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Factory Rep’s Tip–Manufactured Home Service & Satisfaction – ABC News, Clayton Controversy Follow-Up

October 12th, 2018 No comments

 

FactoryRepsTipManufacturedHomeServiceSatisfactionABCNewsClaytonHomesControveryFollowUp

Let’s begin with an analogy. Toyota today issued a recall on 168,000 vehicles, said Newsday. Just a week ago, Consumer Reports said that Toyota has recalled over 900,000 vehicles for stall. Do manufactured home industry professionals think those numbers prevent people from buying a Toyota?  Is it unfair for media – or trade publishers – to cover that news? “Toyota sold around 10.4 million vehicles in the fiscal year that ended in March 2018,” said Statista. Corporate News said that “…nearly 2.5 million [Toyotas were sold] in the U.S…in 2016.”

 

Rephrased, Toyota sold more vehicles last year then the total number of pre-HUD Code mobile homes, and post-HUD Code manufactured homes currently exist in U.S.

There is a demonstrably different response to media reports about problems with conventional housing, or automobiles, then there are to negative news about manufactured homes. Why is that so?

That may not seem fair, but industry pros and investors need to grasp the reality and learn how to navigate and deal with it.

 

Clayton’s Service Woes Repeatedly in Mainstream News Stories

While Clayton is the subject at the heart of this service/customer satisfaction controversy, the Clayton Homes/ABC News story video is a lesson for the industry at large. That MHVille’s industry’s professionals and investors care about this story is proven by the tremendous interest, and considerable feedback.  ICYMI, or want a refresher and to see the video, see our Daily Business News on MHProNews report at the link below.

Clayton Homes Ripped by Customer Complaints Spotlighted on ABC News

 

The follow up report has also drawn comments and thousands of hits. ICYMI, or need a refresher, see those above and below.

 

Clayton Homes Consumer Complaints Saga Continues, Mold and More

 

Factory Rep’s Comments on Service Issues

ConfidentialNewsTipsOKTipsIreportMHNews@MHMSM-comGraphic

To report a news tip on any industry related topic, click the image above or 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.

With that backdrop, look at what a factory representative emailed as a news tip/comment to MHProNews.

He used just one of many cases to make his point.

Only one more day for the service tech, [and he] would have finished this customers home. Yet, the service tech, takes off to another job and the customer is left with unfinished work. Why? I don’t know,” said a HUD Code manufactured home builder’s representative, in a message for publication to the Daily Business News to MHProNews.

It is very costly to a mfg the more times they visit a home! Well, because no one returned to complete this customers home, they filed a complaint with the state…[edited out comments, that might reveal the source]…All because of, just one more day!! All mfg deal with this because they don’t have a good plan for servicing the product they build!!! Customer satisfaction should be #1, to get customer referrals!! Enough said!!

Powerful thoughts. He’s not the only one who has said similarly.

 

Other Industry Reactions About Clayton, etc.

MHProNews has heard from communities and retailers who have dropped Clayton, over service and quality issues. There are also those who have said that they want to drop Clayton product.

By contrast, there was a Clayton cheerleader from the community sector that publicly defended Clayton, see the report below.

 

LinkedIn, Manufactured Housing, and Manufactured Home Industry Professional Insights

 

So, the reactions have been across the board. That’s reflected in this and prior reports. Clayton was contacted for comments.  They opted not to respond, after numerous outreaches at the retail, factory and home office levels.  Rephrased, this thread of reports about Clayton and service has been balanced.

 

NOTICE & Reminder

Manufactured home corporate readers who want to comment and/or provide a news tip, off the record, are reminded to do so from an email address that is NOT a company email. For more details, see the below.

 

Reminder to Clayton Homes. Cavco Industries, and Skyline Champion Employees

 

Why This Matters to MHVille Pros?

Stating the obvious, millions of people want the truth.  Sane people, savvy professionals, investors, and owners want facts, not fiction or mere feel-good. Facts are actionable. By contrast, mere feelings or emotion can lead people astray.

As we approach the end of our 9th year, with the date of our launch on Oct. 15, 2009 MHProNews is having a record month with readers.  In spite of everything that opponents of this trade media have thrown our way over the past 36 months (+/-), we have more readers than ever before.

What the Toyota story and statistics at the top reminds thinkers and doers in MHVille is the following.

AutoDeathsVsTornadoDeathsDailyBusinessNewsMHProNews

NationalWeatherService2017ManufacturedHomeMobileHomeTornadoFatalitiesDailyBusinessNewsMHproNews

One of the most over-hyped stories by MSM is the topic of tornado deaths. As sad as each one may be, it pales in comparison to deaths in auto-accidents.

Our manufactured home and factory-built housing industry – right, wrong, or meh – demonstrably aren’t treated the same by:

  • public officials,
  • the mainstream media, and
  • the public at large as are other industries.
  • But why?
ManufacturedHousingAssocRegulatoryReformJOINMHARRbani-200x200

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

Part of the reason is arguably failures on the post-production side of the industry. By way of comparison, in years gone by, there were plenty of automotive industry executives who feared promoting automotive safety.  It was controversial to show videos of automotive crash tests.  But in hindsight, by doing that, car-truck-SUV makers took some of the public sting out of the tens of thousands of deaths that occur every year in auto accidents.

Manufactured housing doesn’t have to be perfect to be of tremendous value.  As our publisher has said for years, a possible choice only need be better in one or more ways than other options for it to be selected by buyers.

The Clayton service errors stories have multiple possible lessons learned. The Manufactured Housing Association for Regulatory Reform (MHARR) certainly isn’t defending non-member Clayton Homes. But MHARR routinely says that the industry’s overall quality is the best ever.  The relatively low numbers of service complaints for the industry reflects the wisdom and reality of MHARR’s points.  Reports from state dispute resolution reports go to states, and flow into HUD too.  There are just very few of them.

One of several takeaways here is that manufactured housing in general tends to suffer from things that Clayton does or fails to do. That’s not a mere opinion by a writer, it is the feedback from others in MHVille. That’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:

NBC Video – Federal Authorities Investigating Clayton Homes, Maxine Waters Denounces Lending “Discrimination” Against Minorities

Manufactured Home Production Rises Again in August, 2018 HUD Code Data

October 3rd, 2018 Comments off

ManufacturedHomeProductionRisesAgainAugust2018HUDCodeData600

The manufactured home reason has cause to feel good about a steady growth in production, while simultaneously feeling a level of anguish that sales are not far higher.

 

The latest data from the Manufactured Housing Association for Regulatory Reform (MHARR), and their statement, tends toward the former.  It is an understandable position.

At the same time, when one looks at the dramatic difference between the cost of a single family stick built’ house, and HUD Code manufactured homes, isn’t it obvious that the sales of manufactured should be far higher?

 

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

 

Indeed, Mark Weiss, J.D. – President and CEO of the Manufactured Housing Association for Regulatory Reform (MHARR) – directly pointed to one of those issues that keeps manufactured homes at what is arguably artificially low levels. ICYMI, or want a refresher, see Weiss’ comments in the new article linked below.

 

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

 

Those points noted, let’s dive into MHARR’s just released statement to the Daily Business News on MHProNews.  It can be read on their site, at the link below, or continue reading here on MHProNews.

Strong HUD Code Production Growth in August 2018

FOR IMMEDIATE RELEASE                                                                   Contact: MHARR

                                                                                                                                   (202) 783-4087

Strong HUD Code Manufactured Home
Production Growth in August 2018

Washington, D.C., October 3, 2018 – The Manufactured Housing Association for Regulatory Reform (MHARR) reports that according to official statistics compiled on behalf of the U.S. Department of Housing and Urban Development (HUD), strong year-over-year manufactured housing industry production growth continued in August 2018. Just-released statistics indicate that HUD Code manufacturers produced 9,157 homes in August 2018, an 8.6% increase over the 8,434 HUD Code homes produced during August 2017. Cumulative industry production for 2018 now totals 66,688 homes, a 9.6% increase over the 60,839 HUD Code homes produced over the same period in 2017.

A further analysis of the official industry statistics shows that the top ten shipment states from the beginning of the industry production rebound in August 2011 through August 2018  — with cumulative, monthly, current year (2018) and prior year (2017) shipments per category as indicated — are:

 

MHARRAugust2018ManufacturedHousingProductionReportTop10StatesDailyBusinessNewsMHProNews

Please note: There was a minor error in the September 10, 2018 MHARR Production Report.  Cumulative production for 2017 through the end of July 2017, should have been stated as 52,405 instead of 52,305, and the cumulative production increase percentage should therefore have been 9.8% instead of 10.0%.  Please correct your records accordingly.

The Manufactured Housing Association for Regulatory Reform is a Washington, D.C.-based national trade association representing the views and interests of independent producers of federally-regulated manufactured housing.

— 30 –

 

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Related Reports:

Double-Digit HUD Code Manufactured Home Production Growth In July 2018, MHARR

Manufactured Homes Could Help Solve the Affordable Housing Crisis, So, Why Aren’t More Manufactured Homes Being Sold?

 

FHFA Hearing Before Congress Raises GSEs’ Failure on Manufactured Home Chattel Financing

September 28th, 2018 Comments off

FHFAHearingBeforeCongressRaisesGSEsFailureOnManufacturedHomeChattelFinancingDailyBusinessNEwsMHProNEws

The Ford-Kavanaugh hearing wasn’t the only place in Washington, D.C. that charges of sexual misconduct were being publicly discussed yesterday.

 

As was noted by the Daily Business News on MHProNews, the Federal Housing Finance Agency (FHFA), featured a pile-on by members of both parties aimed at Mel Watt. But his time in office is short regardless, and thus the following is the more germane issue to manufactured housing industry professionals.

An extended quote from the release by the Manufactured Housing Association for Regulatory Reform (MHARR), which includes a download at the end of their statement to the Congress.

ManufacturedHousingAssociationForRegulatoryReformLogoLetterheadDailyBusinessNewsMHProNews

Washington, D.C., September 27, 2018 – The Manufactured Housing Association for Regulatory Reform (MHARR), in a submission (copy attached) to the House of Representatives’ Financial Services Committee in conjunction with a September 27, 2018 oversight hearing on regulation of the two “Government Sponsored Enterprises” (GSEs) – Fannie Mae and Freddie Mac – strongly criticized the Federal Housing Finance Agency (FHFA), for failing to implement federal law and, instead, sanctioning the GSEs’ continuing discrimination against lower and moderate-income American consumers seeking to purchase manufactured homes through personal property, or chattel loans.

Specifically, MHARR’s submission emphasizes that under the “Duty to Serve Underserved Markets” (DTS) provision of the Housing and Economic Recovery Act of 2008 (HERA), so-called DTS “implementation plans” developed by the GSEs and approved by FHFA in late 2017, fail to provide for market-significant participation by Fannie Mae and Freddie Mac in the manufactured housing chattel finance market some ten years after Congress, through DTS, specifically directed the GSEs to “develop loan products and flexible underwriting guidelines to facilitate a secondary market for mortgages on manufactured homes for very low, low, and moderate-income families,” including chattel loans. Such chattel loans account for 80% (or more) of the entire manufactured housing market, according to U.S. Census Bureau data.

As MHARR’s submission explains, the so-called Fannie Mae and Freddie Mac DTS “implementation plans,” by failing to provide for market-significant participation in the manufactured housing chattel financing market – beyond tiny, highly-conditional, “pilot programs” that through 2020 would serve, at most, little more than 1% of the manufactured housing market – do not and cannot, by definition, satisfy the express statutory mandate of DTS. Indeed, it is utterly inconceivable that Congress, in adopting DTS, intended for the vast bulk of all manufactured housing purchasers — and potential purchasers — seeking to access the nation’s most affordable source of non-subsidized homeownership, to go unserved under DTS indefinitely and, potentially, forever.

Relying on an alleged lack of chattel loan “performance” data that is a direct result of their own long-term, discriminatory failure to serve the manufactured housing market – that DTS was specifically designed to remedy – Fannie Mae and Freddie Mac instead seek to evade that “duty” indefinitely. As emphasized by MHARR, this will effectively force the 80% (or more) of the manufactured housing purchasers who currently rely on chattel financing to seek loans from one of the existing market-dominant manufactured housing lenders that do not require or seek secondary-market securitization or support from the GSEs and provide such financing at interest rates that are higher than would be the case if the GSEs were significant participants in the manufactured housing chattel market. Even worse, many more potential lower and moderate-income manufactured home purchasers, who might otherwise qualify for a loan, will continue to be needlessly excluded from the manufactured housing market – and from homeownership altogether – because of the higher chattel loan interest rates and monthly loan costs resulting from the GSEs’ continuing discriminatory refusal to fully implement DTS with respect to chattel loans.

MHARR, accordingly, will continue to press for the full implementation and application of DTS to manufactured home chattel loans and will continue to address, through all necessary means (including Congress and the Administration) the ongoing failure of FHFA, Fannie Mae and Freddie Mac to implement DTS in a timely and market-significant manner, thereby depriving lower and moderate-income Americans of the full access to affordable, non-subsidized manufactured homeownership that Congress sought to provide.

In Washington, D.C., MHARR President and CEO, Mark Weiss, stated: “Congress, in its vital oversight role concerninhg FHFA, must hold that agency – and, by extension, Fannie Mae and Freddie Mac, which are being and have been bailed-out with billions of taxpayer dollars — accountable for their ongoing discriminatory failure,more than a decade after-the-fact, to fully implement DTS with respect to the 80% of the federally-regulated manufactured housing market that is represented by chattel purchase-money loans. Affordable homeownership is desperately needed in the United States and is at the core of the GSEs’ statutory mission. Neither FHFA nor the GSEs should be allowed to flout this mission, nor the specific mandate of DTS with regard to manufactured housing chattel loans.”

The Manufactured Housing Association for Regulatory Reform is a Washington, D.C.-based national trade association representing the views and interests of independent producers of federally-regulated manufactured housing.

###

The download of the testimony by MHARR to the Financial Services Committee is linked here. For more details, see the related reports, further below. “We Provide, You Decide.” © ## (News, analysis, and commentary.)

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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.

Related Reports:

Mel Watt – FHFA and MH Connected Hearing Today to Feature Sexual Misconduct Allegations

“Waste, Fraud, and Abuse” – FHFA, GSE Federal Oversight Announcement

Warren Buffett, Charlie Munger, Fannie Mae, Freddie Mac, Berkshire Hathaway Backstory

Frightening! Halloween – Monday Morning Manufactured Home Marketing & Sales Meeting

September 10th, 2018 Comments off

 

FrighteningHalloweenMondayMorningManufacturedHomeMarketingSalesMeetingMHProNews

The Labor Day holiday was still on, but the displays in thousands of retail stores from coast-to-coast were already promoting Halloween. 

 

Before Halloween arrives, there will also be Thanksgiving displays in stores. 

KirklandsBrandonFLManufacturedHousingDailyBusinessNewsMHProNEws

Christmas is more than 3 months away, but there are holiday promotions underway for that grand date too. Retailers know how crucial that is, but how about in manufactured housing?

PrayBigWorrySmallTrustGodJesusGermsEverywhereChristmasDecorItemsManufacturedHousingMHProNews

There are retailers and communities that do a fine job of tying marketing to upcoming seasons and events. A well known mid-sized midwestern retailer we worked with had, for example, baseball season and related contests and promotions.  

Others arrange for various parties and events. It puts people into a festive mood. In some cases, it will put people into a buying mood. 

 

Tie-Ins and Connections

Using tie-ins and connections can be effective in marketing and sales. Savvy shoppers don’t want artificial pressures to close now. That’s what a motivated sales professional wants, the deal today, not next month or next year.

But serious home shoppers have their own deadlines and motivations.  

Some of those spoken or unspoken deadlines in a customers mind are seasonal or event related. 

HalloweenExpressBrandonFLManufacturedHousingINdustryDailyBusinessNEwsMHProNews

Every year, millions of Americans are on the move. In your market, on average, you can guesstimate that one in 7 (+/-) will be making a housing move in your market(s) THIS YEAR.  That’s a ton of opportunities.  

For some of those making a housing change, they’ll want their family moved into a new home ‘before the holidays.’  

KirklandHalloweenThanksgivingBrandonFLManufacturedHousingIndustryDailyBusinessNewsMHProNews

Like your family, the Kovach family does things together.  Tamas and Soheyla, near top right. Shopping, events, and MH inspiration for the muse are all in the mix.

You know what is and isn’t possible with your suppliers that could make that type of deadline possible on a custom order. But if someone selects a home from inventory, that Thanksgiving or Christmas in your new home is a much easier deadline to meet.

There are good reasons to – or not to – use event tie-ins to marketing. But one thing is certain. To get a different result than what you are getting now, you must do things differently than you have been. 

Often, it’s only a modest adjustment that a manufactured home retailer or land-lease community needs to make in order to profitably go from a low volume into a higher sales level.  

The higher your price-point, the more sophisticated your approach ought to be.  The higher your desired target audience, your marketing, sales, and follow though systems will need to be increasingly sophisticated.

There are certain services that we don’t provide. As we mentioned last week, we’d suggest someone else on displays and merchandising. But for those with a budget, done correctly, the right merchandising can be very profitable. 

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

But we can help give operations of all sizes another, objective and successful set of eyes with which to evaluate your marketing, sales and satisfaction follow-ups.  

As or more important, for those willing to invest in their future success, we provide a proprietary that we provide under agreements with our clients:

  Sales Recruiting,

  Marketing,

  Sales Coaching/Training Systems unmatched in manufactured housing. 

We do so on a confidential basis. We share specific results only when we mutually agree to do so.

For those who wanted results shared, growth rates many times that of the industry’s have been achieved. 

Yes, there’s an investment. But it doesn’t so much cost, rather, when properly implemented changes occur, it pays.

For those who discipline themselves to follow a proven methodology, we truly can help you Dominate in Your Local Market. See related reports, email sign up, and contact info below.  Call or click to learn more. ##  (Manufactured housing related marketing & sales news, analysis, and commentary.)

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

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

Office 863-213-4090 |Connect on LinkedIn:
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Related References:

Power & Profit$ from Factual Sales & Marketing, Monday Morning Manufactured Housing Meeting – Part 1

 

Becoming a Standout Performer, Monday Morning Sales, Marketing Meeting

 

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

September 4th, 2018 Comments off

50StatesRankedByIncomeCreditScoresManufacturedHousingMarketersDataCheatSheetDailyBusinessNewsMHProNews600

While there could be a debate about the ranking of the 50 states by which is the hardest working, a far clearer picture emerges on the topics of ranking states by income and credit.

 

The reason?

Facts about income and credit scores are just facts.

HouseholdIncomebyStateByPercentageGroups2017ManufacturedHousingIndustryDataResearchReportsMHProNews

But the criteria selected by Wallet Hub, which certainly uses some objective data, nevertheless mixes metrics into an amalgamated score and ranking that some could certainly debate.  It’s interesting, and worth noting, because others are looking at it.  ICYMI, that report – which includes recent manufactured housing data, is linked below.

http://www.mhmarketingsalesmanagement.com/blogs/daily-business-news/2018s-hardest-working-states-in-america-how-does-your-state-rank/

Credit Scores

 WhatIsGoodCreditExperianDailyBusinessNewsMHProNews

Meaning of Credit Scores

FICOScoresExperianCreditImpactDailyBusinessNewsMHProNews

Scores by State Per Core-Logic

AverageCreditScoreByStateOnMorgageLoansMHproNews

What data like this reflects is that manufactured housing professionals routinely report lower credit scores applying than those shown. That said, Triad Financials’ credit profile reflects higher credit scores than several of their counterparts. Good credit – as well as cash customers – are attracted to manufactured housing. But most retailers and communities need to step up their marketing and sales efforts to attract those better qualified buyers.

The Daily Business News on MHProNews noted on Saturday some of the reasons and considerations for manufactured home retailers and communities to consider factors like income in your local market(s).  That county-level report, is linked below.

MH Intelligence for Your Business – Incomes by U.S. Counties, How Do Your Counties Compare?

Watch for some data and analysis in the days ahead that could prove eye-opening, and uncomfortable, but useful for manufactured housing professionals and investors.

1DailyBusinessNewsLogoMHProNewsLogo-1

Note that some of the sources – which are deemed reliable – came to different conclusions.  But that’s possible for potentially valid reasons.  For example, Experian’s data is presumably reliable for their own data pool, but other sources may have a different yet still accurate pool they are measuring from.

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

(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.

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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.

Related Reports:

What RV Industry’s 2018, Prior Results Reveal for Manufactured Housing

Manufactured Housing Shipment Totals, June 2018

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

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

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

Power & Profit$ from Factual Sales & Marketing, Monday Morning Manufactured Housing Meeting – Part 1

Back to Basics Will Boost Manufactured Home Sales, Sunday Morning Manufactured Home Industry Headline News Recap Aug 5 – Aug 12, 2018

August 12th, 2018 Comments off
SundayMorningManufacturedHousingINdustryRecapDailyBusinessNewsMHProNews7.29.2018to8.5.2018

Trivia: note that the MHProNews home page on Sunday morning looks like that iPad screen, just moments before this weekly recap is published. We get our share of typos, but we do sweat the details, all for thousands of industry readers like you.

Let’s stress again that there are numbers of honorable operators and professionals in manufactured housing.

 

Some of those honorable souls would see “the basics” in a similar way that we at MHProNews would agree with too.

BackToBasicsWillBoostManufacturedHomeSales

But perhaps in an ironic way, the fact that not everyone understands what “the basics” are illuminates a key part of the factor-built home industry’s problem in the U.S.

For a the next few moments, by “Factory Built Homes,” we’re talking about all forms of off-site built production housing. Manufactured homes (MH), modular homes, other kinds of PreFab homes all frankly struggle with various levels of image and misunderstanding.

Rephrased, it’s an educational issue.

There are training programs in manufactured housing today, right? Numbers of trainers and coaches, some of whom grew up learning and repeating the late Grayson Schewpfinger’s methods. Some of that was fine, he had years of success. So, with no disrespect to the departed, some of that method was also demonstrably problematic.

We won’t run through a bunch of other trainers names, but the following is reality.

If the correct combination of

  • marketing,
  • public relations,
  • sales systems,
  • capital/lending, and
  • lobbying/legal efforts were made,

manufactured housing would arguably be 10 time’s larger than it now is. So too would other forms of U.S. factory building.  When this nation gets the challenges of factory-home building related issues right, the process of acceptance will arguably accelerate in other parts of the world too.  While something like 98.5 percent of our readers are U.S. or Canada, the other 1.5 percent are equally dedicated from other parts of the world.  What happens in MHVille matters.  People from across the globe check in daily here to find out the latest.

 

Proof?

The evidence for the fact that domestic manufactured home production could rise 1o fold, meaning by 1,000 percent, are all around us. One part of the evidence is found in the RV compared to MH report, linked further below.  Or check out the comparisons with the HousingEconomics data, further below.

So, we’ll point you to that and other reports, commentary, and analysis published this past week for more details and specifics.

 

Style, Substance, and Reality Checks

The RV compared to MH Report – linked below – gives a stark reality check for manufactured housing professionals and investors.

There’s a widely held school of thought that advises, “praise in public, correct in private.” That’s a fine norm. But when “private” efforts with the purveyors of the problems have failed repeatedly, a more direct approach is needed.

So that leaves the industry with a need for publicly calling out the problematic behaviors by certain professionals in key places. Where appropriate, that should also lead to remedial legal action, taken by private plaintiff’s attorneys, and/or public officials.

As the Daily Business News has stated for years, we publish reports on various lawsuits and regulatory issues because

1)    they occur,

2)    as a kind of morality tale. Don’t do what caused those people to get in hot water.  By the way, there’s a number of legally focused reports  last week, also found below.

While some are understandably uncomfortable with pointing out problems, what’s the alternative? Allowing another 15 years of the same often avoidable issues?  Again, look at the RV industry, and you’ll see why we’re so passionate about helping manufactured housing achieve what the RV industry has often done quite well.

 

They Did It Before…

Last week, this column asked the question, “They did it before, they can do it again.” Isn’t that obvious?

Reality can be uncomfortable.

But to deny reality is foolish. Check out Zig Ziglar’s article on problem solving, along with our other new and featured articles, linked here or from the hub, below.

Any given professional can make a difference in their own market. So, while collective efforts are useful on some matters, frankly the right “back to basics” protocols will profitably and ethically elevate results in almost any market.

That said, with no further adieu, let’s check out this week’s reports and commentary.

 

What’s New on MHLivingNews

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

 

What’s New on the Masthead

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

What’s New from MHARR

http://www.MHProNews.com/industry-news/mharr-news/doe-issues-mh-energy-rule-request-for-information

http://www.MHProNews.com/industry-news/mharr-news/hud-code-production-growth-continues-in-june-2018

 

What’s New on the Daily Business News on MHProNews

DailyBusinessNewsLogoMHProNewsLogo (1)

Saturday 8.11.2018

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

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

 

Friday 8.10.2018

Billions in Global Deals, Flying Above the Fray for Unicorn Prefab Builder

Billions in Global Deals, Flying Above the Fray for Unicorn Prefab Builder

“It’s A Problem That’s Been Bubbling for Years,” Turkey Tank$, Plus Manufactured Housing Market Updates

 Freddie Mac’s Manufactured Housing, Myths vs Facts – Your Professional Thoughts?

Freddie Mac’s Manufactured Housing, Myths vs Facts – Your Professional Thoughts?

What RV Industry’s 2018, Prior Results Reveal for Manufactured Housing

What RV Industry’s 2018, Prior Results Reveal for Manufactured Housing

 

Thursday 8.9.2018

 Heartland Immigration Raids by ICE Are Targeting Businesses, Owners, Management – Plus Illegals

“I Admit, I was Wrong,” said Heritage’s Feulner, Plus Manufactured Housing Market Updates

AG’s Hathaway Lawsuit OK’d

AG’s Hathaway Lawsuit OK’d

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

 

 

Wednesday 8.8.2018

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

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

Skirts vs. Coat-Tails for Biz and Investors? Plus Manufactured Housing Market Updates 

MHPro Alert: DOE Issues Manufactured Housing Energy Rule RFI

MHPro Alert: DOE Issues Manufactured Housing Energy Rule RFI

“Waste, Fraud, and Abuse” – FHFA, GSE Federal Oversight Announcement

“Waste, Fraud, and Abuse” – FHFA, GSE Federal Oversight Announcement

 

Tuesday 8.7.2018 

Ready Player One, “Mobile Home Stacks,” and the Manufactured Home Industry Reality Check

Ready Player One, “Mobile Home Stacks,” and the Manufactured Home Industry Reality Check

Stocks Rise Amid Trade Tiffs, Iran Sanctions Take Effect, Plus MH Market Updates 

City Settles Case with Community Owner for $1.5 Million 

City Settles Case with Community Owner for $1.5 Million

“Insulting” – Local News Report on “Mobile Home” Fire Underscores Why Terminology Matters

“Insulting” – Local News Report on “Mobile Home” Fire Underscores Why Terminology Matters

 

Monday 8.6.2018

Rising Tide Lifts Millions off Food Stamps, Plus Manufactured Home Market Updates

Manufactured Housing Shipment Totals, June 2018

Manufactured Housing Shipment Totals, June 2018

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

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

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

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

 

Sunday 8.5.2018 

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

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

And that’s all she wrote, with a little help from that guy. Thanks for checking in, and you can join the industry’s best-read emailed headline news by signing up at the link below. Looking to advertise or do business or event development? There is no better place than MHProNews. Click here to learn more. ## (News, analysis and commentary.)

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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.

 

HowardWalkerJDELSViceChairmanPhotoManufacturedHouisngInstituteMHIExecuitiveCommitteeBoardMemberDailyBUisnessNewsMHProNews

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

Freddie Mac’s Manufactured Housing, Myths vs Facts – Your Professional Thoughts?

August 10th, 2018 Comments off


ManufacturedHousingMythVsFactFreddieMacDutyToServeDailyBusinessNewsMHProNews

We’ll weigh in on this Freddie Mac handout promoting manufactured housing another time, but would value that of the readers of Daily Business News on MHProNews.

 

Here it is, below. We just have this suggestion, as you look at this handout from Freddie Mac, meant to promote manufactured housing.  Please consider it from all angles.

  • What do you like?
  • What do you think could have been different?
ManufacturedHousingMythVsFactFreddieMacDutyToServeManufacturedHousingIndustryDailyBusinessNewsMHProNews

Download the full size document, at this link here.

  • What might have made this handout intended for home-shopping consumers better?
YourCommentsDailyBusinessNewsMHproNEwsLikeDislikeNuetralAnGIF

Your Comments, Feedback, or Tips email at this link. Or Connect via LinkedIn and comment.

Please feel free to send email us your comments, at the link above.  Your thoughts can be on or off the record, just be clear which it is.  Thank you. “We Provide, You Decide.” © ## (News, analysis and commentary.)

(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.EmailedMHProNewsHeadlineNewsDailyBusinessNews

2) To provide 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 Resources

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.

 

City Settles Case with Community Owner for $1.5 Million

August 7th, 2018 Comments off


CityChinoSettlesCaseWithCommunityOwnerfor1.5MillionManufacturedHousingIndustryDailyBusinessNewsMHProNews

The City of Chino recently reached a $1.5 million settlement with a manufactured home community owner.

The suit originally asked for $34 million, and was filed in July 2010 by Chino MHC, owner of Lamplighter Chino Mobile Home Park,  per the Champion Newspapers.

The settlement agreement resolves long-standing disputes and litigation between the parties,” city spokeswoman Arianna Fajardo said in July. “The settlement makes clear that it is not an admission of any wrongdoing whatsoever on the part of the city. Instead, the city council wished to move beyond the disputes and avoid further expenditure of time and funds litigating these matters.”

The California Supreme Court declined the city’s request to hear the case.

In 2011, Superior Court Judge Joseph Brisco ruled that the City of Chino could not prohibit the conversion of the park, even though a survey of residents reportedly revealed most opposed the plan.

The City of Chino appealed, but lost in October 2012, when the Fourth District Court of Appeal ruled that the city council could not stop conversion of the mobile home park to resident ownership, unless city could show the owner was taking the step to avoid the city’s rent control policy on land-lease manufactured home communities.

Under this scenario, non-purchasing resident households will not be required to vacate their spaces,” former-city attorney Jimmy Gutierrez told the council.  He had warned officials that the decision could result in lawsuits that the city would lose.

LamplighterChinoMHCChinoMHCManufacturedHousingINdustryDailyBusinessNewsMHproNews

 

A Community Sector Industry Attorney Comments

Hart King tells MHProNews that they were not involved in this case, and that the comments from C. William “Bill” Dahlin “are personal and do not reflect any client or the firm.”

CWilliamBillDahlinHartKingLawManufacturedHomeCommunitiesManufacturedHousngIndustryDailyBusinessNewsMHProNews

It is my understanding the tenants also sued the city [in 2014] and I am not sure if this second piece of litigation is also at issue in the settlement referenced in the article,” Dahlin told the Daily Business News on MHProNews.

As an FYI, an approved subdivision of a MHP in California makes the park exempt from local rent control once the first space has been sold,” Dahlin said.

LegacyHousingHurricanOverrunWholesaleEvent200x200ManufacturedHomeINdustryMHProNews

Click to learn more about this upcoming wholesale event, which is not related to the story posted.

As a generality most park owners do not require existing residents to buy their space when a subdivision is approved. Rather the park owner generally allows existing homeowners to continue as tenants, but frequently do require a successor tenant to buy the space.” the California-based attorney said.

I assume this subdivision was pursued because the city’s rent control ordinance had the rents at a small fraction of market rent. After this subdivision was judicially approved the state legislature made it almost impossible to subdivide a MHP w/o tenant support. That legislation has effectively stopped almost all subdivision applications.” Dahlin added that this was “Just another consequence of rent control. The state has also made park closures economically VERY difficult and that has prevented older functionally obsolete MHPs from closing to allow newer developments to proceed. Yet another consequence of rent control and one factor in the state’s “housing crisis

The battle is part of the ongoing struggles between local jurisdictions and manufactured home community owners that are taking place in many parts of the country.  Some other recent cases are linked below.  ## (News, analysis, and commentary.)

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

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

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.

Related Reports:

MHCs and Rent Control – Cure or Cause for Affordable Housing Crisis?

 

Manufactured Home Community Owner Alert, Rent Control, MHAction Plans Organized Action in Several States

 

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

UPDATE: MHC Future in Doubt, the Other Side of Rent Control

Different Kind of Community Closure, Continues Grabbing Headlines in Mainstream News

 

 

“Insulting” – Local News Report on “Mobile Home” Fire Underscores Why Terminology Matters

August 7th, 2018 Comments off

 

InsultingLocalNewsReportOnMobileHOmeFireUnderscoresWhyTerminologyMattersDailyBusinessNewsMHProNews

A local news story of a “mobile home fire” on I-20 underscores why the terminology issue matters.

 

Before diving into the local media report to see the lessons learned, let’s examine part of a detailed statement from a multi-decade manufactured home professional.

Why?

Because it very much relates to this issue.

It was an off-the-record remark, and the key part reads exactly as follows, with only the brackets added for clarity:

You [MHProNews/MHLivingNews] have to give us – and the rest of the owners out there – a break on the “terminology”. I agree that we should try to elevate the industry, but you know as well as I do that you cannot reach anyone with the name “manufactured home community” as nobody Google searches for that term. It’s marketing suicide. It’s like pretending that the average American wears a tuxedo to dinner just because we want them to. Until some other term becomes the standard for our product line, there’s no way we can use any term that is not the #1 on searches. We did not create this fact, decades of time and millions of Americans did…I think any term but “home” is frankly insulting.”

There is no doubt that the search term “mobile home” scores far better on Google than “manufactured home.” Take a look for the proof.

GoogleTrendsMobileHomeVsManufacturedHomeDailyBusinessNewsMHProNews600

 

Then compare the search term for “trailer house” to “manufactured home,” shown below. Sadly, its not ideal either, but per Google it is improving.  But do those trend lines from Google make that message writer correct?  Let’s look deeper before we answer that question, because common sense and doing what’s right may surprise you.

 

GoogleTrendsManufacturedHomeTrailerHouseTerminologyDailyBusinessNewsManufacturedHousingProNews

MHLivingNews reported on the trend in the rise of the use of the term “mobile home” and “trailer house” in a research study by Foremost, found at this linked report below.

Foremost Report: Manufactured Home Customer Survey and Market Facts

Does that mean that we as industry professionals should abandon the effort?

The chart below reveals that a steady efforts in recent years by forward thinkers and doers in the industry are starting to pay off.

The use of the term “manufactured home” was trending down for several years, as you can see below.  But in the last few years, the use of the term manufactured home is finally trending up.  The second side-by-side trend line above reveals the term manufactured home is starting to surpass the term “trailer house.”

Those facts from Google suggest that more efforts are needed.  But the steady efforts of those who use the correct terminology already are demonstrably working.  The opposite of trying to correct the problems would be to abandon the effort, as some mistakenly believe should occur.  You’ll see why reason, facts, and emotions are all reasons why this effort ought to be accelerated, not quit.

 

ManufacturedHomeTerminologyGoogleTrendsManufacturedHousingIndustryDailiyBusinessNewsMHProNews

MHProNews is a data, common sense, and an evidence-based trade publisher. This graphic proves that the existing efforts are bearing fruit. The principle of prove one applies. Thus, more effort is needed. BTW, do you notice that this improvement is occurring during the time after MHProNews, and MHLivingNews began to push on the terminology issue?  Clearly others do too.  This is a job everyone can do their part to repair. 

A look at a quoted reply from the publisher of MHProNews and MHLivingNews to that industry professional provides the relevant response.

RE: “Terminology.  This is not a killer between us, but I respectfully disagree.  You said it yourself.  The ideal is home, but the practical is manufactured home.  All you have to do is what Realtor did in their [white] paper.  You say, people call it ‘trailer house, mobile homes, and trailer parks.’ [Indeed] Some of them [the homes being described] ARE trailers and mobile homes.  But since June 15, 1976, its manufactured homes.  No mobile homes since that date.”

We do that [in marketing work for others and for our own platforms], “Realtor does that, and you can get the marketing/SEO mileage that way too.”

With all due respect to our publisher, L. A. ‘Tony’ Kovach could have clarified a few points.

How so?

Obviously, the best of all possible worlds is to have each of those terms found on your website.

So,

  • if someone is searching for “mobile home,” make it easy for them to find you.
  • If someone is searching for “manufactured home,” you certainly want them to find you.
  • If someone is searching for trailer house,” make it possible for them to find you.
  • But that should debatably be done as Realtor, MHProNews and MHLivingNews do it, educationally explaining the terminology while using it.

One would think that Equity LifeStyle Properties (ELS) and others that use terms like “Village,” “Estates,” “Community” recognize that home owners don’t want to have the terminology of “trailer” attached to them.

SamZellEquityLifestylePropertiesELSManufacturedHomeCommunitiesRVParksNotTrailerNotMobileHomeParksDailyBusinessNewsMHProNews

Photo of Sam Zell, credit, MHProNews. ELS Logo, photos are provided under fair use guidelines.

MHProNews reported it, but we didn’t make it up.  Third-party research suggests that one of the ‘turn offs’ for millennials to manufactured homes is precisely the terminology “trailer.”

Millennials don’t like it.

Why turn-off the largest home buying demographic group by saying mobile home or trailer house?

So why would you or anyone use that term, other than to explain that it doesn’t apply to a manufactured home?  And that the cut off date when manufactured homes were born occurred on June 15, 1976.

WalkDownMemoryLane600x315TrailerHouseMobileHomeManufacturedHomeEvolutionMHLivingNews

You could fit the square footage of some of those old trailer houses into the living area of a modern manufactured home. https://www.manufacturedhomelivingnews.com/walk-down-memory-lane-from-trailers-and-mobile-homes-to-early-and-modern-manufactured-homes-video/

But here is a brilliant and succinct use of terminology that the NFPA – the National Fire Prevention Association – used.

NFPAManufacturedHomeIsNotaMotorHomeOrTrailerAlthoughItisOftenCalledMobileHomeItIsNotThatEitherNFPADailyBusinessNewsMHProNews

This is not a perfect definition, but it is clarifying. There have been no mobile homes built in the U.S since June 15, 1976, which is the date that the HUD Code for manufactured homes went into effect. Learn more, click here.

And that is just how simple it can be for anyone who wants to maximize both education and SEO.  Quote the NFPA, and reference it to MHLivingNews.

That one-two punch gives your comments two sources of third-party credibility.  We’ve done this, coached this, and know that when done properly, it works.

And guess what?  That’s what people frankly want anyway.  In the U.S., or Canada, people don’t like the term trailer house. They don’t like it in Australia either. There are very few manufactured homes in Hawaii, which could be a perfect place to prove what the future of manufactured housing could be.  But the term ‘trailer house’ dogs those on the islands who want to bring HUD Code homes there.

Mobile home is not an accurate term either, as Steve Duke explained succinctly in the quote cited below why the nomenclature matters, which he gave on-the-record to MHLivingNews.

TerminologyMattersBecausetheTerminologyDescribestheConstructionStandardsHomeBuiltToSteveDukeLMHAaMHLivingNewsMHProNewsBiggerPocketsSunshineHomesRedBayAL

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

 

Why Terminology Matters, Local Media Report

Traffic was blocked on Interstate 20 Westbound near Ruston [LA] due to a mobile home fire,” said KNOE.

According to the Ruston Fire Department, a mobile home being moved caught fire while on Interstate 20. The fire department was able to contain the fire,” said the report. The visual evidence suggests that this was in fact a mobile home, and not a manufactured home.

MobileManufacturedHomeIndustryDailyBusinessNewsMHProNews

Mobile home fires are in the news on a routine basis. It is one of several reasons why the industry MUST teach the public the difference in terminology, because it makes prospective home buyers feel safer when they buy a manufactured home, vs. a pre-HUD Code mobile home.

The reason why terminology can matter is what occurred in the battle waged in Ohio.

Recall that their Governor John Kasich weighed in on an effort against the industry and their home owner associations, claiming mobile homes were less safe in a fire.  What the governor was being deceptive or ignorant on is that the pre-HUD Code mobile home safety issue had been remedied by the national manufactured home construction and safety standards.  That fix took place 4 decades before the issues in Ohio came to a head.

That powerful fact is one of numerous reasons why the precise terminology matters.

In this specific KNOE report, local media got it right, because the fire fighters called the charred unit by its actual proper name.

With all due respect to Stacey Epperson, who has previously said that “a home is a home” and there should be no other terminology, like “mobile home,” “trailer house” or “manufactured home” used. That’s nice, but arguably unrealistic. A home that is born in a factory on a chassis – and that running gear is often used just once or twice – and then is rarely if ever moved again. Was that home born before of after June 15, 1976? Did it exit the production center with or without a red HUD Label, which is makes it earn the title of a manufactured home?  Those details matter.  The standards the home was built to matter to that homeowner, the neighbors, to the industry, and a nation seeking an affordable housing solution.

StaceyEpperson_NextStepAHomeIsAHomeNextStepUS-AHomeIsAHomeITsJustThatSimple-MHLivingNews-postedDailyBusinessNewsMHProNews-

Stacey Epperson, credit, Next Step.

Education is an answer that could bring tens of billions of dollars annually in more retail sales to the industry.  That education can and should be done locally, regionally or nationally. See the related reports, linked further below.

Mobile homes are more fire prone, while a manufactured home is as safe as a conventional site built house statistically. That’s a reality that requires names, facts, and definitions.  That reality is the one that caused the NFPA to do their study, referenced above.

AreMobileHomeFiresBurningtheIndustrycreditNFPA2-postedtothedailybusinessnewsmhpronewsmhlivingnews

Here is another reason why definitions and proper terminology matters.

Easy doesn’t pay well,” says Sunshine Homes President John Bostick.  It may be hard work – at first – to change habits of how we call things. But changing terminology was accomplished during the civil rights movement.  It was the right thing to do.  It needs to be done to advance the manufactured home movement, because that’s the right thing to do too.

 

Reviewing Another Reason Terminology Matters

Here’s another reason why it matters.  This local media report, whether they knew it or not, got it right. That house that burned wasn’t a manufactured home.  It wasn’t a trailer house.  It was a pre-HUD Code mobile home, as an expert can tell by looking at the photo from the local media, shown above.

FactoryHousingEvolution101TrailerHouseMobileHomeManufacturedHome

To see the Ultimate Manufactured Housing Infographic, click here.

The public and millions of manufactured home owners don’t want to be known as trailer trash.  The industry can and must lead on this issue.  It is as simple as it is laid out herein.

If the

  • Manufactured Housing Institute (MHI) wanted to fix this issue,
  • or if Berkshire Hathaway wanted to fix this issue, arguably either or both could make big strides in short order. Berkshire owns numerous newspapers. Berkshire could alternate the use of their various platforms to educate others in media, and the public at large.

So why don’t they?

But if the whole world did it wrong, is that a reason for you or your colleagues to do it wrong?

“What’s wrong is that we don’t ask what’s right.” – G.K. Chesterton. The tuxedo argument of that message writer is cute, clever, but it isn’t logical.  We don’t call a black man the n-word, as the Rev. Donald Tye Jr explained. Nor should we call a manufactured home a trailer house or a mobile home.

ItsAsWrongtoUseNWordToDescribeBlackAsUseTWordTodescribeManufacturedHomeRevDonaldTyeJr.ManufacturedHousingNotT-railerNotNword

Two wrongs never have, and never will, make something right.  Experience shows that qualified people who are home shopping would rather buy a manufactured home, as opposed to a mobile home or a trailer houses.  The letters to the editor that pop up over the years often say the same thing.

Proper Definitions, Mobile Home, Manufactured Home, or Trailer House – Civil Rights, Respect, Public Policy, & Value Issues

 

The Bottom Line?

We as MH Industry business owners, investors or professionals need to elevate the discussion, not add to the confusion. Check out the linked related reports, below and above, to see more practical reasons why the terminology matters.

But that email from an industry professional was arguably correct in this sense.  A misuse of terminology is “frankly insulting” to millions of home owners, and thousands of industry professionals. 

Who agrees with that last point?  Mark Weiss, President and CEO of MHARR.

TheDeliberateMisueofTerminologyCanBeOffensivetoMillionsWhoProudlyOwnAManufacturedhomeOrThousandsinourIndustryMarkWeissMHARRMHproNews575

When did he say that?  At the same time others did in response to the outrage expressed in MHVille when an anti-Trumper used the term “trailer park trash” to describe three people who visited the White House.

KeithOlbermannReactionAgainstTrailerTrashCommentMHProNews

See the full, original story, by clicking the image above.

When Frank Rolfe was still speaking publicly against MHI and their failure to engage with the media, he said this about Olbermann’s tweet.

WhenTrailerTrashIsntWhatYouThinkcreditMHProNews-postedtothedailybusinessnewsmhpronewsFrankRolfe

See the entire article and other industry reactions, at this link here.

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

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

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

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.

Related Reports:

 

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

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

“Trailer House Trauma,” Fresh Look at Manufactured Housing’s Opportunities

“Trailers for Sale or Rent,” “Pencil Head, Its Not a Trailer Park,” Manufactured Home Rental Reality Checks

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

August 4th, 2018 Comments off


ThouShallNotsteal$2TrillionAnnuallyLostLackofAffordableHomesMakingManufacturedHomeCase

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

 

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

Past25YearsHousingConstraintsChangTaiHsiehUChicagoEnricoMorettiUCBerkely

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

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

LawrenceYunNARShort8.3MillionHousingUnitsRisingRentsHousingPricesCuredOnlyByMoreBuilding

Collage by MHProNews.

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

 

CompareMobileHomeTrailersPastManufacturedHomesSaferMoreDurableQuoteScholasticiaGayCororationPhotoSmallPercentageDamagedDuringHUrricanesMHProNews

See more of her research, at this link here.

 

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

TruliaImpactofAffordableHomesHousingValueDailyBusinessNewsMHProNews

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

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

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

The results?

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

RegulatoryBarrierstoManufacturedHousingPlacementinUrbanCommunitiesHUDPDR-postedManufacturedHomeLivingNews595x357

The research from multiple cities documented that manufactured homes appreciated side-by-side with conventional housing. The findings are similar to what Trulia’s study learned. https://www.manufacturedhomelivingnews.com/wp-content/uploads/2018/04/2011HUDPDRRegulatoryBarriersManufacturedHousingPlacementUrbanCommunitiesMHLivingNewsPDF.pdf

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

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

MultipleReasonsExpectManufacturedHousingDoBetterThanSiteBuiltHousingEricBelskyEecDirJointCenterHousingStudiesHarvardUnivDailyBusinessNewsMHProNews

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

 

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

 

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

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

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

 

 

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

 

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

Those forces included, but where not necessarily limited to:

–   ignorance,

–   prejudice,

–   greed,

–   political and regulatory pressures, fostered by the above,

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

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

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

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

The upshot?

Growing homelessness, including vehicular homelessness.

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

 

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

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

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

MobileManufacturedHomeManufacturedHousingIndustryFactsDataResearch

 

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

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

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

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

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

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

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

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

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

KenHJohnsonPhDFloridaAtlanticUnivRealEstateEconomics-ManufacturedHousingIndustryDailyBuisnessNewsMHProNews

FAU’s Ken Johnson made an eye opening point that applies to manufactured homes in terms of the ability for manufactured homes to help build more personal wealth https://www.manufacturedhomelivingnews.com/researchers-shake-up-american-dream-rent-vs-buy-ken-johnson-florida-atlantic-university-exclusive-to-manufacturedhomelivingnews/

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

 

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

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

RevDonaldTyeJrManufacturedHousingAdvocateQuickestWayWealthIndustryVoicesMHProNews500

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

RevDonaldTyeJrBusinessmanManufacturedHousingAdvocateDailyBusinessNewsMHProNews

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

ItsAsWrongtoUseNWordToDescribeBlackAsUseTWordTodescribeManufacturedHomeRevDonaldTyeJr.ManufacturedHousingNotT-railerNotNword

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

TheDeliberateMisueofTerminologyCanBeOffensivetoMillionsWhoProudlyOwnAManufacturedhomeOrThousandsinourIndustryMarkWeissMHARRMHproNews575

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

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

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

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

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

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

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

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

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

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

 

The High Cost of Ignorance and Prejudice

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

CivilRightsIssueAbolitionCivilRightsAffordableQualityHomesManufacturedHousingDrMartinLutherKingDailyBusinessNewsMHProNews

LATonyKovachPresenting%StateConvDeadwoodSDKenCorbinCommentManufacturedHousingIndustryEventDailyBusinessNewsMHProNews

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

The logic of these facts is this.

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

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

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

 

Terminology Matters

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

TerminologyMattersBecausetheTerminologyDescribestheConstructionStandardsHomeBuiltToSteveDukeLMHAaMHLivingNewsMHProNewsBiggerPocketsSunshineHomesRedBayAL

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

PublishingHandPickedInformationCanBeWorsefortheImpressionItMakesOnManufacturedHomesandOurIndustryThanStatingEntirelyFalseInfo-BradLovinNCMHA

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

 

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

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

MostMenAppearnNeverConsideredWhatHouseIsNeedlesslyPoorAllTheirLivesHenryDavidThoreauManufacturedHomeLivingNews

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

 

Solutions? Parallel Path One

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

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

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

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

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

 

 

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

Lenders are protected when home values are protected.

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

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

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

 

Manufactured Housing Appreciation?

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

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

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

Home appreciation is fueled by the following factors.

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

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

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

That being so, consider this.

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

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

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

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

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

 

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

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

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

ManufacturedHousingAssocRegulatoryReformMHARRMarkWeissDTSFHFA-GSEsGoingtoLargestBusinessesCorpAffiliatesDailyBusinessNewsMHProNews

Collage by MHProNews.

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

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

Hold that thought for latter.

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

 

Two Types of HUD Code Manufactured Homes?

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

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

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

 

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

compare-interiors-class-c-apartment-vs-modern-manufactured-home-credits-betweenapsontheporch-manufacturedhomelivingnews-com-posted-masthead-mhpronews-com-

Credits are as shown, collage by MHProNews.com.

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

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

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

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

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

 

The Urban Institute’s Vital 2018 Question

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

UrbanInstituteWeFollowTheMoneyClaytonHomesDailyBusinessNewsMHProNews560x352

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

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

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

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

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

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

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

 

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

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

What?

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

 

Smoking Guns…?

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

CreditIsTheLifeBloodOfHousingEricBelskyHarvardDailyBusinessNewsManufacturedHousingIndustryMHProNews

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

 

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

Why didn’t they?

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

KennyLipschutzQuotePoorJobOfLobbyinginMHIndustry-postedMHProNews-com

Kenny Lipschutz, Home First Certified Communities.

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

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

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

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

WarrenBuffettTheMoatQuoteMemeManufacturedHousingIndustryDailyBusinessNEwsMHProNEws

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

 

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

 

The Truth is Not Political

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

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

GuruFocus and the Seattle Times.

MoatCastleBuffettBerkshireClaytonHomes21stMortgageVanderbiltMortgageManufacturedHousingIndustryDailyBusinessNewsMHProNews550x305

Seattle Times -Federal Investigations-Berkshire Hathaway’s Clayton Homes, GuruFocus Spotlights Buffett’s Clayton’s “Unethical,” Monopolistic Moat. http://www.mhpronews.com/daily-business-news/seattle-times-federal-investigations-berkshire-hathaways-clayton-homes-gurufocus-spotlights-buffetts-claytons-unethical-monopolistic-moat/

 

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

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

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

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

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

 

The Problem of the One Percent

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

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

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

 

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

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

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

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

 

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

 

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

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

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

 

The Fix is Applying Existing Laws

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

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

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

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

TimWilliamsMHProNewsMHLivingNewsGoodCommunicationsResourcesILogonLatestNewsBigAssetExplainWhyIndustryVoices-768x339

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

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

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

SoTheAssociationMHIIsNotThereFortheIndustryUnlesstheinterestsoftheBigBoysJointheIndustry'sMartyLavinMHIAwardWinnerQuoteMHProNews

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

 

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

RememberThisQuoteIrPrettyPicturesMHIndustryWillOnlyAchieveItsGoalsByResovingItsCoreIssuesLATonyKovachMHProNews

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

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

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

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

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

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

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

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

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

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

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

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

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

Office 863-213-4090 |Connect on LinkedIn:
http://www.linkedin.com/in/latonykovach

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Related References:

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

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