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Posts Tagged ‘Manufactured Housing Institute’

America First, Economic Nationalism, Sycophancy, Presidents and Manufactured Housing’s Future

June 21st, 2018 No comments

 

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There are millions who find the truth to be uncomfortable.

 

Millions are misinformed about manufactured housing. The obvious answer is education.

Millions don’t know, so they don’t understand just how failed many public policies have been. Millions don’t understand how public policy impacts business and jobs, including those in our industry.

The obvious answer is education.

Hundreds of billions of dollars are pouring back into America.  It is the result of the Tax Cuts and Jobs Act, combined with regulatory rollbacks.

Those business thwarting, job killing forces of higher taxes and regulations have been tolerated for decades. Presidents John F. “Jack” Kennedy (D) and Ronald Reagan (R) demonstrated the principle that taxes could be dramatically lowered, and business and jobs would be spurred.

That isn’t partisan. Rather, it’s a law, like gravity.

Or as industry success story Marty Lavin succinctly put it in his article on trade, “You get more of what you encourage, and less of what you discourage.”

Factory-built housing industry veterans Tim Connor, and our publisher L. A. “Tony” Kovach have both said similar points to Lavin’s insight.

The point? Once more, education is the key.  A new generation of manufactured housing industry professionals and Americans must be taught what works, and why.

 

Lessons from Seattle’s Head Tax

Higher taxes or higher regulations are business and job killers. These are truths that the Daily Business News has promoted for years, and are being proven – right before the nation’s and our industry’s eyes.

Recently, giant Amazon pushed back hard on Seattle’s head tax, which was passed to pay for homeless programs. Jeff Bezos, the world’s richest man and founder of Seattle based Amazon, did not want to pay that tax, even though he can clearly afford it.  Yet, Bezos favors progressive policies? How does contradiction work in practice?

Warren Buffett and Chase’s Jaime Dimon recently praised on  CNBC the U.S. economic boom as strong. But both are Democratic supporters. Buffett has pointedly put down President Trump for years before he ran for the White House.  Buffett strongly supported Mr. Trump’s opponent, Secretary Hillary Clinton. How does that contradiction work?

Make no mistake.  The evidence is there that billionaires like Buffet, Bezos, Dimon, Soros or others who support so-called progressive or leftist causes know the truth about high taxes and heavy regulations.  It isn’t that Marty Lavin, Tim Connor, or Tony Kovach are smarter or richer than they are.

Some modest level of taxes and regulations are arguably necessary in society.  But excessive taxes and regulations are proven by experience to be destructive. That’s been known for centuries.  So, why do some favor high taxes and high regulations? In a phrase, it’s “political and economic power over their competition.”  Big business can better sustain high taxes and high regulations.

NAMCostForComplianceDailyBusinessNewsMHProNews

 

The Approaching Midterms

Democratic strategists like long-time Clinton adviser Doug Schoen have said that opposition to President Trump can’t be a winning strategy for them.  The evidence of the success of the president’s policies are increasingly strong.

Doug Schoen, Clinton Adviser, warns – “Democrats must advance an agenda…to create a society of opportunity for all – not guaranteed outcomes achieved through wealth redistribution.”

Keep in mind the lessons of the facts above.  This isn’t about a cult of personality, or party, as some narratives would have you believe.

Rather, it’s about policy principles that are as proven as gravity.  Rephrased, its about education about reality vs. flawed opinions.

YouAreEntitledtoYourOwnOpinions.ButYouAreNotEntitledToYourOwnFactsDanielPatrickMoynihanDailyBusinessNewsMHProNews

 

Presidents Then…

Yesterday, the Daily Business News spotlighted then President Gerald Ford’s speech praising what was then the mobile home industry.  The mobile home industry has evolved into the modern manufactured home (MH) industry. There were some principles that were practiced during the Nixon-Ford era, such as wage price controls, that were proven to be public policy failures. The point isn’t that President Ford was great because he was Republican (note: as pro-industry trade publishers, we are political independents).  It isn’t that President Ford was just being nice to our industry.

Rather, it is that President Ford was correct then on some specifically focused items that apply today to manufactured homes.  Those specific principles are as true today as they were back then.  If you missed it, please circle back to the article linked below once you finish this column.  Because the lessons are true, then and now.

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

 

Some Key Themes, Quotes from POTUS Trump’s Duluth Rally

We will never give in.  We will never give up. And we will never, ever stop fighting for our country,” said President Donald J. Trump near the end of his rally last night. “Or for our flag. Or for our freedom,” he said to cheers and applause. Like President Reagan, our 45th president holds different views than he once did on some issues. He evolved over time from some beliefs into America First economic nationalism.

 

It should be noted that President Trump’s call for “a space force” is in some ways an echo of Reagan’s call for the Strategic Defense Initiative (SDI), which was mocked then.  SDI was part of what brought the old Soviet Union to the table, and what ended up bringing the Berlin Wall, and the Communist Iron Curtain to a close.

President of the United States (POTUS) Trump seems to have a knack for getting at the heart of an issue. Freedom and peace through strength. He believes that his ‘tariff’ skirmish will result in better trade deals for America. Several of his economic principles are already proving themselves.

As long as we are proud of who we are and what we are fighting for, we will never, ever fail. There is no place like our place,” he said of the U.S.A. With your help, and with your voice, and with your vote,” the 45th president said his reform version of the GOP party “can keep on winning. We will keep on winning.”

We are Americans.  And our hearts bleed red, white, and blue,” said the “America First” president.

We are one people. One family, and one glorious nation under God. And together, we will make America wealthy again. We will make America strong again. We will make America safe again. And we will make America great again. Thank you, thank you Minnesota.”   The president is hoping some of his political supporters will win congressional races in the state, and perhaps flip a U.S. Senate seat or two.

The president narrowly lost Minnesota in 2016, which is a state that has been deep blue for decades.

 

Proven, Pragmatic, Pro-Business and Individual Prosperity Principles

MHProNews has and will continue to stand for proven principles, not spin, hype or political posturing.

This writer editorially supported President Trump, and the presidential campaign site carried my full column for months. Those who came late to the dance are welcome, but the point is that we discerned who the best candidate was for our industry and for our nation – Donald J. Trump – and we backed him during the primaries, after the convention, and have supported his policies since.

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

Our support for President Trump was and is based upon those principles and sound policies.  Those principles work in spite of how someone may feel about this or that presidential tweet, or this or that hyperbolic expression. Proven principles are paying off.

We at MHProNews are pragmatic and practical.  We strive to get facts and principles correct, so that professional readers and investors can have a reliable source of independent information.

This is demonstrably the most pro-industry, pro-sustainable growth publication in manufactured housing history. We are also the runaway #1 publications in our niche.  Those are bold claims.  But third-party data helps proves it. Beyond reader feedback, which of course crosses the spectrum of pro-and-con, traffic or email data tell us that most of our audience respects what we provide. By the way, it was a competitor who asked us to do the report, linked below.

What are the FACTS about Manufactured Housing Industry Traffic vs. Real Estate? MHVillage, MHProNews, Manufactured Housing Institute Data

We at MHProNews are pro-business, and we celebrate success.

That said, there are monopolies that harm our industry.  We believe in principle that those monopolies need to be legally challenged and broken up.  That includes the alleged Berkshire Hathaway monopoly over manufactured housing; but it isn’t limited to them.  Our position is based upon principles.  Other monopolies that need to be addressed are found in the article, linked below.  Each one poses a risk to our industry and the nation.

Facebook, Marketing & News – Manufactured Housing Pros, Sarah Miller, ‘Citizens Against Monopoly’ Sound the Alarm

NY Stern professor Scott Galloway is arguably correct when he says that breaking up the monopolies would create more millionaires.  A few billionaires may lose some of their vast wealth in the process. But if they are proven guilty of violating antitrust or other laws – as even non-industry sources and MHProNews has alleged – then don’t they deserve what they get?

ClaytonHomesSkylineChampionCavcoIndustriesBalanceofIndustryManufacturedHousingIndustryConsolidationGraphicPieChartMHProNews

Graphic by MHProNews, using information provided by each corporation, or named entities. The cause of the above?  See Smoking Gun 3, and those related documents and videos. Clayton and the top 25 report is linked here.

If you are a first time reader, please see Smoking Gun 3 once you’ve finished this article for documents and videos that demonstrate just how manufactured housing has been arguably derailed.  See how choking off capital debatably harmed thousands of industry businesses, and potentially millions of more manufactured home owners.  That in turn costs taxpayers billions.

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

As we’ve ratcheted up that theme of breaking up the monopolies, the Manufactured Housing Institute’s (MHI) ‘big boy’ backers have demonstrably provided more ads and financial support to the other MH industry trade sources. We’ve had sponsors tell us that they’ve been pressured to back off supporting us.

Thanks to the support of a few, we are still standing. We stand for principles, vs. those who are apparently short-term sellouts.  The industry can only achieve its potential by breaking free of the factors that have artificially suppressed our MH Industry’s growth.

LawrenceYunNARShort8.3MillionHousingUnitsRisingRentsHousingPricesCuredOnlyByMoreBuilding

Collage by MHProNews.

MobileHomeShipmentsManufacturedHomeShipmentChartMHIAShipmentsMHIndustryChampionSkylineHUDCodeDailyBusinessNewsMHProNews

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

Our publisher personally knows each other ‘serious’ non-association trade publisher or blogger active in manufactured housing today. He respects some-to-many of their qualities.  We advocate a separating the “wheat from the chaff” approach. But the sad reality is that each of those other MH bloggers and writers has to various degrees debatably ‘sold out’ to the big money interests. Their articles and writing are often – not always – that of a sycophant.

It is President Donald J. Trump and his supporters that made S 2155 possible.

White House Signing Ceremony on Historic Pro-Growth Financial Regulatory Reform

The National Federation of Independent Businesses (NFIB), the Manufactured Housing Association for Regulatory Reform (MHARR) are among those trade groups which have consistently supported tax cutting and/or regulatory reform polices that are good for America, and are good for independent manufactured housing industry businesses.

The president’s rally in Duluth, Minnesota last night hit all of the themes and topics that are hot in the news recently.  Several of the major cable networks did not carry the full address.  The CBS video above covers the President of the United States (POTUS) Donald J. Trump’s talk.

For those who are:

  • realists, open minded, and sustainable growth oriented,
  • for those that don’t already support the president’s plans,
  • those owe it to themselves to take another look.

The truth and applying the truth will alone set people free.

For those who already agree with the above, you get it.  For those who don’t, the growth after just 500 days of Mr. Trump in Oval Office should be evidence.

The opposition uses slanders and slurs, because that’s all that they have.

It should be noted that competitors in publishing in MHVille may or may not agree with the president’s policies.  But in practice, if other writers support what MHI’s ‘big boy backers’ want – admit it or not – then they are routinely on the wrong side of the MH Industry’s issues.

While Frank Rolfe has gone silent – allegedly due to a discussion between Berkshire Hathaway company members, ads, and certain benefits – several of the points he made prior to going silent about MHI were spot on.  Will Rolfe risk losing his support in favor of speaking out again?  Time will tell.

Frank Rolfe: Pressured into Silence? Manufactured Housing Industry, and Journalism

But neither Rolfe nor MHI can erase what that widely known MHI member’s already said on numerous occasions.  We keep track of the evidence and the facts, so that industry professional readers or investors can decide, and act accordingly. 

Neither can MHI ignore the new national association that is forming.  They quit MHI because of the recognition that MHI has failed the industry.

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

The evidence is clear for those willing to look at it with an open mind.

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Submit confidential or on-the-record news tips, or comments at this linked email –>iReportMHNewsTips@mhmsm.com

MHI has de facto been working for consolidation.  The case for that allegation is laid out in linked articles and reports. You can see a summary in the first Related Report, linked below.

Note that we’ve repeatedly given MHI and Berkshire brands in MHVille an opportunity to refute any of the facts we’ve presented.  For about 15 months now, they no longer even try to respond. Isn’t that a de facto admission that what we’ve been publishing is correct?

That may be a difficult pill for long-time MHI members or Berkshire believers to swallow, but it is what it is.

Please note, we’ve often made the distinction that just because someone is in MHI, or works for an operation associated with them, that doesn’t make them a bad person. Some state associations and businesses tell us that they have ‘no choice,’ but some of those in MHI are among our sources of information.  They support us as they can.

 

Phase One, Phase Two

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

Phase One has been about education.  Education is about helping free manufactured housing from the chains which has limited it for far too many years.  Education about the realities of modern manufactured homes must be ongoing.

Phase Two is about to get underway. To learn more, please see the article linked below. “We Provide, You Decide.” © ## (News, analysis, and commentary.)

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

Related Reports:

Only 3 Options – the Elephant in the Room

State Associations, Companies Quit Membership in Manufactured Housing Institute, (MHI), One Explains in Writing, ‘Why?’

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Ease Shortage with 400,000 More Manufactured Homes for California, says Jonathan Lansner, MHI’s Next CEO?

June 18th, 2018 No comments
EaseShortagew400,000MoreManufacturedHomesCaliforniaSaysJonathanLansnerMHIsNextCEODailyBusinessNewsMHProNews

Original photo, OC Register, collage by MHProNews.

Industry professionals should note the mixing of nomenclature, or feel a level of angst in reading in California’s Orange County Register the following.

 

Look, I know mobile homes[1] are not for everybody and have a nasty stigma that is sometimes deserved.”

That line was preceded by the opening words, “Bet you didn’t know California has 517,173 mobile homes[1].”

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Snippets from LinkedIn profile of Jonathan Lansner.

Citing U.S. Census Bureau data, columnist Jonathan Lansner said, “Only three states had more mobile homes[1] than California. But as the nation’s most populous state, it’s another affordable-housing metric where California trails the pack: pre-fabricated homes are a tiny share of our residential-living supply — 3.7 percent vs. 6.6 percent in the rest of the nation.”

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To see the fact-packed Op-Ed, click the link here or the image above.

Lansner has teed up various facts – and takes a stab at the boil after his stigma comment – by saying, “But when the state’s having a serious rethinking of its housing policies — actions to come eventually, hopefully — shouldn’t everything be on the table?

Manufactured home (MH) industry pros could wince over the nomenclature, but must also note his salient point. Namely, that California ought to have more manufactured homes. How many more?

Lansner says the state is about “400,000” homes short of the national average for MH per state.

He then argues that the reason that other states have a lower housing cost is due in part to the fact that those states have more manufactured homes than California does.

Start with construction costs: The typical new “manufactured home” sold in the U.S. between 2007 and 2015 was 1,500 square feet and went for $64,000. Building the average new, single-family home — minus the land price — cost $230,598 for 2,556 square feet,” said Lansner.

For an MH outsider looking in, fascinating points he’s making with his “spreadsheet” and calculator, aren’t they?

 

What’s Wrong is That Enough Don’t Ask What’s Right  

As dedicated Daily Business News readers recall, history-making Rollohome went from zero to 60,000 homes in just two years. You can read the following linked report later, for more insights.

Rollohome, Creating 60,000 Factory-Built Homes in 2 Years

Lansner, his nomenclature aside, arguably makes a far better case than the Manufactured Housing Institute (MHI) President and CEO, Richard “Dick” Jennison.  Readers may recall that Jennison inexplicably argued for slow MH industry growth.

Pardon us, Dick? During the nation’s affordable housing crisis? Did Jennison not know about rapid ramp-up cases like Rollohome? Who promised Jennison that bonus and raise for saying or supporting stunning thoughts like that?

Busted! “Failure Bonus” Paid-Richard “Dick” Jennison, CEO Manufactured Housing Institute-per MHI Document$

So, who were or are the geniuses and driving forces behind MHI’s president calling for slow growth? How does that help a state like California? Or the other 49 states, which all-in need some 8.3 million more affordable homes?

LawrenceYunNARShort8.3MillionHousingUnitsRisingRentsHousingPricesCuredOnlyByMoreBuilding

Collage by MHProNews.

Please, give the MH Industry someone who thinks more like Lansner.

 

Lansner on California vs. Other Top MH States

Lansner doesn’t go into other facts, like California leading the nation in homelessness. The New York Times reported on Dec 21, 2017 that “This year that number [of homeless in the U.S.] reached nearly 554,000 — a 1 percent increase from last year, driven by the dramatic surge in West Coast cities. More than one-quarter of the total homeless population nationwide lives in California, roughly 114,000.”

Nor does his OCRegister column deal with land use, zoning, or a range of state regulatory, immigration, or tax issues that are also arguably hobbling opportunities in the Golden State.

Instead, Lansner’s laser focused on getting more manufactured homes. “Just look at economic competitors for California, the three states with more mobile homes[1].”

Lansner argues, ”Florida is the U.S. leader with 830,351 mobile homes. [1] That’s 9.1 percent of its housing supply and the 16th highest share nationally. It’s a good bet mobile homes[1] help put Florida’s monthly housing costs 32 percent below California, according to Census data.

Wonder why the median home value of a Florida home is $166,800 vs. California’s is $409,300? (That’s the value of all homes, not those that sold.) Or why 65 percent of Floridians are homeowners vs. 54 percent in California?”

Then the OCRegister writer says, “No. 2 is Texas with 762,848 mobile homes[1] or 7.3 percent of its housing supply — No. 23 nationally. It’s got housing costs 35 percent below California; a typical home valued at $142,700; and 62 percent ownership.”

He rounds out the top four states with the most pre-HUD Code mobile homes, and post-HUD Code manufactured homes by saying, “Then there’s North Carolina with 590,302 mobile homes.[1]  That’s 13.3 percent of its housing supply — No. 7 nationally; housing costs 42 percent below California; a typical home worth $157,100; and 65 percent ownership. 

Where is the voice at MHI’s Arlington, VA headquarters making similar arguments to grow our industry?

Could the industry’s leaders have Lansner trained for a week on nomenclature plus some fine points, and then promote Lansner with his moxie to take Jennison’s spot at MHI?

JonathanLansnerOCRegisterCADailyBusinessNewsMHProNews

Lansner for MHI’s next President?;

But nobody brags about any state’s share of mobile homes. [1] In fact, it seems to be a little dirty secret when you look at the nation’s most “affordable” places to live,” Lansner said. It was an avoidable hyperbole.  But was he – like MHProNews also does at times – being satirical, to make his other compelling points?

He ends on a high note. 

Still, if California is serious about driving housing costs down — and ownership opportunities up — tough choices must be made. Novel thinking about far smaller homes in various formats should be on the table.”

The link to Lansner‘s interesting column is found here.

If the fine folks in Arlington, Knoxville and Omaha are willing to take their foot-off-the-pedals driving more industry consolidation – taking place at the very time millions of more manufactured homes are so desperately needed – do you think they may give Lansner an opportunity to replace Jennison as MHI’s president?

ClaytonHomesSkylineChampionCavcoIndustriesBalanceofIndustryManufacturedHousingIndustryConsolidationGraphicPieChartMHProNews

Graphic by MHProNews, using information provided by each corporation, or named entities.  To see Clayton Homes and the top 25, click here

That last point should not be considered a joke.  Given the choice between Lansner and Jennison, shouldn’t the pick be easy? “We Provide, You Decide.” (C) ## (News, analysis, and commentary.)

Footnotes:

[1] Mobile homes” and “manufactured homes” (MH) are not interchangeable terms, as well informed MH industry professionals know.  Regrettably, the Census Bureau has not yet made the move to differentiate between pre-HUD Code mobile homes and post June, 15, 1976 manufactured homes.  About 20 percent of the estimated 8.8 million of both types of MH housing units are mobile homes, the other 80 percent are manufactured homes.

2) A robust use of enhanced preemption and other parts of FHA and DTS would rapidly solve the affordable housing crisis, using primarily private capital.  See related reports, linked below.

Related Reports:

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

The Ultimate Manufactured Home Industry Fact$, Data, and Insights – Bullets plus at-a-Glance Infographic

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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.

 

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

June 16th, 2018 No comments
TakeMHAdvantageChallengeCanYouTellTheDifferenceFiskofSarahEdelmanDirectorDutyToserveSingleFamilyFannieMaePhotoLogoDailyBusinessNewsMHProNews

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

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

 

Her open is solid, and seemingly positive.

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

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

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

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

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

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

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

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

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

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

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

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

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

PaulBarrettoFannieMaeSpeakingAtTunicaShowMarch2018ManufacturedHousingIndustryDailyBusinessNewsMHProNews

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

Why?

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

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

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

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

Why?

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

 

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

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

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

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

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

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

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

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

DutyToServeManufacturedHousingMMarkWeissJDPresidentMHARR-MHProNews--575x191

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

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

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

ManufacturedHousingAssocRegulatoryReformMHARRMarkWeissDTSFHFA-GSEsGoingtoLargestBusinessesCorpAffiliatesDailyBusinessNewsMHProNews

Collage by MHProNews.

Edelman’s article continued as follows.

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

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

 

A Look at Sarah Edelman’s Resume 

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

SarahEdelmanPhotoDirectorOfHousingPolicyCenterProgressFannieMaeDailyBusinessNewsMHProNews

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

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

SarahEdelmanLinkedInPhotoProfileBioResumeFannieMaeDailyBusinessNewsManufacturedHosuingIndustryMHProNews510

 

What MHI Connected Sources, and Manufacturers Say

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

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

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

 

Does Your Firm Sell News Entry-Level Manufactured Homes?

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

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

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

Secretive “NEW” Class of Manufactured Housing Raises Serious Concerns

 

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

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

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

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

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

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

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

YouGetMoreOfWhatYouEncourageLessofWhatYouDiscourageMartyLavin

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

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

Manufactured Housing’s “Trojan Horse”

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

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

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

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

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

FiskingFiskDefinitionYourDictionaryManufacturedHousingIndustryDailyBusinessNewsMHProNews

 

The View from the Masthead

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

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

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

They are paraphrased in the following three bullets.

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

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

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

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

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

Update on Fannie Mae Lobbying, and Manufactured Housing Controversy

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

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

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

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

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

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

ClaytonHomesSkylineChampionCavcoIndustriesBalanceofIndustryManufacturedHousingIndustryConsolidationGraphicPieChartMHProNews

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

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

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

We Provide, You Decide.” ©  ## (News, analysis, and commentary.)

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Related Reports:

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

Update on Fannie Mae Lobbying, and Manufactured Housing Controversy

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

 

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

 

 

NorthStar and Manufactured Housing Radix

 

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Buffett, Dimon, Housing, Economic, Political Freedom, IG, Deep State, and Manufactured Housing Industry Progress

June 15th, 2018 No comments

WarrnBuffettDimonManufacturedHousingFreedomDOJOfficeOfInspectorGeneralLogoEagleManufacturedHousingIndustryDailyBusinessNewsMHProNews

None are more hopelessly enslaved than those who falsely believe they are free.”

– Johann Wolfgang von Goethe, GoodReads.

 

Chains of habit are too light to be felt until they are too heavy to be broken.”

– Warren Buffett, BrainyQuotes.

 

Most of us are imprisoned by something. We’re living in darkness until something flips on the switch.”

–      Wynonna Judd, GoodReads.

 

Like a snake sheds its skin, we are capable of getting rid of assembled habits, creating space to call matters into question…We can retreat, then, from the imprisonment of a deadly routine, acquire an identity and develop our personality.”

– Erik Pevernagie, “Man Without Qualities.”

 

The American economy is becoming the envy of the world, says a new report in NewsMax.

USBecomesGlobalEconomicBrightSpotEuropeChinaStruggleNewsmaxManufacturedHousingIndustryDailyBusinessNewsMHProNews

While U.S. economic growth is surging, other national economies are reportedly slipping and faltering.

Coincidence? Hardly.

Even left-of-center sources or Democratic supporting political supporters are starting to acknowledge that Trump Administration policies, including regulatory rollbacks, and the Tax Cuts and Jobs Act, are fueling economic expansion.

Politically Incorrect Cartoon Commentaries, Lighter Side of Making America and Manufactured Housing Great Again

Jobs that former President Barack Obama said where never coming back to the U.S. – like mining and manufacturing – are roaring back under the Trump Administration’s leadership.

 

Billionaires Warren Buffett, Chase’s Jaime Dimon Praise U.S. Economy

For those who don’t know, Warren Buffett has been a Trump critic long before his successful run for the Oval Office.

So, it is worth noting that Warren Buffett, who supported Barack Obama and later Secretary Hillary Clinton, recently praised the U.S. economic recovery that has been occurring as a result of President of the United States (POTUS) Donald J. Trump’s leadership.

Buffett says you should buy stocks, or make investments, when the long-term outlook in a field or company is good.  Think about that as you ponder Berkshire Hathaway’s moves in the manufactured housing industry space in the last 15 years.

Clayton Homes, Top 25 Manufactured Housing Industry Report, Trend Lines

As regular manufactured home industry Daily Business News readers know, Buffett’s Berkshire Hathaway includes numerous brands in and serving the manufactured housing industry.

Longtime, careful readers know Buffett supported policies that are often the opposite of what POTUS Trump is successfully promoting.

Taking each candidate at their word, Secretary Hillary Clinton would not have signed S 2155 into law, but President Trump did.

White House Signing Ceremony on Historic Pro-Growth Financial Regulatory Reform

 

ChainsofHabitAreTooLighttoBeFeltUntiltheyaretooHeavytoBeBrokenChainsYouPUtAroundYouselfNowHaveConsquencesWarrenBuffettAZQUotesDailyBusinessNewsMHproNews

This Buffett quote is worth pondering in the light of MHI and related controversies.

 

The DOJ’s Inspector General’s Report

On 6.14.2018, the Department of Justice (DOJ) Office of the Inspector General (IG) Office released an eighteen month report that points to issues with the 2016 election that point to a “Deep State,” and to issues that aren’t based in Russia, but rather are found right here in the U.S.A.

Before diving into elements of the DOJ IG report, let’s set the table with an understanding of the origin of the concept of the Deep State.

 

What is the “Deep State?”

Wikipedia says that “The term “deep state” was defined in 2014 by Mike Lofgren, a former Republican U.S. congressional aide, as “a hybrid association of elements of government and parts of top-level finance and industry that is effectively able to govern the United States without reference to the consent of the governed as expressed through the formal political process.”

According to whistleblower Edward Snowden, “the deep state is not just the intelligence agencies, it is really a way of referring to the career bureaucracy of government. These are officials who sit in powerful positions, who don’t leave when presidents do, who watch presidents come and go…they influence policy, they influence presidents.”

While some, like the New York Times, dismiss the notion of the Deep State, it is becoming widely discussed across the left-right media divide. The discussion on the so-called deep state is so intense, it’s spawned an upcoming cable TV series on Epix.

Part of the issue of “Deep State” bureaucrats, who are shown as flaunting rules that prohibit them from playing favorites, leaking information to the press, having their own agenda vs. that of an elected administration, and the like.

DeepStateDestroyTrumpBrancoPoliticalCartoonManufacturedHousingIndustryDailyBusinessNewsMHProNews

There are those in MHVille who point to Pam Danner, the prior administrator of the Office if Manufactured Housing Programs at HUD, as an example of the Deep State at work in ways that harmed the manufactured housing industry. Danner did so, they say, until she was finally removed.

Citing sources, the Washington Post report noted that it was MHARR, not MHI, that worked for Danner’s removal.

While he focused on the military-industrial complex, President Dwight D. Eisenhower raised a similar theme to the Deep State over half-a-century ago.  In his 1961 farewell address, POTUS Ike said “In the councils of government, we must guard against the acquisition of unwarranted influence, whether sought or unsought, by the military-industrial complex. The potential for the disastrous rise of misplaced power exists and will persist.”

The maxim of the proverbial “power behind the throne” makes it clear that various understandings of the Deep State are ancient, not new.

YourGuideToDeepStateBenGarrisonZeroHedgeDailyBusinessNewsMHProNews

 

The IG’s Report Points to Deep State Woes 

The DOJ’s IG report is a both a political and legal document. It claims that there is no evidence of undue influence or favoritism, before or since the 2016 election, in the FBI or DOJ.

Nevertheless, sources that have read the over 500 page report say it is replete with examples of the opposite.

Attorney, constitutional author, and talk radio firebrand Mark Levin – who at one point was a “never Trump” believer – gives a quick litany of examples. Levin lays out the facts of how the IG report reveals wildly problematic legal issues, with a strongly and illicit anti-Trump bias.

Tucker Carlson, who has an independent, libertarian bent, had several features last night that likewise raised issues with the IG report.

The video below is about what the IG report reveals about the FBI, according to a former FBI Assistant Director.

 

 

Judicial Watch President Tom Fitton on inspector general’s report’s findings in the handling of the Hillary Clinton investigation: Don’t trust mainstream media analysis.

 

Donald Trump Jr reacts to DOJ IG report.

 

 

Rudy Giuliani, attorney for President Trump, speaks out after the release of DOJ inspector general report on the FBI’s handling of the Clinton email investigation.

 

 

The president’s legal-team point man, former New York Mayor Ruddy Giuliani, said the IG report is proof that the entire special counsel handling has been tainted from the beginning.  He claims it is leading away from clear evidence of illegalities allegedly committed by Secretary Clinton and her supporters.

Meanwhile, with no evidence yet of any direct or illegal ties to Russia by the Trump campaign, there were “spies” (informants) used, electronic, and other surveillance methods used against now President Trump’s team.

The deep state could be viewed through the “Drain the Swamp” lens that helped elect Donald Trump.

ThereIsNoDeepStateSwampRightHoneyTinaTomNewYorkTimesDailyBusinessNewsMHProNews

When senior FBI agents vowed to keep Mr. Trump from winning, or would cause him to be wrongfully impeached once he won, it is a constitutionally frightening development.

Elections are a peaceful way of selecting representatives of the people in a Republic. Elections create a stake for voters.  But if elections can be rigged by high-level public officials, attempting to work behind the scenes, that’s a problem that will not end well.

But it would be naïve to think that high-level “rigging of the system” was new.

We noted the concern of President Eisenhower.  But other examples exist of the power of the unelected bureaucratic federal officials – including but not limited to, the FBI – during the Vietnam conflict, and during the civil rights movement.

This is why vigilance is necessary.  That’s a basic price of freedom.

FreedomIsnTFreeFredrickDouglassQuoteCropsWithoutPloughingRainWithoutThunderOceanWithoutRoarSturggleMOralPowerConcedesNothingMHProNews

Every day, foreign powers seek to influence each other’s politics. That’s nothing new. The U.S. has done it, China and Russia do it, as do other nations too. So the hype – mostly from the left – over “Russia, Russia, Russia” shouldn’t be overlooked, but it must be taken in context.

For Americans to remain free, “We, the People” must be properly informed. President Trump and Bernie Sanders alike were debatably correct when each said that the “system is rigged.”

Day by day, it seems clear that the 45th Chief Executive of the United States means to keep his campaign promises.

Everyone has character foibles and flaws.

JamesWattFLOTUSHillaryClintonVastRightWingConspiracyDailyBusinessNewsMHProNews_001

James Watt was known for insightful quotes.

But Mr. Trump is demonstrably taking the nation in a better economic direction. The steps he’s taken have been good for business in general, and good for manufactured housing.

Editorially, MHProNews has and continues to support President Trump based upon principles like tax cuts that have worked for past Democratic and Republican presidents alike.

As the midterms are approaching, there is a fight within the Democratic party between moderate and more socialistic Democrats. So say members of the Democratic party.

Doug Schoen, Clinton Adviser, warns – “Democrats must advance an agenda…to create a society of opportunity for all – not guaranteed outcomes achieved through wealth redistribution.”

In the GOP, recent voting indicates that pro-Trump candidates are outperforming so-called moderate or more traditional Republicans.

Time and again, the president has found a way to get things done. That’s why Americans elected him.  Unelected “deep state” actors ought not be permitted to foil the will of the people, expressed in a valid election.  “We Provide, You Decide.” © ## (News, analysis, and commentary.)

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Related Reports:

NorthStar and Manufactured Housing Radix

 

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Latest SCAM Alert, Tech Tip Report with Video

June 13th, 2018 No comments

ToddHaseltonCNBCManufacturedHousingIndustryDailyBusinessNewsMHproNews550x315

Manufactured housing professionals are every bit as likely to get hacked or scammed as the rest of the nation.

 

Industry pros have told us about their robocall hassles. It even happens to big organizations, and the federal government.  For example, the Manufactured Housing Institute (MHI) sent out an alert last week that one of their email accounts were hacked (see that under related reports, further below.)

This SCAM is Different

CNBC issued a report on the issue, that said: “Rebecca Schulte, 24, was at her apartment in West Hollywood when she received a call from a familiar area code. She picked up.”

I’m on the side of the road, there’s been a really bad car accident,” the male caller said. He claimed he’d found her number in the injured man’s phone.

Rebecca knew her father had been driving, and in a panic she asked if it was him: “Is it Brian?

Is your name Brian?” she could hear the male caller ask. He told her it was. “He’s bleeding a lot,” he added.

Then, the caller said that if she didn’t send him money immediately, he would let her father die.

I stopped mid-sob,” Schulte said. She suspected it was a scam, and Schulte hung up.

More than $9 billion was lost from telephone scams in 2017, up from $7.4 billion in 2015, according to Truecaller.

More than 7 million complaints were filed with the national do not call registry last year, according to the Federal Trade Commission (FTC), said CNBC.

If this problem isn’t solved, we’re getting close to the death of the phone call,” – said Jonathan Nelson, the director of product management at Hiya.

Nelson’s point might be a bit exaggerated, but it points to a problem across a spectrum of issues that the Daily Business News has raised from time-to-time.

At the heart of a society, there is an absolute need for a common set of widely accepted moral values.  That’s been known since the time of America’s founders, and before.  There are just not enough cops to enforce all the laws that are on the books today.

For more on the principles and facts behind that, see the 2nd and 3rd related reports, linked below. ## (News, analysis and commentary)

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Related Reports:

Manufactured Housing Institute Issues Alert – MHI Email Compromised

Promoting Home Ownership and Private Property is Premised by Understanding This

NorthStar and Manufactured Housing Radix

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

June 11th, 2018 No comments
TrailersforSaleorRentPencilHeadItsNotATrailerParkManufacturedHomeRentalRealityChecks

Face on left is a still from the music video, below.

It’s classic Sam Zell. “Pencil head,” Zell would say to potential investors who didn’t completely ‘get it’ about what is known today as Equity LifeStyle Properties (ELS), “it’s not a trailer park.”

 

It’s not a trailer park. So true.

pencil-head-its-not-a-trailer-park-els-chairman-sam-zell-c2013lifestyle-factory-homes-llc-all-rights-reserved-manufactured-ho

To see the quote from an exclusive interview with Sam Zell, click the link here or the image above.

But the song by Roger Miller, King of the Road,” provides an interesting glimpse at a historic period in MHVille that ought to be reconsidered. In decades long passed, there once weretrailer parks.”

Miller’s song opens with these lyrics.

Trailer for sale or rent, rooms to let, fifty cents.

No phone, no pool, no pets, I ain’t got no cigarettes

Ah, but, two hours of pushin’ broom

Buys an eight by twelve four-bit room

I’m a man of means by no means, king of the road…”

King of the Road” was like a battle hymn of affordable housing populists in the mid-to-late 1960s.

TrailerHouseMobileHomeManufacturedHomeFactoryBuiltHousingEvolution101MHProNews-MHLivingNews

Make a habit of using the correct terminology.

Unlike the video posted above, those true trailer houses and mobile homes of that era were newer and nicer then. It wasn’t a scandal when Elvis Presley honeymooned in a mobile home.

Elvis & Priscilla Presley Honeymooned in this Mobile Home

As informed MH Industry professionals know, it wouldn’t be until June 15, 1976 that the first manufactured homes were built. That anniversary of the dawn of the manufactured housing era comes again, this week.

For some, as “Trailer House Trauma” dramatized, the trailers of yesteryear were often seen as cool, and classy.

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

But over the years, somehow that higher degree of acceptability of mobile homes and trailer houses changed.

Part of the solution of the industry’s image issue today is to recapture its largely forgotten glory days.

To do so is both easy, and complex. For example, the industry must give every facet of pre-code mobile home owners – plus their early manufactured home evolutionary offspring – their well-deserved dignity and respect.

Affordable housing, then and now, ought to be celebrated.  Affordable housing can make even those ‘of modest means,’ King of the Road.”

MobileHomeShipmentsManufacturedHomeShipmentChartMHIAShipmentsMHIndustryChampionSkylineHUDCodeDailyBusinessNewsMHProNews

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

 

Rediscovering Mobile Home Parks, and Manufactured Home Communities

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The mainstream media, researchers, investors, and politicos are discovering – or rediscovering – manufactured home (MH) communities (MHCs).

Part of the business model mix today is the notion of renting vs. selling HUD Code manufactured homes.

As the Glen Miller song lyrics reminds us, for decades there have been some who rented instead of sold units. Zell has suggested that rentals must be well managed, and kept marginal.

Arguably, renting homes was revived in part as a response to the flaws of Dodd-Frank, and how the CFPB under Richard Corday implemented the regulations regarding manufactured home financing.

The interview with Sam Landy, JD, from a couple of years ago, makes the point why seller financing was often dropped.  That’s explained in a report with a video interview linked below from a large community owner’s perspective.  Landy is also an attorney, which puts even more insight to the concerns that motivated their change to rentals. All of the linked reports can be read later for the added details, quotes, and color.

 

Sam Landy, UMH CEO, on Dodd-Frank and The Preserving Access to Manufactured Housing Act – S 682/HR 650

 

Manufactured Home Producers, Selling and/or Renting HUD Code Manufactured Housing

To dozens of factories, it doesn’t matter much if the manufactured home being shipped are going:

  • into a development where the home will be rented,
  • to a retailer who will sell the home,
  • or into one of hundreds of the estimated 45,000 land-lease communities from coast-to-coast where presently it will often be rented rather than sold.

Indeed, as yet another community operator told MHProNews recently, the ROI on rentals is strong.

UMH is one of several REITs or private portfolio operators who rent more manufactured housing units than they sell.

As Don Westphal said during a Manufactured Housing Institute (MHI) meeting, there are reasons to hope that renting homes may introduce a new wave of people to the manufactured housing industry. They may, he said, as a result buy later on.

While Westphal’s point might make sense in theory, the total shipment data doesn’t yet reflect that reality. Could it be made so?

Possibly.

In as much as a modest percentage convert from renting to buying, the potential exists.

 

Manufactured Housing’s Multi-Family Housing Opportunity?

There are no throw away or filler articles published on MHProNews. Each post or report exists for specific reasons. As the publisher, we admit that in hindsight, there are articles that we frankly might blanch at today that were published x years ago. But at that time, based upon what we then knew, we then-and-now have aimed for relevant topics.

As a result, industry professionals have always rewarded us with their time, and read about double the pages per visit than the average mainstream news websites get, per third-party data.  While the data has changed (e.g.: more traffic now than then), the prior video plug below makes the point.

 

MH Opportunities Knock

That’s said in part because there are significant opportunities to develop with manufactured housing, using more manufactured homes as rentals.

We’ve examined numerous issues, and scrutinized several themes over the years.  We’re refining insights into critical topics in the last 2 years. Each refrain is important-to-vital for the future of the sustainable growth of MH independents.

In an upcoming video interview, we have a retailer on camera who sold numerous residential style manufactured homes to a developer.

That developer using manufactured homes is reportedly renting the units as fast as he can get them in and properly installed.

Rephrased, a manufactured home retailer sold upscale models to a developer, not entry level ones, to be used for rental housing. Those residents who rent those sharp homes will be able to bring their family and friends over, to show them off with pride.

That in turn may fuel more of Westphal’s hope that rentals could lead to more sales.  It is one of several possible approaches, including the recent report on ‘reaching for the sky‘ with high-rise manufactured home towers.

High-Rise Manufactured Home Stackable Towers, Compete with Modular/PreFabs, Density at Lower Cost

The multiple-story manufactured housing Daily Business News report above spotlighted how the industry could be going vertical in more ways than one. The better-known expression for going vertical in MHVille is linked below, and can be read later for more depth of understanding.

 

Multi-Family with Manufactured Homes

The points noted herein are many, and some are nuanced.

On the one hand, factory-home builders ought to be doing 500,000 to a million new HUD Code manufactured homes a year.  Yet this year, the current estimates are that MH will finish with around 100,000 (+/-) new home shipments.  Ouch.

LawrenceYunNARShort8.3MillionHousingUnitsRisingRentsHousingPricesCuredOnlyByMoreBuilding

There’s plenty of evidence – decades of proof of concept – that manufactured homes can be rented or sold. It’s a matter of chutzpah, the 7Ts, and establishing systems that allow one to scale results.

For example, as new apartments are going up, the evidence reflects that they fill up fast.

Bob Sullivan in Credit, citing the Urban Institute stated in a Nov 2017 report that “Today, single-family rental homes and townhomes make up 35% of the country’s 44 million rental units, compared to 31% in 2006.” and Almost all the housing demand in recent years has been filled by rental units,” says Sara Strochak, a research assistant with the Urban Institute. She also states that single-family rentals have gone up 30% within the last three years.”

Line those facts up with single-family manufactured homes, and the light-bulb for large, upside opportunities should be going off more often.

So, occasions for MHVille investing and earning more are actually more widespread than some in the business may realize.

 

Why the Low Production Numbers?

So why aren’t more new manufactured homes being shipped?

The reasons are many. But about a decade ago, capital constriction – artificially, by failing to follow federal law, and other forces – caused hundreds of retailers and numerous factories to fail or sell out for less. Related resources linked below will have more details.

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

But some of what’s gone wrong is perception.

SteveDukeLMHATheTerminologyMattersBecausetheTerminologyDefinesTheConstructionStandardsDailyBusinessNewsMHProNewsMHLivingNews1

 https://www.manufacturedhomelivingnews.com/the-ultimate-manufactured-home-industry-fact-data-and-insights-bullets-plus-at-a-glance-infographic/

We beat the drums on terminology in part because of two words. “Trailer trash.” How many people do you know that want to be known as “trailer trash?”

 

Millennials Need Affordable Housing, but “Trailer Park Boys” stigma slows Manufactured Home Acceptance

 

For example, we made numerous strategic efforts, sadly without any assistance from the folks in Arlington, to recast the discussion on the T-word.

RevDonaldTyeJrManufacturedHousingAdvocateQuickestWayWealthIndustryVoicesMHProNews500

Note, this graphic will be updated with the link to Rev, Tye’s comments, later today.

When is it appropriate to use the word “trailer?”

ItsAsWrongtoUseNWordToDescribeBlackAsUseTWordTodescribeManufacturedHomeRevDonaldTyeJr.ManufacturedHousingNotT-railerNotNword

Isn’t this part of the antidote to the t-word issue?

When should the “T-word” be seen like the N-Word?

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.

The industry’s members and investors have several options to improve results. All of it should come down to a two words.

Compelling Education.”

Retailers, Communities, Developers, Financial Services, Producers and others must invest in education of their team, and the public. Those various forms of education must take place simultaneously.

That education must include a component that recognizes the dignity of our contemporary home buyers and residents.

That education must happen based upon facts, not hype.

The industry’s so-called leadership has arguably failed to make that case. It’s a reason why there are several alternative regional and national groups beginning to form to challenge MHI in the post-production advocacy.

ManufacturedHousingInstituteMHILogoMHIInfographicSnapshotFactCheckDailyBusinessNewsMHProNews600

 

Sam Landy was and is correct when he said that each company is responsible for its own marketing. Similarly, each operation is responsible for its own sales training program.

What is being “taught” by MHEI may have some value, but it clearly isn’t moving the industry’s needle, when making some common-sense comparisons, and reality checks.

RVAnnuaShipments2011to2016RVIALogoDataCompareManufacturedHousingIndustryDataDailyBusNewsMHProNews

The RV industry has sold rings around manufactured housing for years. Why? RVs cost more per square foot, and are a luxury item, not a necessity like housing. Thus, RV data, combined with the data from NAR’s Lawrence Yun tell us that manufactured housing could be doing a million new HUD Code homes annually, in a sustainable fashion.

Despite the evidence that MHI had a member company – ours, on the consulting side of our operation – that succeeded time and again at attracting the site-built buyer – sources say that MHI first attempted to sideline us, then tried to derail us.  It’s an outrageous conflict of interest, but per sources, not the first or the last.  But the question should be asked, why would they not spotlight that proof of concept?  Doesn’t MHI’s leadership want more growth?

AnnParmanVPManufacturedHousingInstituteMHILogoLATonyKovachMobileManufacturedHomeLivingNewsMHProNews800

Why did they spin and attempt to bury such behavior? Let’s see if they publicly answer that question, shall we?

 

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

The allegations herein, and those made by Marty Lavin, MHARR, and other voices in HUDVille are serious ones.

The facts reveal that manufactured housing could be doing far better.

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

The most recent backstab at MHI member companies may be what some are calling the “new class of homes” scam. Producers, including MHI members, are disturbed by what Fannie Mae is doing, apparently with MHI assistance.

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

 

Congressional, Federal, State Investigations

This publication asked before that the minutes of the MHI GSE closed door meeting be revealed. We think it’s time for even more federal investigators to occur, plus state AGs to get involved. The link below mentions some federal investigations that are already underway.

The arguable failures at the Arlington-based national trade group are numerous.

Nevertheless, they continue to get the support by Berkshire Hathaway brands consistently. That fact belies any theories of mere arrogance, incompetence, collective low level of experience in MHVille, etc.

Put differently, Berkshire Hathaway won’t reward non-performance. Clayton closed roughly 100 of their own retail centers since 2011. Isn’t it reasonable to believe that the Berkshire brands in MHVille like what MHI is, and isn’t doing, and getting done?

Why would Jennison get his contracted extended at all? Several current and former MHI VPs have had less than favorable comments about Jennison’s abilities.  That’s simply a fact, repeatedly told to MHProNews.  So given the questions about the man, from his own office, why was he renewed? Or more to the point, why did he get a bonuses or a raise, per their IRS form 990?

Busted! “Failure Bonus” Paid-Richard “Dick” Jennison, CEO Manufactured Housing Institute-per MHI Document$

More than one attorney the Daily Business News has spoken with see potential grounds for civil actions and/or anti-trust case potential. Other legal claims may be possible, such as allegations of deceptive trade practices charges, interfering in contractual relationships, conflicts of interest, RICO, and other instances that could result in federal and/or state bureaucratic action.

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

It must be noted that those attorneys include those who are exploring class action or other claims on a contingency basis. Contingency cases mean that law firm must have a high degree of confidence in their potential case.

Will Berkshire Hathaway brands and MHI have a defense to mount? Of course. That’s what courtrooms, and the legal system are for, to give a civil battlefield for legally contentious concerns.

For over a year MHI and the Berkshire Hathaway brands in MHVille have declined numerous opportunities offered by MHProNews to respond in writing to the concerns raised, or to debate them publicly via video.  They fact that they won’t engage speaks volumes, doesn’t it?

The fact that Rick Robinson would not answer trade media questions in Deadwood, SD speaks volumes.

RickRobinsonManufacturedHousingInstituteMHIDailyBuisnessNewsMHProNewsDitto when Dick Jennison ducked out on a presentation scheduled weeks in advance.  He did so after we published a list of questions attendees should ask him during the Q&A.  That too should shout “what’s going on?” Even pro-MHI state association executives told MHProNews how suspicious that behavior by Jennison.

RichardDickJennisonManufacturedHousingInstituteMHIPresidentCEOLouisvilleManufacturedHomeShow2018DailyBusinessNewsMHProNews-76

The Top Twelve Questions for Manufactured Housing Institute (MHI) CEO, Richard “Dick” Jennison

Manufactured housing has come of age.

The Ultimate Manufactured Home Industry Fact$, Data, and Insights – Bullets plus at-a-Glance Infographic

Manufactured homes are the solution to the affordable housing crisis that’s hiding in plain sight, as MHLivingNews spotlighted years ago. That slogan we floated is becoming a more common refrain in the mainstream media.

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

But until the debatable chokehold of Arlington, Knoxville, and Omaha are fully exposed and lawfully dealt with, consolidation rather robust growth may sadly continue.

EricBelksyManufacturedHousingIndustryManufacuredHomeManufacturedHousingInstituteResearchDataAffordbleHousingMHProNewsDailyBuisnessNews575

See Smoking Gun 3.

That seems to be the unstated purpose of MHI.  That’s why we’ve editorially dubbed MHI the ‘Monopolistic Housing Institute.’

The foot must be taken off regulatory and capital brake peddles.

The Trump Administration has repeatedly shown that they’re doing its part. We pray daily that the administration won’t mistakenly allow some Berkshire Hathaway lackey to be named as the next administrator at the Office of Manufactured Housing Programs. The next administrator must be sensitive to the interests of independent producers, who are fighting against giants.

ClaytonHomesSkylineChampionCavcoIndustriesBalanceofIndustryManufacturedHousingIndustryConsolidationGraphicPieChartMHProNews

The affordable housing crisis is costly to tax payers. The regulations have for years been harmful to competing investors, and independent businesses, who create jobs in MHVille that make the American Dream possible for more good people.

The industry hasn’t sold trailers or mobile homes for more than 4 decades.

We need more industry voices willing to support the common-sense cause of fully enforcing specific, existing laws.

  1. The robust implementing of the Duty to Serve manufactured housing by the Enterprises.
  2. To do the necessary tweaks to FHA and other federally insured loans to break the Berkshire Hathaway finance grip, and
  3. to fully enforce the Manufactured Housing Improvement Act of 2000, including enhanced preemption.

Doing so will fully harness the power of manufactured housing to serve millions of Americans, with little or no tax payer subsidies. It’s a series of mutual victories, once the choke holds noted are removed.

 

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

 

The full implementation of the 3 points above could unlock some $2 trillion dollars in additional Gross Domestic Product (GDP), per third party research.

The case for contemporary manufactured housing advancement as the solution for millions of Americans is made above.  At the heart of the American Dream is the saying, “a man’s home is his castle.”

From the days of the 1960’s ballad King of the Road,” to today, the evolutionary solution is the same. Factory-built housing makes sense.

It is up to forward looking professionals to navigate the issues noted, to move manufactured homes up to meet the potential that Operation Breakthrough, Harvard’s Eric Belsky and a GSE – among others – said manufactured housing could achieve.

That’s why the billionaires want as much of the industry as they can get their hands on. ## (Coaching tips, marketing, sales, and management news.)

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

Related Reports:

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

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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Click here to sign up in 5 seconds for the manufactured home industry’s leading – and still growing – emailed headline news updates.

 

 

President Donald J. Trump Proclaims June 2018 as National Homeownership Month, Industry Reaction

June 7th, 2018 Comments off
NationalHomeOwnershipMonthManufacturedHousingIndustryDailyBusinessNewsMHProNews551x311

Still from video, posted further below on this article.

Via a release from the White House Press Room to the Daily Business News, the President of the United States (POTUS), Donald J. Trump, said as follows.

 

— start of extended quote —

PresidentTrumpProclaimsNationalFairHousingMonthApril2018DailyBusinessNewsMHProNews

During National Homeownership Month, we affirm the joy and benefits of homeownership.  For millions of Americans, owning a home is an important step toward financial security and achieving the American Dream.  My Administration is committed to fostering an economic environment in which every family has the opportunity to enjoy the sense of pride and stability that can come with owning a home.

Our Nation’s economy is experiencing tremendous growth.  I signed into law historic tax reform that cut taxes for middle class Americans and small businesses.  My Administration has also slashed unnecessary and burdensome regulations that stunted economic growth.  As a result of these actions, Americans are keeping more of their hard-earned paychecks, unemployment rates are at historic lows, and more Americans are entering the workforce.  Consequently, owning a home is becoming more attainable for many Americans.

Numerous benefits are associated with homeownership.  Owning a home gives Americans a place to call their own, and a place of comfort and safety where they can raise their families.  Homeowners also support local businesses, have a strong vested interest in their communities, and foster bonds of friendship with others who live and work in their neighborhoods.  A home is more than a place to live — it is also an investment in family, in community, and in the long-term prosperity of our great country.

This month, we celebrate those Americans whose success and determination have helped make them homeowners.  Their dedication to their families and communities, and to achieving a brighter and more secure future, is an inspiration to each person who is pursuing their own American Dream.

NOW, THEREFORE, I, DONALD J. TRUMP, President of the United States of America, by virtue of the authority vested in me by the Constitution and the laws of the United States, do hereby proclaim June 2018 as National Homeownership Month.

IN WITNESS WHEREOF, I have hereunto set my hand this thirty-first day of May, in the year of our Lord two thousand eighteen, and of the Independence of the United States of America the two hundred and forty-second.

DONALD J. TRUMP

— end of extended quote —

Fannie Mae produced a fine video, shown below.  But for all of the lip-service that they’ve been paying to manufactured homes, there’s no hint or mention of it in this video.  Why not?

To return to and surpass the manufactured home (MH) industry’s glory days, MH Pros must learn to look past polite words, posturing, or platitudes, to focus on realities.  For example, by every measure, the president is delivering. We’re proud to have editorially supported him during the primary and general election, and are focused on his results, not rhetoric.

FannieMaeManufacturedHomeAdvantageDailyBusinessNewsMHProNews600

Similarly, we must look at how Fannie Mae is touting on their home page their new Manufactured Home Advantage program. Much of what they say is terrific, and accurate, when it comes to the realities of modern manufactured homes.  But then they are arguably also subtly undermining manufactured housing, when they promote what amounts to the Manufactured Housing Institute’s (MHI) problematic “new class of homes.”

We asked officials at Fannie and MHI about this 2 days ago.  The reply?  Silence.

But others are speaking out.

 

MHI Member Observations

An MHI member/producer emailed the Daily Business News blasted the GSEs for how they’re treating the vast majority of manufactured housing.  It might have been written by MHARR, but it was a MHI-only national association member.

In another message from a MHI producing member, there’s these excerpts from a longer message.

Tony.

Good article on the Trauma issue

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

Secondly, the big change has to come from within and education and honesty.

QUIT describing ourselves as how long, how wide and how much…

 …You want parity with site built homes, then act like it!”

Image…

I check into the Tunica show and asked how many Retailers were attending… the lady looked at me as if I had two heads… when did they start calling them Retailers…”

It is all of our responsibility…I avoid the T word like those that avoid the N word.”

Whenever I hear it [the T word], I tell them that is something you put your boat on…Take care…”

What does it say that so many MH professionals fear speaking out publicly?

 

MHARR on National Home Ownership Month

MarkWeissJDPresidentCEOManufacturedHousingAssocRegulatoryReformDailyBusinessNewsMHProNewsNaturally, the Manufactured Housing Association for Regulatory Reform (MHARR) supports every possible legitimate effort to increase the wealth of renters via home-buying. HUD Secretary Ben Carson pointed out during his tour last year that renting households average only $5000 net worth, while home owners net worth averages some $200,000. While MHARR’s advocacy is for common sense regulatory reform, the ultimate beneficiaries are citizens,” said their President and CEO, Mark Weiss in a message to MHProNews. “Thus, our motto, “Preserving the Dream of Home Ownership through Regulatory Reform.”

That said, educational and marketing efforts are the proper purview of the post-production sector of the industry,” Weiss stated.

The umbrella association that claims to promote the interests of the post-production sector were AWOL last year on National Home Ownership month. They were absent the year before as well, failing to promote the 40th anniversary of the first HUD Code manufactured homes,” the MHARR president said.

There is an urgent need to establish a reality-based post-production representation that isn’t dominated by a few major companies that would seemingly rather see the industry’s consolidation instead of protecting, educating, and promoting solutions that would benefit consumers, industry and save tax payers in the process,” said Weiss.

 

Weiss’ Thoughts, Juxtaposed to Lavin’s and Allen’s

Weiss, Allen, and Lavin have all recent called out the Manufactured Housing Institute for a variety of ways that they posturing helping all segments, but in fact work for the interests of what Lavin calls the big boys.”

Weiss, as well as others are calling for – and some are working towards – a new, post-production representation.

The independent producers of HUD Code manufactured homes already have able representation in MHARR, as the Washington Post, George Washington University, and the SBA have all helped make clear.

 

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

When there’s an affordable housing crisis, and manufactured homes are estimated to do perhaps 100,000 (+/-) new home produced in 2018, what does that say about MHI’s so-called post-production leadership?

2018-06-07_0622ItsADisgraceTheSystemIsRiggedManufacturedHousingIndustryDailyBusinessNewsMHProNews

Screen capture from this morning, at 6:22 AM ET.

POTUS Trump has used the phrase, “The System Is Rigged” many times. Isn’t the MHI system rigged against the interests of most of the independent companies in MHVille? Isn’t it monopolistic when they promote a “new class of homes” that their big three members are producing?

Is it the Trump Administration whose made progress possible in MHVille? Or is it Berkshire Chairman Warren Buffett, who promoted Secretary Clinton, who had she been elected promised to double down on job and small business killing taxes and regulations? Isn’t the MHI system rigged? “We Provide, You Decide.” © ## (News, analysis, and commentary.)

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

Related Reports:

Celebrate National Home Ownership Month, with 26 Cool Prefab Cribs, a $1 Billion Dollar Hybrid Mansion, 4 Fun Videos

 

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

 

White House Signing Ceremony on Historic Pro-Growth Financial Regulatory Reform

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George Allen Reply to Mainstream Media re: Roane/Lackey/SECO Exposé, Plus MHI, MHARR, et al – “Make Manufactured Housing Great Again”

 

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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.

 

Senator Elizabeth Warren, 2020 Presidential Prospect, Threatens Wave of New Regulations

June 6th, 2018 Comments off

SenatorElizabethWarrenThreatensWaveNewRegulations

Sen. Elizabeth Warren (D-MA), blasted the Trump administration’s deregulatory agenda Tuesday.   The progressive firebrand defended the post-2008 crisis reforms she helped implement, announcing legislation to end “corporate capture of the regulatory process,” per American Banker.

 

Her speech will accelerate speculation that she will be one of dozens of Democrats pondering a presidential run in 2020.

Warren said she plans to introduce bills to “padlock the revolving door between government and industry,” stop government officials from making policy decisions that personally benefit them, and empower government agencies to pass strong regulations to keep corporate influence out of the process.

Senator Warren “framed the Trump administration’s recent policies, including efforts to roll back Consumer Financial Protection Bureau rules,” per AB, as a “war on regulations,” she said.

The so-called war on regulations isn’t about freedom,” Warren expressed during her speech at Georgetown University Law School. “The war on regulations is waged on behalf of giant companies that don’t want to follow any rules. So let’s call it what it really is — a war on public health, a war on public safety, a war on truly free and competitive markets, a war on American workers, a war on American consumers.”

That’s a clear challenge to the rising tide of some 2 out of 3 Americans who pollsters say believe that under President Donald J. Trump’s leadership, the economy is improving.

The answer is pretty simple — corruption,” Warren said. “Giant corporations and wealthy individuals are working in the shadows to make sure that government works for them, not for the people.”

Warren has blasted monopolistic practices before. But Secretary Hillary Clinton, who she supported in 2016, embraced the very corporate giants that Warren is now verbally blasting.

With recently rising markets suggesting that investors are regaining confidence that the White House could be correct on an array of domestic and foreign policy issues, and with Democrats like Doug Schoen saying that their party is locked in their own civil war between moderates and de facto socialists, the senator the president has dubbed “Pocahontas” will be one to watch.

With Manufactured Housing Institute (MHI) government relations insider, Nathan Smith of SSK Communities, along side Warren Buffett’s well known pro-Democratic leanings, industry members must ask: if the achievements under the Trump Administration will be undone with their tacit or active support if a Warren win became reality? “We Provide, You Decide.” © ## (News, analysis, and commentary.)

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

Related Reports:

White House Signing Ceremony on Historic Pro-Growth Financial Regulatory Reform

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Warning Signs for Senate Democrats, per Survey Monkey Polling

Fed Reports = American Household Net Worth Soar$

 

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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.

 

George Allen Reply to Mainstream Media re: Roane/Lackey/SECO Exposé, Plus MHI, MHARR, et al – “Make Manufactured Housing Great Again”

June 6th, 2018 Comments off

DarrylSearerGeorgeAllenSpencerRoaneTomLackeyRVMHHallofFameSECOCommunitiesSymposioumExposeMakeManufacturedHousingGreatAgain

Finally, in 2018, a rallying cry, an apt theme, a worthy goal, for the manufactured housing industry! Here it is: Make Manufactured Housing Great Again!”

So said Vietnam veteran, MH Industry blogger, and retired Marine Lt. Col. George F. Allen, on 6.4.2018.

Perhaps he’s forgetting that ‘his’ theme was a headline and featured image he and a number of his readers likely saw here on the Daily Business News approaching two years ago. Note the date on the screen capture.

MartyLavinMakeManufaturedHousingGreatAgainMartyLavinDailyBusinessNewsMHProNewsReplyToGeorgeAllen

It should be noted that the Daily Buisness News periodically references this article, and the featured image has been shown several times since it was first published. Thus, Allen has likely picked up that Make Manufactured Housing Great Again phrase right here.

 

Prologue

As an upcoming MHProNews report will demonstrate, there are:

  • multi-billion-dollars-a-year in missed new manufactured home sales opportunities,
  • as well as ethical reasons

why Allen’s recent blog-post is worthy of a few minutes consideration.

While some of what Allen wrote will debatably be shown as problematic, plagiaristic, etc., there are also a range of useful, timely, and important issues he has once again brought to light.

So, a careful reading of each part of this analysis is warranted. If you’re in a hurry, let’s politely suggest that you read this later, as a skim will likely cause misreading of this report.

Because even though he’s arguably ‘stepped in it’ here or there, the moving-toward-retirement Allen has provided a fresh glimpse at important issues. Thus, we’ll correct-the-record in the fisking of his post where needed, but the focus will be why his latest topic matters, though perhaps not always as he intended.

This analysis will also point out Allen’s reply to the controversy which erupted after mainstream media reporter Tyler Jett of the Chattanooga Times Free Press quoted Allen, and his COBA7/SECO buddy, Spencer Roane, defended embattled SECO board member, Thomas Lackey.

Lackey’s community business stands accused by several consumers, media, plus local officials, of allegedly “selling” homes “contract for title” that he did not own.

So, top to bottom, this will be a careful fact check, and analysis of issues that Allen raised and purports to address.

As Allen and Roane get stage-time, promotion, and support from some state associations, plus an industry museum, this analysis will be important for more than land-lease community operators.  Allen and Company’s actions impact retailers, producers, associations, and thus all sectors in manufactured housing.

Each section of this analysis relates to the ethics, image, and profit issue raised in the report linked below.

NorthStar and Manufactured Housing Radix

With that prolouge, let’s follow several more lines from Allen’s latest missive.

 

“Yes, You’re…Right!” Says Allen

 Continuing that ‘borrowed’ theme of “Make Manufactured Housing Great Again,” publisher and COBA7 leader Allen said this.

Yes, you’re reading that right! It ‘says it all’,” opined Allen, “hinting at our turn of the century loss of easy access to chattel capital, to the reality that quality, energy efficient, attractive HUD-Code manufactured housing can be, & is, the practical answer to the ‘affordable housing’ crisis!”

There too, Allen borrows a theme from another article first published by MHLivingNews years ago.  The linked articles can be accessed later, and are provided to document facts Allen neglected, or are otherwise related.

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

The refrain of “manufactured housing as the solution to the affordable housing crisis that is hiding in plain sight” is one which several mainstream media outlets have since picked up, using it in a positive way.

Bloomberg, HousingWire, Realtor and Fox all suggest Manufactured Homes as Important Solution for Affordable Housing in America

Editorially, we note that even when MHProNews dives into a seemingly negative issue, it is with the intent to heal, not harm.  Borrowing a principle from my better half’s profession, an untreated disease can kill a person.  A proverbial cancer in a business can kill a firm too.  Or if the plague spreads extensively enough, ‘cancer’ can be the death of a marginal or vulnerable industry.  The proper response to phyiscal or professional illness isn’t turning a blind eye, but rather, to treat the causes of the issue.

Next comes Allen’s literal punch line, allegedly aimed at this publication.

Plus, is the manufactured housing trade press up to the task of promoting this end, or still mired in backstabbing & innuendo?”

George, we’re not only “up for that challenge,” we’re happy to stand on our record of doing positive promotion and problem solving, not just talking about it.

As the above links demonstrated, it’s Allen who provided a selfy-style photo fit to sit next to the textbook definition of Chutzpah.

ChutzpahCartoonIdLikeThisBookOnChutzpahandIWantYouToPayForItWikiDailyBusinessNewsMHProNews

Some of Allen’s followers have periodically forwarded examples of his alleged “back stabbing,” so the quoted phrase arguably are more posturing for his audience than an actual challenge.

But for the second week in a row, what his opinion piece never does is directly address the serious allegations of wrongdoing raised by the Times Free Press, or the Daily Business News.   What’s George’s Answer to the Times Free Press, and other allegations? 

Allen’s answer is no answer.  Instead, he arguably practices the Ds of duck, dodge, detract, distract, and defame.

Spencer Roane w/Southeast Community Owners (SECO), Praises Tom Lackey, Accused of Rent-to-Own Manufactured Home Sales Improprieties

The absence of any denials or correction from Allen leaves him reduced to name calling, finger pointing at others, and a series of interesting distractions. Said themes are perhaps an attempt to take his readers minds off the woes Allen, Roane, and Lackey have voluntarily stepped into, see the above linked article for more details.

 

Chutzpah and Hypocrisy or MAGA on Display? Decoding Allen 

The above is arguably vintage Allen, according to veteran “Allen decoders,” which includes readers of his who are readers here. It’s his own readers who tipped us about some of his recent emailed messages, and posts.

Allen has “the chutzpah” to misappropriate themes first published by each of our trade media sites, while attempting to point fingers? Was that something he learned or taught in one of the Bible lessons he’s been known to share? If so, Oy-vez! 

But in fairness, again, besides metaphorically inedible chaff (e.g.: some of his quotes above), Allen provides some fine wheat too, which will be examined further below. Both the chaff and the wheat are useful to understand, because he’s public.

He, Roane, and Lackey are part of the forging of the problematic image of our largely noble industry.

So, let’s dig deeper into the thoughts of Allen, an RV MH Hall of Fame inductee.

 

Allen’s Bold Red Herrings…

The timing of Allen’s chest-thumping and finger-pointing are both noteworthy. He admits in his own post that his star has been sinking, because he admits to declining attendance at his round-table, and in his readership.

While admitting declines, he then lashes out with verbal challenges he posed to his long-time peers, and supporters. On several levels, they are stunning. 

Seemingly ignoring any suggestion that his or SECO’s Spencer Roane protection of scandal-challenged Tom Lackey – spotlighted by a mainstream media reporter Tyler Jett – was in any way flawed, he ignores those scandals and controversies, while lashing out at his peers and followers.

Allen – who his friends remind this writer knows and likes magic tricks – arguably attempts a series of verbal slights-of-hand.

 

Allen Lashes Out At Land Lease Community Owners, and Other Operations

Paraphrasing an unnamed source, Allen said:

I cringe every time I hear someone talk of these [land lease manufactured home] communities as being ‘cash cows’ – ready for the milking; real estate brokers casually talk of how easy it is to upgrade; and, others advocate ‘fix & flip’ strategies. Every time someone overpays for one of these communities, the writing is on the wall, warning the rest of us will suffer the consequences.”

While there are elements of tasteless wheat present in that quote, how many of his followers realize that it’s Allen, Roane, and Lackey who are putting the reputation of good communities or honest retailers at risk?

Haven’t the apparently unrepentant trio made themselves the poster children for yet another series of problematic reports that make our industry look bad? Haven’t they done so at the precise time manufactured homes (MH) are needed by millions?

Chutzpah firmly in hand, Allen plows ahead.

Your experience with neighboring communities that went downhill, reputation and appearance-wise, during 30 years of passing from one owner to another, is a sad but accurate testament to what happens when owners/operators don’t understand the cost of maintaining, let alone upgrading such properties; don’t have the funds to do so; or just don’t care,” the reportedly now-former MH Community owner Allen wrote.

 

TomLackeySECO2018-06-06_1742PlanningCommitteeSECODailyBusinessNewsMHProNews

Isn’t Allen describing the kind of problematic property that Tom Lackey is accused of running? If so, why isn’t he just calling him out, and calling for his ouster from the SECO planning committee? Why are MHInsider, and MHR promting this trio of trouble?

Allen continues, “There’s nary a land lease community owner reading these words who hasn’t experienced similar scenarios, whether they’ve suffered the consequences of being a neighbor to such malaise or profiteering – or, sorry to say, are guilty of it themselves! Yes, this is where the image improvement, affordable housing, and desirable lifestyle cycle begins and ends. Where do your properties fit into this perennial cycle?”

So, what are you doing; what are you willing to do, as a land lease community owner, to MAKE MANUFACTURED HOUSING GREAT AGAIN!?” said Allen.

Doesn’t he boldly ignore his, Roane’s, and Lackey’s hypocrisy? Isn’t the retired colonel finger-pointing in almost every direction – save the face in his mirror – odd, given he fails to hold himself or his colleagues to similar ethical standards?

Can you spell “Chutzpah,” George?  Are you colonel up to the challenge of debating all of this publicly, on video?

 

Here Comes Red Meat. Allen’s Shots at MHI, and a Swing-and-a-Miss at MHARR

In addressing the issue raised by MHARR about the lack of an effective post-production sector association, Allen says the following.

For example; it’s a given, HUD-Code housing manufacturers, the Big Three C firms in particular – who controlling 70%+/- national market share, are in the driver’s seat at the Manufactured Housing Institute they fund.”

On technical points, the soon—to-be-retiring Allen may not have noticed that the Skyline Champion deal closed Monday, so it’s no longer the 3Cs.

Skyline Champion Corporation Created as Skyline and Champion Home Builders Announce Closing of Business Combination, Exclusive Details

Nor did he notice the graphic below, which based upon their respective corporate data, reflects the fact that the big three now have 80 (+/-) percent of new HUD Code manufactured home production market share.

ClaytonHomesSkylineChampionCavcoIndustriesBalanceofIndustryManufacturedHousingIndustryConsolidationGraphicPieChartMHProNews

Allen’s points are interesting, and in a few moments, it will point to the challenge revealed in the trend spotlighted in the MHProNews graphic, above.

Factual errors aside, Allen’s next point is wheat.

Weak Link? The post-production sector,” wrote Allen – with post-production sector = code words for MHI. “In fairness, this industry observer can only opine on one of several sectors, that comprised of land lease community owners/operators nationwide. And yes, in my opinion, that sector continues to ‘go begging’ for attention and support, via advocacy and representation, within and outside Washington, DC. Not much [to] point [to] here, to repeat the ills and shortfalls of [MHI/NCC] leadership to date…”

What’s interesting, is that Allen has privately and in writing admitted his COBA7 isn’t an association, and doesn’t do the work of an association.

ManufacturedHousingIndustryMonopoly-Oligarchy-GeorgeAllen-PostedDailyBusinessNewsManufacturedHousingIndustryMHProNews-

From a prior George Allen blog post.  The insights above are one of several reasons one can’t ignore the man, because he does make some arguably valid points – the wheat must be separated from the chaff.

The following is an extended, and interesting, extended quote from his June 4, 2018 blog. Typos are in the original (disclaimer/note: in our blizzard of publishing and other industry related work, we have typos too).

Referring to the same MHARR Press Release, five tasks are recommended for attention to MHI and or, as MHARR puts it, “a new independent, collective, national post-production association.”. Heavily edited, they include:

  • Aggressively engage in all aspects of manufactured housing consumer finance 1) including secondary market support for – and securitization of – all types of manufactured home loans…”, & 2) establish secondary market for home sales.
  • Effectively oppose local regulatory and zoning barriers to all forms of affordable housing, and the development of land lease communities.
  • Ensure reasonable, cost-effective housing installation and placement criteria promoting balance between regulation and affordability. Frost Free Foundations!
  • Promote professional property management within land lease communities, as well as strong, effective representation and advocacy on the national level.
  • Commit to and engage in national brand advertising, to stimulate and maintain growth and prosperity throughout the manufactured housing industry.

No question but that they’re many other measures to achieve this end, but it’s a start. Perhaps the overarching goal, among all manufactured housing-related trade sectors should simply, to

Make Manufactured Housing Great Again!

There are several points worth pondering in the above, which was inspired by MHARR’s June report, linked here.

 

Final Swipes, Allen’s Own Admissions, and Contradictory Praise 

Allen admits he’s no longer as diligent in writing, and is no longer as read as he once was. It’s a note of humility.

He praises other trade publications, including one where his own work appears. Go figure. It’s worth noting that he praised MHInsider, which in turn has recently promoted Allen again.  MHInsider did so, even after he, Roane, and Lackey have attracted a wave of negative media.  Those are the ‘insiders’ – their self-description – go figure.

But the oddity from the AllenWorld vantage point is that those periodicals are tilted strongly toward MHI, which Allen bashed moments before. If you want consistency in thought, is that Allen?

Then without naming the publications or the publisher he borrowed his blog post theme of – “Make Manufactured Housing Great Again” – namely, MHProNews and MHLivingNews, he takes the following vague shot.

Quoting that part verbatim, without editing or filling in via [brackets] intended or implied words, he says of this publication team;

One online ezine, reportedly widely known – in this industry observer’s opinion – risks discrediting, as it brick bats those whose words and actions don’t mirror or support the editorial stance, and industry agenda, espoused by said ezine. One way to evaluate practitioners of such a fifth estate, is to number, identify, and critique the writing quality its’ stable of writers.”

It’s another classic Allenism, which only Allenites and Allen decoders can understand.  Keep in mind the “decoding Allen” tip from a former Allen client, found in the article linked below. “With George, it’s AAA.  All About Allen.”

George Allen Blasts MHI, NCC Ignoring Own, Spencer Roane, SECO, COBA7, Tom Lackey Controversies

Apparently, it is OK for Allen to critique the industry, which he clearly — and arguably, correctly —  believes that critique is necessary to advance the cause of manufactured housing.

Let’s underscore that point of his, because a good critique, and analysis are needed to make the manufactured housing industry great again.

Put differently, Allen is right to say that there are several festering issues that are harming the industry’s advancement.

But what some of Allen’s own followers tell MHProNews is this. It’s essential to have standards to base a critique on. It’s about principles, not mere posturing.  Lip service is posturing for an audience. Thus our topic on ethics, linked below.

 

NorthStar and Manufactured Housing Radix

Allen and this writer agree on some issues, such as the troubling patterns, and arguably abject failures of MHI to represent the interests of the industry at large.

Despite numerous efforts by this writer over the years to bridge the gap with Allen, and get him off mere platitudes and to consistently focus on issues that matter, the reality is it hasn’t worked yet.

 

Allen’s Several Gifts to the MH Industry

All that said, the debatably plagiarizing, narcissistic Allen has done, and/or has attempted to do, the industry several favors.

Before diving in, in fairness to the veteran, one should ask the following questions. Why is Allen so wounded? What demons does he battle?

One possible example might be how he was allegedly betrayed by the Manufactured Housing Institute/National Communities Council (MHI/NCC). How so?

Per sources, a few years ago, MHI/NCC entered into discussions with Allen to buy out his annual roundtable event, his publishing, and training. After several discussions, there was ultimately no deal made.  But as part of the buyout discussions, MHI required Allen to enter into a non-disclosure agreement, and he revealed ‘everything’ to them during those discussions.

In turn, after failing to buy out Allen, MHI’s NCC division went into direct competition with a member/company.  What MHI/NCC did by going into competition with their own dues-paying member was outrageous on its face, isn’t it?

As MHI has thus far refused to provide MHProNews with their bylaws and other non-profit documentation, it is uncertain if they violated Allen’s rights in that sense. That said, objectively and ethically speaking, it seems like a clear conflict-of-interest for MHI to compete with a smaller, dues paying member company.

ManufacturedHousingInstituteLogoGFADailyBusinessNewsMHProNews

Nor is Allen alone in that regard, again per past and/or present MHI member statements.

In as much as Allen too has called out, and finally quit MHI and the NCC – the later of which he and others helped co-found – he’s also done the industry a favor.

Tossing aside the chaff, here’s a summary of the wheat.

 

Summary of the Good Wheat

Mistakes or allegations aside, “Allen and Roane” by example did the following for MHVille.

1)   Allen and Roane have shown the industry that motivated professionals can gather a group of hundreds of industry peers together.  SECO is a nonprofit, COBA7 – per sources – is not.  But they had the potential foundation for a genuine association.

2)   With the correct elements, a number of which MHARR has listed (see linked related resources, further below), a new post-production sector can be forged. Will there be one or more post-production trade associations? That remains to be seen.

3)   Allen has shown by painful example what MHI/NCC behavior looks like. What MHI/NCC did to Allen is copy several of his topics and services, and then proceed to give ‘them away with’ MHI/NCC memberships. That’s arguably unethical by MHI/NCC, and possibly illegal and/or legally actionable.

4)   Isn’t what MHI/NCC alleged to have done to Allen a variation on what MHI award winner Marty Lavin says the association has done for years?

5)   Putting that 4th point differently, Marty Lavin recently said that MHI works only for the interests of “the big boys.” The allegations, inferences – and by deductive reasoning – Allen and Lavin have made the following clear. If you aren’t a big boy operation, at MHI, your firm is a potential meal of a big boy.

Allen, Lavin, MHARR, we, and others have not necessarily been on the same page as to approaches. But all see the problems that have flowed from the Arlington, VA based Manufactured Housing Institute (MHI).

Frank Rolfe has sadly gone silent on this, allegedly enticed by Berkshire Hathaway ad dollars, and other benefits, per sources. But Rolfe was arguably correct in calling out MHI’s hypocrisy. He was debatably correct on saying that the industry’s greatest challenges are from within, i.e.: failures at MHI.

It’s on that point about MHI being a key part of the industry’s problem that:

  • Allen,
  • Lavin,
  • MHARR,
  • Rolfe,
  • Roane,
  • the AZ and NV associations – which are forming a new national communities/post-production trade association,
  • and MHProNews, thanks to those who’ve made this industry leading site possible,

…all have agreed upon.  It’s this.

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

MHI’s antics tilt toward the interests of a few big companies, arguably at the expense of smaller companies.

7 Surprising Keys to Unlock Manufactured Housing Industry Sales Success

It’s sad that Allen has allegedly been wronged by an association he served for so many years. Perhaps there are good reasons for Allen’s bitterness, which may explain why he lashes out at voices – including ours – that share similar concerns.

It’s not our job to condemn anyone.  But it is the job of media – including trade media – to hold “the powers that be” accountable. Speaking “truth to power” isn’t easy or fun. It’s not to be done lightly.

  • To the extent Allen and others have raised the red flag about MHI, they are to be commended.
  • To the degree that Allen and others have arguably been wronged by MHI, they deserve justice.
  • To the degree that Allen, Roane, Lackey, and MHI have wronged others, they ought to make amends.

Again, in as much as various organizations or persons are failing to address the root issues that hold back the industry, for manufactured home professionals reading this, your share of the additional billions of dollars a year in sales are arguably being lost.

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L. A. “Tony” Kovach, photo by Mark Simon, shows Kovach engaging with SAAs in NY.

By L. A. Tony’ Kovach, publisher of MHProNews.com.
Tony is the award-winning managing member of LifeStyle Factory Homes, LLC, the parent company to MHProNews, and MHLivingNews.com.

 

President Trump Spotlights Factory Home Builder in Speech, Proven Promotion, Support of Industry Advancement

June 5th, 2018 Comments off

Presidential powers are substantial, but they are not unlimited. So among the tools a president can use to some effect is the bully pulpit. That’s the power of spotlighting a topic via a public forum.

 

In a speech, President Donald J. Trump raised the profile of a once-famed factory-based home builder he knew. The video of that part of his speech, is shown below.

 

 

The president’s family business has also had direct ties to an upscale factory home builder, Revolution PreCrafted Homes.

The 45th president clearly has personal knowledge of factory-crafted home building, as well as of conventional housing construction.

It is worth noting that Vice President Mike Pence hails from Indiana. Industry sources tell the Daily Business News, that then-Governor Pence understood manufactured housing (MH), used the proper terminology, and was supportive of the industry.

In Senate testimony, HUD Secretary Ben Carson, MD, has called modern manufactured homes “amazing.” Meanwhile, Secretary Carson labeled the regulatory regime of the Pamela Beck Danner era as “ridiculous.” Dr. Carson did so without mentioning her by name.

TrailerHouseMobileHomeManufacturedHomeFactoryBuiltHousingEvolution101MHProNews-MHLivingNews

Make a habit of using the correct terminology.

 

Operation Breakthrough

Levittown and that builder named by the president was an example of factory-based home building were included in HUD’s report on Operation Breakthrough, linked below. The linked reports on Operation Breakthrough – along with other linked resources from this article – can be read later, for additional details, and a deeper understanding.

HUD’s Operation Breakthrough, Promoting Factory, Industrialized Building – Mobile Home Era to Modern Manufactured Homes.

A HUD’s PD&R report linked below are one of the sources that demonstrated via university-level research that modern manufactured homes appreciated side-by-side with conventional housing in urban infill settings.

 

The full implementation of two existing laws – manufactured housing’s enhanced preemption and the Duty to Serve could unlock two trillion dollars in additional growth, without the need for massive federal spending.

Enforcing the law” has become a Trump Adminstration catch-phrase.

Enforcing the two laws linked here and above could pave the way to home ownership for millions, which in turn would spur the personal wealth of many, including blacks, Hispanics and all other demographic groups.

As Secretary Carson reminded the nation last year, home owners have an average net worth of $200,000, while renters only have an average net worth of $5,000 dollars.

There are debatably few other items that the Trump Adminstration could do than enforce those two existing laws, which would:

  • cost the federal government less tax payer money over time,
  • yield more wealth for millions,
  • all while creating more good jobs,
  • and higher domestic economic growth.

Virtually everyone, save perhaps a few monopolistic forces, would benefit from enforcing two laws already on the books regarding manufactured housing.

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

 

Posturing vs. Doing

The Manufactured Housing Institute (MHI) has attempted to claim credit for the passage of the MLO rule when S 2155 was signed into law. The Masthead predicted that this dubious MHI claim would occur from the Berkshire Hathaway dominated association, prior to the signing of the bill.

It was the Trump Administration, not MHI, that made the MLO rule passage possible.

White House Signing Ceremony on Historic Pro-Growth Financial Regulatory Reform

Note that then candidate Trump pushed for such a bill, by campaigning for reforms of Dodd-Frank.

By contrast, Warren Buffett backed Hillary Clinton pledged to do what Barack Obama did. Chairman Buffett led Berkshire Hathaway used their manufactured housing mouthpiece, MHI, to posture reforms of Dodd-Frank for years. But that reform of Dodd-Frank was only accomplished under President Trump.

Buffett publicly supported President Barack Obama, who pledged to veto a bill that included a similar provision to S 2155. MHI’s now exited government relations Vice President Jason Boehlert admitted in writing that the passage of MHI’s bill, Preserving Access was unlikely while President Obama was in the White House.

2012 Election Results and Coming Lame Duck Session

By contrast, the Manufactured Housing Association for Regulatory Reform (MHARR) said early on in the Trump Administration that the industry could not ask for a better president in the Oval Office that Donald Trump.

Once understood, its an apparently classic case of what President Trump has called “a rigged system.”

 

Examples of a Corrupt, Rigged System?

The Washington Post made it clear that it was MHARR, not MHI, that worked with the Trump Administration to exit the destructive regulatory steps Pam Danner, JD, caused manufactured housing operations during her tenure at the Office of Manufactured Housing Programs (OMHP).

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

MHI EVP Lesli Gooch specifically told the Washington Post that they did not weigh in on the Danner controversy. That confirmed months of MHProNews reporting on that subject.

By contrast, Mark Weiss, President and CEO of MHARR, was cited by the Washington Post as specifically pushing for the removal of Danner as an Obama Administration holdover, who was working contrary to President Trump’s regulatory freeze order.

The fact-patterns appear to be stark, and clear.

The Buffett/Berkshire dominated MHI was allegedly posturing reforms of Dodd-Frank and HUD, but in fact supported for president, first Barack Obama and then Secretary Hillary Clinton. That’s Mr. Buffett’s right, but then it is debatably unjust for MHI to claim that they were trying to mitigate regulations.

In fact, regarding the Department of Energy (DOE) plans for manufactured housing under the Obama Administration, MHI was promoting heavier regulations, while MHARR stood alone among MH industry associations in Washington D.C. to stop them.

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

Marty Lavin, JD, bluntly said on the record that MHI was working for “the big boys” and their interests.

The MHI award-winning Lavin has previously said “pay more attention to what people do than what they say.” In hindsight, isn’t it clear that MHI said they wanted to make certain reforms, but in fact Buffett’s “big boys” – such as Berkshire owned Clayton Homes, 21st Mortgage and Vanderbilt Mortgage and Finance (VMF) – were working to maintain or even increase regulatory burdens?

Why?

Because heavy regulations are both a barrier of entry to new businesses, and are also a force that can crush existing business operations. It is part of Buffet’s strategic “Moat” philosophy.

 

Using the established principles that high taxes, and high regulations harm smaller business, the Buffett tool of MHI was de facto aiding in the consolidation of manufactured housing companies. These are points President Trump has often raised in a general way in his speeches.

Sources on- and off-the-record have leveled charges that MHI was working against the interests of smaller companies, while Berkshire Hathaway owned brands and some others in manufactured housing were “consolidating” – or killing off – smaller independents for years. MHI’s own data reflects the trend.

 

While MHARR has raised such issues in their own fashion, only MHProNews among the industry’s trade media has spotlighted these concerns. Long-time readers will recall that MHProNews editorially supported and endorsed President Trump during the 2016 campaign. That support drew the attention of the presidential campaign, which for months had one of this writer’s articles on the Donald J. Trump campaign website.

12ReasonsEducatedIranianAmericanWomanSupportsDonaldTrumpPostedMastheadBlogMHProNews954x846

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

While industry’s bloggers and MHProNews competitors were often shilling or cheering MHI and Berkshire Hathaway owned brands, MHProNews and those who support this platform stood alone in the industry’s media to warn the industry’s members against the complex, and tortured ways MHI and Berkshire Hathaway were killing off and/or “consolidating” companies at bargain prices.

Time Travelers, and the Future of American Homes

Marty Lavin, a manufactured home industry success story in his own right, has said “follow the money.” People are entitled got their own opinions, but they are not to their own facts. MHI can claim to be working to mitigate regulations, but where is their evidence? Why did MHI VP Rick Robinson dodge questions and debate in Deadwood in 2017? Or why did MHI President Dick Jennison dodge questions in Louisville in 2018?

The Trump Administration is doing their part. They are striving to undo the damage of years of crony capitalism in Washington, D.C., step-by-step.

If Brian Montgomery and Secretary Carson will avoid the trap of appointing a MHI candidate to be the non-career Administrator of OMHP at HUD, it could be another next step forward for millions of Americans.

Based upon reports from industry sources, MHProNews has supported Vic DeRose to replace Danner. DeRose could be someone that holds to the regulatory philosophy of the president, to administer the manufactured housing program in a way that could benefit industry and consumers alike. “We Provide, You Decide.” (C) ## (News, analysis, and commentary.)

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