Keyes, who served under POTUS Ronald Reagan, because Keyes believed among other things in limited government, in regulatory reform, plus ending waste, fraud, and abuse in government).

Mr. Obama’s rhetoric made him famous and popular.

The “audacity of hope” plus “hope and change” were good slogans, but the policies he practiced yielded to despair. Why? Because that is what socialist principles give way to in the end. Look at Cuba, Venezuela, or Red China before they switched to a more market based (but still communist centralized) economy.

“Death by Government,” Fascism, Communism, Socialism, ‘Big Brother,’ per Williams, Rummel and Owens

Words matter, but proven principles and policies matter more.

Those in whatever walk of life that supported Mr. Obama for reasons of style learned the hard way that his policies were bad for business.

In ironic twists, the nation’s first black president made economic life for blacks and hispanics in America worse. 

Spreading the wealth around” through redistribution via socialistic principles was a guaranteed recipe for economic train wrecks.  Unfettered immigration, due to the law of supply and demand – depresses the wages of the working class of all colors.  But the reverse is true too.  Control immigration, create incentives for business to invest in America, and you’ll watch more jobs get created and more businesses succeed, which creates over time still more jobs – and at higher wages.

So Mr. Obama’s policies doubled the national debt. They harmed businesses, jobs, and workers. Yet Mr. Obama claimed on the campaign trail that Mr. Bush 43’s raising national debt so high was unpatriotic and unAmerican. Mr. Obama was right to call out that Bush error. But the nettlesome facts are that POTUS Obama clearly made deficits and debts far worse.

That too matters for business and investments. Because capital sucked up to support the debt ought to be going to create more business, and thus more and better jobs.

NFIB’s Juanita Duggan Cheers, Leads, Explains Why on Tax Reform for American Businesses

Businesses failed under the Obama years in record numbers.

“I’m tired…” – Terry Decio, Skyline Homes, on Manufactured Housing

That’s not an accident, it’s because high taxes and high regulations yields destruction of business and opportunities.

Ken Corbin “the 10,000 Drop,” points to Industry Woe, Causes of Manufactured Housing’s 10 & 20 Year Collapse?

Of course capital, investments, and thus jobs fled overseas.

Of course reversing those poor policies would bring business and jobs back, and “make America great again.”

It’s common economic and policy sense applied. It’s substance over style. 

POTUS Trump’s policies are pro-all-business, while POTUS Obama’s were for arguably more favorable towards big business, and often those crony capitalist donors.

Dow Tops 25k! Jobs, Oil and Manufactured Housing, Plus MH Market Update$

Mr. Obama was honest about some things.

But if Jonathan Gruber, the architect of ObamaCare was right, the Obama Administration was dishonest about other matters.

They lied to Americans to get what they wanted on health care and Dodd-Frank.  What Mr. Obama and other disciples of Saul Alinsky wanted was to fundamentally reshape America.

Toxic Combination of Big Business in Bed with Big Government, Rules for Radicals, Generation Zero

Mr. Trump and Vice President Mike Pence promised to be in the promise keeping business. They got off to a rocky start, but they are delivering.

VP Elect Pence Vows Promises Will Be Kept, Jobs, ObamaCare and Regs in Video

The economy is roaring back. 

Presidents like Obama and Clinton often spoke pretty words, but they didn’t always mean what they said.  History matters, proven principles over empty promises matter.

Was Bill Clinton Just Wrong, or Did He Lie? MH Impact – Facts, Analysis

Trump the Builder, and Businessman, Mr. Warren Buffett and Hillary Clinton

One this twelfth day of the Christmas season, it is good to reflect on just what has happened to this industry, and why it has happened.

Ladies – Love, Lunacy, Leadership, and those “Laddies”

Mr Buffett supported both Barack Obama and Secretary Hillary Clinton. He said he did so for policy reasons. That’s significant. Take that seriously.



It is no secret that MHProNews did not support the re-election of President Barack Obama in the 2012 election cycle. As the cite from left-of-center media outlet, Mother Jones noted at the time, Buffett was a strong supporter of Obama. Obama in turn was a strong support of Dodd-Frank, and not changing the CFPB. See related, linked below.


Hillary Clinton, left, Warren Buffett, right. Credit – Boston Globe.  Buffett said he supported Clinton’s policies, and Obama’s too.  Why not take that literally?  Why not see what that meant for manufactured housing in practice, and for the nation as a whole too?

Because based upon his policies, what Mr. Obama gave us as president was Dodd-Frank and ObamaCare. POTUS Obama led Democrats left, and created a tax and regulatory environment that killed thousands of smaller business.  That killed jobs, raised welfare payments, etc.

But those same Obama policies favored big business.

It’s black and white.

It’s about the math of tax and regulations, not race or style. 

ELS’ Sam Zell – Compliance Costs Destroys Smaller Businesses = Consolidation

There are some taxes, some regulations that are needed. How much is debatable, but generally, less is better. So Mr. Obama – and Ms. Clinton, had she been elected – put in place – and she would have kept in place – the big regulatory state and high taxes.

Warren Buffett, “the Moat,” Manufactured Housing, Berkshire Hathaway, Clayton Homes, 21st Mortgage, Vanderbilt, Wells Fargo, NAI…

That favored Mr. Buffett’s Big Business Brands. That includes manufactured housing.

Manufactured Housing Institute VP Revealed Important Truths on MHI’s Lobbying, Agenda

So, Mr. Buffett, as a student of history, and economic principles, could generally predict what would happen under both Obama or Clinton. It perfectly suited Mr. Buffett’s “moat” principle.

Duty To Serve, “Complete Waste of Time” per Tim Williams, CEO/21st Mortgage; POTUS Trump, Warren Buffett Insight$

The Berkshire Hathaway dominated Manufactured Housing Institute (MHI) invited not one, but two paid Clinton speakers to be on their stage in Chicago to address their members. The Daily Business News reported that several ties. MHI has never denied the claim.

Manufactured Housing Institute (MHI) Shifts on DOE Regulatory Rule, Report, Analysis

Facts are nettlesome things. People often buy into style over substance. That can prove costly.

NAHB Report – High Cost of Regulations Impact Housing – and Manufactured Housing

Follow the money. Pay more attention to what people do, not what they say. Principles and policies matter.



Lavin is an MHI award winner, and a success story in communities, retail and finance.

So long as his health and safety hold up, and his party stays united enough on his plans, of course America will be greater again under POTUS Trump.


President Trump and VP Mike Pence have both said they will be in the promise keeping business. So far, so good.  History, and proven, pragmatic principles, matter.

In hindsight, there will likely be discovered a series of scandals from the Clintons and Obama Administration years that will be unlike anything America has ever seen.  Informed sources say the higher levels of the FBI and DOJ were politicized. They claim the deep state is real.

“Hacks” – Explosive 2016 Campaign Claims by Former DNC Chair, Donna Brazile

The so-called ‘Russia collusion’ narrative could easily flip into a Democratic scandal, akin to the one where Secretary Clinton allegedly rigged the primary against Bernie Sanders, per Democratic party leader, Donna Brazile.

Newspaper Names Clayton Homes, Clinton Foundation, Hillary Clinton In “Swamp After Storm” Post-Disaster “Corruption”

Clayton Homes, said the Toledo Blade and others, profited from the Clinton connections in the Obama Administration.

Clayton will benefit from FEMA, while others in manufactured housing will suffer.

MH Lending, FEMA and False Profits (and False Prophets)

Monopolistic practices are bad for America, in principle. Heavy regulations, heavy taxes and crony capitalism are all bad for our HUD Code manufactured home business in principle.

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

These are not matters of color or style. These are nettlesome facts. Tax, and regulatory tend to policies create or destroy investments, businesses and thus jobs. Mr. Trump, the entertainer, builder, and business man gets that.

Killing Off 100s of Independent Manufactured Home Retailers, Production Companies – Tim Williams/21st Mortgage “Smoking Gun” Document 2


Mr. Buffett, supported the moat candidates. Buffett’s brands have been accused of taking control over MHI, which does their bidding.  Independent businesses have been forced out, or killed off by heavy regulations.  Doesn’t that fit with the goals of Mr. Buffett’s moat principle to the tee?

MHARR vs. MHI on DOE Energy Rule, Pushback Pay$ Off?

By contrast, for years, MHARR has opposed business and job killing regulations.

“Perverse”–Warren Buffett-Dodd-Frank, CFPB, Manufactured Housing, Loans, Independent Businesses Fact Check$

The rest are details and commentary, because facts are nettlesome things. ## (News, review, fact checks, analysis, and commentary.) 

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NOTICES and Author’s credits…

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We agree with Warren Buffett on the value of the lessons of history, reading and research. Without those deep insights, the wool can be pulled over other people’s eyes. We disagree with Mr. Buffett on his political positions, which have proven harmful to America and our industry.

By L. A. “Tony” Kovach.

Kovach is the award-winning managing-member of LifeStyle Factory Homes, LLC,
parent to MHProNews, and
Both are #1 in their categories.

Kovach is one of the most endorsed and recommended MH industry professionals in all of manufactured housing.