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Housing Choice, Where Modular, Manufactured, Tiny, Conventional Housing Crisis, MHI and MHARR Intersect

December 1st, 2018 Comments off

 

ClaytonHomesLogoManufacturedHousingInstituteLogoAssocRegulatoryReformHousingChoiceWhereModularTinyConventionalHousingCrisisSolutionMeets

Photos from Clayton website, and the logos are the properties of their respective organizations, provided here under fair use guidelines for news media. Text graphics and collage by MHProNews.

It is one of the most controversial issues in the manufactured housing industry today.  Through their apparent power at the Manufactured Housing Institute (MHI), Clayton Homes has backed the notion of a “new class of manufactured homes.”

 

It is a thorny issue, as there are various, divided views on the matter.

 

Certainly, every company has the right and ability to act according to its own perceived interests, within the norms of the law and ethical restraints.

  • If a production company so desires, it can build widget shaped homes and call it a new class of manufactured homes.
  • A firm or organization could say that all new homes should have bull-nosed exterior corners or inverted pyramid shaped roofs in order to get special financing from Fannie Mae or Freddie Mac.
  • Or one could use less esoteric notions, and opt instead for making gutters, downspouts, higher-pitched roofs, and garages available options.

But such details have arguably been incorrectly framed from the start.  Shouldn’t buyers of whatever kind of home they want that meets basic safety, energy, and durability standards be given equal choice for housing in the marketplace, and for financing too?

Rephrased, shouldn’t there be a simple mantra ofhousing choice applied?

The Government Sponsored Enterprises (GSEs) of Fannie Mae and Freddie Mac have a federal legal mandate since 2008 that they somehow managed to dodge for a decade. Now, instead of offering the lower-cost home-only lending that about 80 percent of manufactured home customers select, instead, they provided a program that is only useful for a new, untested, and special kind of HUD Code home?

  • That special kind of home is what Clayton said they wanted, why?
  • And why is that GSE lending pushing a program that is only for land-home loans, which leaves most land-lease communities and the bulk of the retail sales of manufactured homes out in the cold?
  • How do those forced-fits foster housing choice?

 

Housing Choice Should Become Part of the MH Industry’s Mantra

  • Shouldn’t those who want to buy an already federally regulated HUD Code manufactured home be allowed to choose that or any other kind of safe and durable housing they want and are able to purchase?
  • Shouldn’t all housing shoppers who can demonstrate the decades of proven durability of their housing choice be allowed to have the same kind of financing options that conventional housing buyers have been able to access for decades?
  • Shouldn’t home buyers have the right to buy an entry-level or residential-style HUD Code manufactured homes with parity of financing?
  • Isn’t parity of financing an important part of how potentially millions of more price- and payment-sensitive renters can afford to buy a home of their own?
  • So if the clear logic of all of the above are obvious, why did MHI, Fannie Mae, and Freddie Mac hold closed door meetings – refusing to release the minutes of said closed door meeting discussions – which resulted not in more chattel lending, but rather in loans geared only to this so-called, ‘new class of manufactured homes’ that are backed by Clayton?

 

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

 

Isn’t this new class of homes – and their accompanying Fannie and Freddie lending – just another back-door or oblique way of blocking access to more low-cost lending? Isn’t that effort obviously being led by the Berkshire brands in manufactured housing?  Doesn’t it remind you of the blast-from-the-past, courtesy of 21st Mortgage Corp, that is shown in their letter below?

 

21stMortgageCorpTimWillamsJune112009LetterBerkshireHathawayWarrenBuffettClaytonHomesManufacturedHousingIndustryDailyBusinessNewsMHProNews

Click the image above to download a larger sized version of this 21st Mortgage Corp Letter.

 

Isn’t this new class of homes merely a revised and open version of Smoking Gun 3, where 21st Mortgage cut off lending to thousands of operations that didn’t carry Clayton product?  See the linked report that follows immediately below, plus more related reports further below for added details.

 

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

 

We Already Have Had State Coded Modular Homes for Decades, So, Why this ‘New Class’ of HUD Code Homes?

Several voices from various parts of the industry have noted that modular housing already – on paper – had access to the same land/home mortgage lending that conventional housing enjoys.

Indeed, FHA, VA, and USDA already give parity of lending to HUD Code manufactured homes, as well as modular housing, so long as a proper installation and other lending guidelines are met.

Many manufactured home producers already built both “HUDs” and state-coded modular homes.

But HUD Code manufactured homes have widely outsold modular home building for decades. MHI’s own periodic data reflects that point.

When the goal for thousands of land-lease manufactured home communities, hundreds of manufactured home retailing independents, and MHARR has long been to get the GSEs to fully support manufactured homes with personal property loans, where was the logic of MHI pushing ‘behind closed doors’ the use of GSE lending only [???] for this new class of homes?

Hold that thought.

Hold that notion closely, because what the stated goal of MHARR and MHI began with on Duty to Serve seemed on the surface to be the same thing.  That was the apparent intersection, on paper, that virtually everyone in MHVille said they wanted more lending from the GSEs.

But what MHI ended up doing was redirecting their energy to get GSE lending only for their so-called ‘new class of homes.’  Even the new MHI self-defense, self-promotion video makes that reality a key point, as the screen capture from their new video below reflects.

 

LeveragingMomentumCreationNewClassofManufacturedHomesManufacturedHousingInstituteMHILogoDailyBusinessNewsMHProNews600

Screen capture with commentary and MHI’s logo are a collage by MHProNews, which faithfully reflects their “We’re Using Our Momentum Leveraging the Creation of a New Class of Manufactured Homes.” First, what momentum? Second, why the need for a new class of homes? Manufactured housing builders have made residential style homes since at least the 1980s. Buyers could always option in or do on-site whatever they wanted and can afford. It’s therefor a head fake, an apparent ruse that seemingly limits GSE lending to only a tiny sliver of the market that could already be served by modular coded factory-built homes, or by existing residential style HUD Code manufactured homes. This new class of homes is a costly waste of time, save for the fact that it diverts lower-cost financing. Who benefits from that fact?  A monopolist, perhaps?

BloombergShipmentNewManufacturedHomesFactoryBuildRebuildDailyBusinessNewsMHProNews

Third-party to the industry Bloomberg’s shipment data of HUD Code homes reflects that there is a modest recovery, but that the manufactured home industry is still about 75 percent below its 1998 high water mark hit during the last 30 years.

If you want to sell more manufactured homes, this new class of homes is utterly illogical on the surface.  Manufactured housing roared during the 1990s compared to today.  Some claim it was only a sugar-high, based only on bogus lending.  But that claim ignores the reality that those home buyers wanted a manufactured home in the first place. In the mid-to-late 1990s and early 2000s, numerous researchers believed that the EXISTING class of HUD Code manufactured homes was the solution to the affordable housing crisis.

EricBelksyManufacturedHousingIndustryManufacuredHomeManufacturedHousingInstituteResearchDataAffordbleHousingMHProNewsDailyBuisnessNews575

Why did Belsky miss his predicted date? Because it came before Buffett’s entry into MH? See Smoking Gun 3.

So why this need for a new class of homes?  Why not rediscover the proven affordable HUD Code homes, already improved by the Manufactured Housing Improvement Act of 2000?

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

 

If you want to encourage the acceptance of HUD Code manufactured homes, then this Clayton/MHI backed ‘new class of homes’ is demonstrably counterproductive on the surface.

Keep in mind that a researcher for the Fannie Mae Foundation some two decades ago already noted back then that manufactured homes merited better lending, placement, zoning, and other treatment. Such facts alone should make it hard for a GSE today to backtrack on their own foundation’s research.  For that report, see the link below.

 

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

 

So, this new class of homes makes no sense, unless – unless – there is a hidden or unstated agenda?

  • Is this new class of homes just another monopolistic ploy to expand Berkshire’s Moat in MHVille?
  • And as has been noted previously, isn’t this once more using access to capital or lending to harm the interests of the majority of producers, in favor of one that is also selling site built housing?

 

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

 

The Risk to Existing Manufactured Home Owners

Furthermore, isn’t there an obvious risk that the value of millions of existing manufactured homes will be undermined by this so-called new class of homes?

That isn’t a merely rhetorical question.  Because a senior contact with one of the GSEs admitted to MHProNews that it was a potential hazard.

How would millions of manufactured home owners react to not only not getting GSE chattel lending, but instead, having Clayton-led MHI working in a fashion that undermines the resale values of their homes?  Doesn’t that open the door to a possible class-action lawsuit, against the GSEs, MHI, and Clayton?

An MHI-only member messaged the following to our publisher this week, “You seem to have [a] conceptual IQ that is more important than spelling ability.” That’s nice and clever, but the matter is simply deductive reasoning or logic.

Everything that MHI has done with respect to their so-called new class of homes has been aimed to sideline opposition to it. That isn’t ‘forging consensus,’ is it? Isn’t that silencing opposition or reason-based concerns?

Isn’t what Clayton/Berkshire Hathaway lenders in manufactured housing want is to keep their choke-hold on lower-cost home lending, while promoting their own growing interests in conventional housing, all at the same time?

 

WHERE IS THE LOGIC OF HAVING MANUFACTURED HOMES THAT MAY AS WELL BE MODULARS?

Unless it was to derail GSE lending, and harm independents, all by another slight-of-hand?

All magic tricks are gimmicks, ploys – tricks. The hand is quicker than the eye. Something looks or sounds cool and good, and razzle dazzle presentations are built around it with high-cost consultants who will naturally say what the ones who wrote the check want said. That’s what a state association executive, an MHI member, has told MHProNews.

Some people will always follow a given con, that’s why tricks exist – they work on some people.

This new class of homes is a purported trick, and that is arguably why Richard ‘Dick’ Jennison would not go on with his public presentation at Louisville last January. He apparently feared having to answer questions from the Daily Business News or from members of the audience, who came armed with questions supplied by MHProNews.

 

 

It is also why Fannie Mae arguably cancelled an interview with MHProNews that their media contact had already agreed to do.  What caused that last minute cancellation?  Note that they cancelled only after they knew that among our questions would be some that focused on the genesis of how this new class of homes.

It’s Clayton and MHI, isn’t it?  How else does one explain that BOTH GSEs wanted the same thing?

 

MHARR Exposes GSES’ Failure On Chattel Financing Before Congress

 

What’s Overlooked

The genius of the HUD Code is performance-based standards that superseded other local housing code stipulations. That performance based method keeps housing costs lower for marginal buyers who won’t qualify for $150,000-$225,000 priced housing. Yet the HUD Code achieves that without sacrificing safety or durability.

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All of the above are HUD Code manufactured homes, built years before the Clayton-MHI backed new class of homes. Newcomers to the website not familiar with modern manufactured homes, learn more by clicking the image above or the link here.

 

There have long been those who argue the HUD vs MOD matter.  Our publisher said years ago that all of factory-built housing should agree not to undermine each other’s products.  Automakers don’t undermine entry-level cars when selling a Rolls Royce. Besides, more expensive modular homes can have their own headaches, as do site built housing, as a new report yesterday underscored.

 

“No Good Deed” – Brad Pitt, Make It Right Foundation Sued for Defective Modular Housing, NBC News, More Video

 

  • Let modular builders do whatever the law allows.
  • Let HUD Code builders build entry-level or more residential-style homes, in any ethical manner that they wish.
  • Ditto for tiny housing, prefab, conventional builders, and so on down the list of legitimate, safe and durable housing providers.

But the Housing and Economic Recovery Act of 2008 (HERA) which gave the Government Sponsored Enterprises (GSEs) of Fannie Mae and Freddie Mac the Duty to Serve Manufactured Housing didn’t mandate any changes to the federal HUD Code.  The GSEs should be providing lending on entry level HUD Code homes, including chattel loans, not just on these pricey new semi-modular housing units.

ManufacturedHousingAssocRegulatoryReformMHARRMarkWeissDTSFHFA-GSEsGoingtoLargestBusinessesCorpAffiliatesDailyBusinessNewsMHProNews

Collage by MHProNews.

 

This new class of homes is arguably a Trojan Horse, a blind alley, a grifters trick.

YouGetMoreOfWhatYouEncourageLessofWhatYouDiscourageMartyLavin

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

 

And sadly, the money trail and evidence – see links below – point to Clayton, 21st and Vanderbilt engineering this via MHI. That means that better lending would be unavailable to the majority of potential manufactured housing customers, as well as to those in communities or private land that may want to refinance their high cost Berkshire Hathaway loans at a lower rate.

 

KennyLipschutzQuotePoorJobOfLobbyinginMHIndustry-postedMHProNews48thMHINCClist

The charade calls for a federal investigation into MHI and the manufactured housing industry’s Berkshire brands, which sources suggest may already be underway.

SoTheAssociationMHIIsNotThereFortheIndustryUnlesstheinterestsoftheBigBoysJointheIndustry'sMartyLavinMHIAwardWinnerQuoteMHProNews

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

 

Housing Choice should become part of the industry’s mantra. For our part, we will spotlight those issues that obscure the common-sense of making manufactured housing another ‘affordable housing choice‘ that home seekers can make with their heads held high, without having to jump through any special and limiting hoops.

 

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

There’s more to come on this in the days ahead, so stay tuned to the only source in manufactured housing trade media that tackles the tough topics with facts, evidence, money trail, reason, and moxie. See the related reports, further below. “We Provide, You Decide.” © ##(News, analysis, and commentary.)

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

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Related Reports:

“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

GSEs’ “Duty To Serve Underserved Markets” Plans

 

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

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

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

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

 

Secretive “NEW” Class of Manufactured Housing Raises Serious Concerns

Emerging Building, Construction Technologies Poised to Disrupt Housing, Developing, and More

May 29th, 2018 Comments off

DroneBuildingWallDailyBusinessNewsMHProNews

This 10-minute video will show you some technologies that you will be familiar with, such as 3D Printing.

 

But it will also introduce you to technologies that you may not be familiar with at all.  This new TechZone video was posted earlier in May 2018, and it already boasts over a million views.

From:

  • patio and road paving systems,
  • to tear down tech,
  • 3D printing,
  • to wall building drones,
  • robots that build walls faster than humans,
  • and more

this is a video that forward thinkers in the manufactured and modular housing industry will want to carefully digest.

We have a follow up Daily Business News report pending on a related process that is poised to launch later this year, or early in 2019.  It is a must for factory builders.  Stay tuned. ## (News, analysis, and expert commentary.)

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

Related Reports:

Survey Top 2017 PreFab, Modular, Tiny and 3D Printed Housing News Stories

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Manufactured Housing Industry Headline News, Sunday Morning Review 11.12.2017 to 11.19.2017

November 19th, 2017 Comments off

SundayMorningManufacturedHousingIndustryNewsReview11.12to11.19.2017The November Featured Articles are live, go to this link here.

Tony, every week there is so much that happens, this [The Sunday Morning Headline News Recap] is an easy way for me to review the news, thank you for this [feature] and your team’s coverage of factory-built housing.”

If MHProNews is writing about it, I want to know about it.” – Industry professional reader.

FYI – and ICYMI if you aren’t already on our twice-weekly emailed headline news update, click here to sign up in seconds. Thousands of pros, just like you, get it.  Because they get it, they get it, get it? 😉

It has been a jam packed week, so let’s dive in…

 

What’s new on the Masthead

Andy Gallagher, “Ousting” Pam Danner, MHI, Clayton’s RVP, WVHI – “Transparency”

The Top Two latest on MHLivingNews

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SuprisedByTheTruthMobileHomesManufacturedHomeNotTrailerHouseExistingApartmentCondoTownhouseMHLivingNewsMultiRacialGenerational

https://www.manufacturedhomelivingnews.com/surprised-by-the-truth-while-shopping-for-a-new-home/

Or Jump to see all of MHLivingNews, linked here

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New On the INspiration blog…

Principles, Social Acceptance, and Posturing

 

Recapping the MH Industry’s First and Still Only…Daily Business News

Saturday 11.18.2017

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

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

Friday 11.17.2017 

·        “People of Alabama Understand” Women For Moore, Wife Kayla Say “Won’t Step Down,” – MH Market Update$

Clayton’s Oakwood Accused, “Trying to Circumvent the Law,” ‘Ready for Fight’ – BoA Fracas

·        Clayton’s Oakwood Accused, “Trying to Circumvent the Law,” ‘Ready for Fight’ – BoA Fracas

·        What can Manufactured Housing Pros Learn from Walmart’s Recent, Successful Move$?

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

What’s the Difference? Advertising vs. Educating

·        What’s the Difference? Advertising vs. Educating

 

Thursday 11.16.2017

·        ‘Gift Keeps Giving,’ Manufactured Housing Institute (MHI) Proves Member’s Point?

·        “Give Us A Chance…Improve Your Life,” Why House Bill Matters, MH UPdate$

·        Senator Al Franken Should Resign Immediately, Says Slate’s Mark Stern, Roy Moore Update

·        2 Graphics = Comparing Manufactured Home Shipments by State, with Each State’s Income Distribution

·        How Many Millions of Housing Units Does the U.S. Need Today?

Wednesday 11.15.2017

Study Recommending New Manufactured Housing Association for Independent Retailers, Communities, Lenders, Others Released

·        Study Recommending New Manufactured Housing Association for Independent Retailers, Communities, Lenders, Others Released

·        AG’s Google Anti-Trust Probe, Signal of Things to Come in MHVille? MH Market Updates

·        Exclusive – HUD’s Manufactured Housing Program Administrator Pam Danner, Update

Exclusive – HUD’s Manufactured Housing Program Administrator Pam Danner, Update

·        Obtained Email Details Richard Cordray Resigning Soon, Cong. Hensarling Reacts

·        Troubling New Study Reveals a Millennial Trend, Business, Economic, Political Impact 

 

Tuesday 11.14.2017

 

·        Eminem, “8 Mile,” “Mobile Homes,” Frank Rolfe – Understanding Media and Public Perceptions of Manufactured Housing

·        Buffett Up$ Apple Stake, Manufactured Housing Industry Market Update$

·        Inside MH – Not Every Democrat, Not Every Republican – Politically Incorrect, Factually Accurate

Inside MH – Not Every Democrat, Not Every Republican – Politically Incorrect, Factually Accurate

·        Profitable Insight$ – POTU$ Trump Effect on MH Stock$ at 1 Year, Part 4

·        $58,000 PreFabs, Videos, Updates of More Hi-Tech Backers

$58,000 PreFabs, Videos, Updates of More Hi-Tech Backers

Monday 11.13.2017

·        Pamela Beck Danner, JD – Current HUD Manufactured Housing Program Director – Video from Supporters

·        GOP Split on Roy Moore, Tax Reform – Plus Manufactured Housing’s Market Update$

·        Bill Gates’ Subsidiary Belmont Plans Smart City of Future, What Role Will Factory Built Homes Play?

Bill Gates’ Subsidiary Belmont Plans Smart City of Future, What Role Will Factory Built Homes Play?

Suppliers LPX, Patrick, Manufactured Home Builders Nobility, Skyline Homes – the Trump Effect on MH Stocks, Markets Part 3

Manufactured Housing Monday Morning Sales Meeting: Finance & Industry Facts, Figures, Sales Tip$ Improving Best Practice$

Manufactured Housing Industry Headline News, Sunday Morning Weekly Recap 11.5.2017 to 11.12.2017

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Sunday Morning Weekly Recap Manufactured Housing Industry News, October 15 to October 22, 2017

October 22nd, 2017 Comments off
SundayMorningWeeklyRecapSept4toSept10ManufacturedHousingIndustryDailyBusinessNewsMHProNews-1

Featured image credit, MHProNews.

Tony, every week there is so much that happens, this [The Sunday Morning Headline News Recap] is an easy way for me to review the news, thank you for this [feature] and your team’s coverage of factory-built housing.

Our featured articles for September are available on the MHProNews.com home page.

FYI – and ICYMI if you aren’t already on our twice-weekly emailed headline news update, click here to sign up in seconds.

Thousands get our emails, and the open and click through rates – per MailChimp – blow away others in media and publishing.  The reason?  “Relevant!” said a regular on MHProNews.

To see the line-up of over 2-dozen featured articles for the month of September, along with the headline commentary, please click this link here.

Manufactured, modular and prefabricated home professionals know that how a home got to its location should not define a person or their dwelling.

What the Daily Business News spotlights day-by-day are the tragedies, triumphs and struggles for acceptance of the obvious solution for millions for the growing affordable housing crisis in the U.S. and beyond.

When you read the lineup for the month found on the home page, you can reflect on another motto as you chart your own professional path ahead: “We Provide, You Decide.”  ©

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What’s New On MHLivingNews

October 20th, 2017ElectedOfficalExplainsSurprisingModernManufacturedHomesVideoInterviewMHLivingNews

 

October 19th, 2017

WilliamBillShefferMiManufacturedHousingAssocDarrenKrolewskiMHVillageTomHardemanModBuildingInstittuepostedDailyBusinessnwesMHProNews

http://www.mhpronews.com/blogs/daily-business-news/controversial-modular-home-will-be-removed-from-development-industry-reactions/

October 18th, 2017

PatrickBarnardMortageOrbLinikedInFreelanceWriterEditorDailyBusinessNewsMHProNews

October 17th, 2017

FrankRolfeOnTheRecordManufacturedHousingInstituteMHIMediaEngagementDailyBusinessNewsMHProNewsVideoStill

 

October 16th, 2017

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New York Housing Association’s award winning executive director, Nancy Geer.

October 15th, 2017

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Sunday Morning Weekly Recap Manufactured Housing Industry News, September 24 to October 1, 2017

October 1st, 2017 Comments off
SundayMorningWeeklyRecapSept4toSept10ManufacturedHousingIndustryDailyBusinessNewsMHProNews-1

Featured image credit, MHProNews.

Tony, every week there is so much that happens, this [The Sunday Morning Headline News Recap] is an easy way for me to review the news, thank you for this [feature] and your team’s coverage of factory-built housing.

Our featured articles for September are available on the MHProNews.com home page.

FYI – and ICYMI if you aren’t already on our twice-weekly emailed headline news update, click here to sign up in seconds.

Thousands get our emails, and the open and click through rates – per MailChimp – blow away others in media and publishing.  The reason?  “Relevant!” said a regular on MHProNews.

To see the line-up of over 2-dozen featured articles for the month of September, along with the headline commentary, please click this link here.

Manufactured, modular and prefabricated home professionals know that how a home got to its location should not define a person or their dwelling.

What the Daily Business News spotlights day-by-day are the tragedies, triumphs and struggles for acceptance of the obvious solution for millions for the growing affordable housing crisis in the U.S. and beyond.

When you read the lineup for the month found on the home page, you can reflect on another motto as you chart your own professional path ahead: “We Provide, You Decide.”  ©

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What’s New On MHLivingNews

Manufactured Home Community Survives Hurricane Harvey, Damage Reports, and Relief EffortsSeptember 30th, 2017

Top10BreathtakingModernShippingContainerHomesUS2017DailyBusinessNewsMHProNews

September 29th, 2017

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https://www.manufacturedhomelivingnews.com/seek-first-a-post-charlottesville-message-of-healing-and-principles-for-america/

September 28th, 2017

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September 27th, 2017

HeritageKennedyReaganTaxCutsWorkedDailyBusinessNewsMHProNews

September 26th, 2017

RobotsAIReplacingSkilledHumanPositionsMoreRapidlyThanExpected

September 25th, 2017

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September 24th, 2017

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Sunday Morning Weekly Recap Manufactured Housing Industry News July 30th to August 6th, 2017

August 6th, 2017 Comments off

WeekOfJuly302017toAug52017DailyBusinessNewsMHProNewsOur new August issue will go live tonight, Aug 6th.  Until then, our  theme for the month: July Justice 2017 – MH Billionaires, Millionaires, and You  Our featured articles will be available on the MHProNews.com home page. Our May theme will be available mid-week this week.

 To see the line-up of over 2-dozen featured articles for this month, along with the headline commentary, please click the link above.

Manufactured, modular and prefabricated home professionals know that how a home got to its location should not define a person or their dwelling.

What the Daily Business News spotlights day-by-day are the tragedies, triumphs and struggles for acceptance of the obvious solution for millions for the growing affordable housing crisis in the U.S. and beyond.

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When you read the lineup for the month found on the home page, you can reflect on another motto as you chart your own professional path ahead: “We Provide, You Decide.”  ©

 

What’s New On MHLivingNews

“Po-Dunk” Performer Kid Rock, Eyes Senate Run, Makes Manufactured Home Living Hip

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August 5th, 2017

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Ross Kinzler, top left. Sophia, top center and Right (credit, Phys) Kinzler credit, MHProNews.

August 4th, 2017

CongratulationsStephanieMcAnuffGroupManufacturedHomeCommunitiesDailyBusinessNewsMHProNews

August 3rd, 2017

WhiteHouseChiefStrategistSteveBannonWantsGoogleFacebookTreatedLikeMonopolies

Image credits are as shown, text and collage credits, MHProNews.com.

August 2nd, 2017

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Actively retired minister and factory built housing advocate, Donald Tye Jr. explains the complex web that can cause addiction. Loss of hope is one factor. In a prior report, linked here, Tye explained that public housing – an entitlement – often yields addiction. Ownership vs. renting or living in “projects” leads to integrity, a view similar to those of Dr. Martin Luther King, Jr.

August 1st, 2017

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July 31st, 2017

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http://www.mhmarketingsalesmanagement.com/blogs/industryvoices/uncertainty-us-the-only-known/

 

July 30th, 2017

(Image credits are as shown above, and when provided by third parties, are shared under fair use guidelines.)

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

Gentrification: A New Challenge for Manufactured Housing

May 29th, 2017 Comments off

Manufactured homes in Florida. Credit: Bankrate.

In Central Florida, Ro-Mac Lumber and Supply Inc. CEO and host of the “around the house” radio show Don Magruder, touched on a very important subject for those who live in, or are looking to live in manufactured housing.

There are an estimated 20,000-plus older manufactured homes with improper tie-downs in Florida, and the state has designated $2.8 million this year for a Mobile Home [sic] Tie-down Program. The issue for many homeowners is qualifying for the program,” said Magruder, in his commentary in the Daily Commercial.

Throughout Lake and Sumter counties there are thousands of older manufactured homes providing low-cost housing solutions to seniors with fixed incomes and middle-class working people.”

Magruder continued, calling out a significant issue.

Don Magruder. Credit: Ro-Mac Lumber and Supply Inc.

Through building codes and insurance regulations, there seems to be a coordinated effort to eliminate manufactured homes as a housing source for people with lower incomes so that properties can be turned into higher-end, single-family developments.

The problem for most is that a person living in a 30-year-old manufactured home cannot afford a site-built home. Some argue this is gentrification of lower income seniors and working people,” said Magruder.

As Daily Business News readers are already aware, manufactured housing communities often represent the most financially attractive pieces of property in large cities, with the opportunity to develop higher priced housing.

Magruder uses a common comparison to support his point on the issue.

Imagine if Florida implemented a code then pressed insurance companies not to issue policies for any car built before 1999. What would happen if every person owning an older car was told their car had to be upgraded to today’s new safety standards? It would mean adding computers, airbags, crash technology and seat belts,” said Magruder.

This is essentially what is happening of older manufactured homes, and it is being done under the guise of the health and safety of the homeowner. Shouldn’t that logic apply to old vehicles, since both are licensed by the same department?”

Magruder also points to the importance of verifying that a used manufactured home has been properly upgraded, and if it hasn’t what a potential buyer would need to do.

Before you buy a used manufactured home, it is imperative to verify if the home has been upgraded to the 1999 tie-down installation standards instituted by the Florida Department of Highway Safety and Motor Vehicles,” said Magruder.

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A home at Lamplighter Village. Credit: Florida Today.

If not, you may not be able to purchase homeowners insurance. Installation standards for anchors and tie-downs is very specific, and it can be very expensive to retrofit on an older manufactured home. For example, an inspection to check the tie-downs on an older manufactured home normally costs around $300 and a prospective homeowner could spend anywhere from $1,800 to $3,000 to upgrade tie-downs to the 1999 code.”

Others around the country are working to assist owners of older manufactured homes to secure needed repairs, upgrades, or in some instances new homes. For more on those efforts in the state of New York, click here. ##

 

(Image credits are as shown above, and when provided by third parties, are shared under fair use guidelines.)

 

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RC Williams, MHProNews.

Submitted by RC Williams to the Daily Business News for MHProNews.

 

(Copyright Notice: This and all content on MHProNews and MHLivingNews always have been and are Copyrighted, © 2017 by MHProNews.com a dba of LifeStyle Factory Homes, LLC – All Rights Reserved. No duplication is permitted without specific written permission. Headlines with link-backs are of course ok. A short-quoted clip, with proper attribution and link back to the specific article are also ok – but you must send a notice to iReportMHNewsTips@mhmsm.com of the exact page you’ve placed/posted such a use, once posted.)

Sunday Morning Weekly Recap Manufactured Housing Industry News May 21st 2017 to May 28th 2017

May 28th, 2017 Comments off

sunday-morning-weekly-manufactured-home-pro-news-recap-1-4-to-1-10-2015-mhpronews-com-Our theme for this month: Magnificent May. Our featured articles are now available on the MHProNews.com home page.

To see the line-up of over 3-dozen featured articles for this month, along with the headline commentary, please click the link above.

Manufactured, modular and prefabricated home professionals know that how a home got to its location should not define a person or their dwelling.

 

What the Daily Business News spotlights day-by-day are the tragedies, triumphs and struggles for acceptance of the obvious solution for millions for the growing affordable housing crisis in the U.S. and beyond.

mhpronewslogoindustrynewstipsviewsproscanuse

 

When you read the lineup for the month found on the home page, you can reflect on another motto as you chart your own professional path ahead: “We Provide, You Decide.”  ©

 

What’s New On MHLivingNews

 mhlivingnews-improvedlivingforle-logo

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

 

Respect Demanded: MHC Residents, Families, Speak Out

 

What’s New On MHProNews

 

Saturday May 27th, 2017

 

Texas Business Interests? TMHA Urges Calls to Legislators TODAY, Yes Saturday, Supporting Pending Bill

 

The Curious Case of a Sewer System… Or Not

 

 Friday May 26th, 2017

 

While MSM Spins Anti-Trump Narrative, Voters and Donors Support the President

 

UMH Spotlight as they, Sun Communities Gain, MHCV Battered, Broader Markets Mixed

 

Manufactured Home Community Best Practices Debate, Rentals vs. Sales and Accounting Methods

 

Veteran Gets Assist from Manufactured Home Community Residents

 

Manufactured Housing Delivers Hope for Families in Need

 

 Thursday May 25th 2017

 

Pros and Cons of Licensing, How Government Regulations Can Harm Job Creation

 

Skyline Shares Spike, MHCV Takes Huge Leap, Broader Markets Rise for Third Straight Day

 

Modular Construction Could Provide Critical Solution

 

As Site-Built Housing Market Drifts, Huge Opportunity for MH Rises

 

Manufactured Housing – Helping Those Most In Need

 

Wednesday May 24th, 2017

 

When You Manage a Community Long Enough

 

UMH, Nobility Spike, MHCV Dips Again, Broader Markets Rise on Fed News

 

Is it Judgment Day for the CFPB?

 

MHARR: EPA Action on Formaldehyde Rule

 

Zell: “I Try to be Right 60 or 70 Percent of the Time”

 

Tuesday May 23rd, 2017

 

LCI Industries Makes Major Move

 

Skyline, ELS Gain, MHCV Dips, Broader Markets Jump as Trump Budget Arrives

 

Trump’s Negative News Coverage Belies Public’s Positive Pesky Facts

 

Manufactured Home Community Faces the Music

 

NFIB Sounds off to Washington on Tax Reform

 

 

Monday May 22nd, 2017

 

MHARR to the EPA: Withdraw Discriminatory Formaldehyde Mandate

 

Cavco Spikes, Skyline Plummets, Broader Markets Rise on Trump Trip Momentum

 

Big League Presidential Deals Undermine DC Narrative of Struggling Trump Administration

 

Tiny Homes Make Moves North of the Border

Victory for Residents or Erosion of Rights? A City Takes Action

 

 

Sunday May 21st, 2017

 

Sunday Morning Weekly Recap Manufactured Housing Industry News May 14th 2017 to May 21st 2017

 

(Image credits are as shown above, and when provided by third parties, are shared under fair use guidelines.)

 

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RC Williams, MHProNews.

Submitted by RC Williams to the Daily Business News for MHProNews.

 

(Copyright Notice: This and all content on MHProNews and MHLivingNews always have been and are Copyrighted, © 2017 by MHProNews.com a dba of LifeStyle Factory Homes, LLC – All Rights Reserved. No duplication is permitted without specific written permission. Headlines with link-backs are of course ok. A short-quoted clip, with proper attribution and link back to the specific article are also ok – but you must send a notice to iReportMHNewsTips@mhmsm.com of the exact page you’ve placed/posted such a use, once posted.)

Manufactured Home Community Best Practices Debate, Rentals vs. Sales and Accounting Methods

May 26th, 2017 Comments off
tristar-estates-bourbonnais-il-CreditMHC-MD-com, posted MHPorNews.com.

Arial photo credit, MHC-MD.com.

A recent post from Eric Enloe, Managing Director of JLL Valuation and Advisory Services has revved up debated topics in the industry – home rentals versus sales – as well as a look at various best practices regarding accounting and corporate structure methods.

Most participants in the manufactured housing industry know that the best way to add value over time to a land lease community is to drive maximum rental growth rates while holding expenses to a lower growth rate,” writes Enloe.

But, did you know you can often add value to a community without investing any time or capital?”

Enloe then provides three “tricks” to maximize community value, as viewed through what he calls the eyes of a lender:

  • Ensure that your leases allow for a pass-through of increases in real estate taxes and other government assessments.

Enloe writes that this lease clause will ensure that, as your property rises in value, a hypothetical increase in real estate taxes doesn’t impair the underwritten value of your property.

  • If you have community-owned homes, make sure you charge yourself the same rent as your third-party pad tenants.

If you charge yourself—or a related entity— below-market pad rent, you could be reducing the value of your property from a lender’s perspective because they are often limited to underwriting rents supported by the rent roll,” Enloe said.

Alternatively,” says Enloe “the lender is not likely to allow you to count community-owned pad rents in excess of unrelated third-party pad rents, but be sure not to short change your community by failing to ensure that community-owned pad sites depict rental rates at least in line with other tenants.”

  • If you have community-owned homes, some of your payroll, as well repairs and maintenance expenses, is likely associated with maintaining these homes rather than the actual land lease community.
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Credit: The Investor.

Enloe writes that, “if you can track these labor and materials expenses separately, or at least make a reasonable estimate of them at the end of each month, many lenders will allow you to deduct these expenses from your property’s operating expenses, thereby increasing the underwritten value of the community.”

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Eric Enloe. Credit: CRE.

He continues, “if the lenders can’t give you credit for your personal property (chattel), you shouldn’t be penalized by counting the expenses for maintaining such chattel as a community operating expense, reducing the underwritten value of your property.”

Following these three simple suggestions,” writes Enloe, “will maximize most lenders’ underwritten value of your community, ensuring the best possible financing terms for yourself or a potential buyer.”

 

Gathering Industry Feedback

As the manufactured housing industry’s trade publication of record, MHProNews asked for industry feedback from professionals in the community sector on Enloe’s article.

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Richard Nodel, owner, Nodel Parks, photo credit, LinkedIn.

I agree with all three points made. I think the most important one has to do with segregating all expense attributable to the home operation separate,” says Richard Nodel of Nodel Parks.

As we know lenders do not like to count the ‘home rental income.’ To help offset that, we need to clearly show all the expenses that could be cut if the rental homes were not there.  Again, nothing controversial there, just good common sense.“

I am in favor of more attention being paid to the ever-growing segment of our business, which is rental housing,” said Nodel.

Sun, ELS and UMH are among those community operators that turned to rentals as a faster way to fill vacant home site.

Bucking the Rental Trend with Home Sales

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Video still from Roberts Resorts are from an exclusive interview, A Cup of Coffee with Scott Roberts of Roberts Resorts, linked here.

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http://www.mhmarketingsalesmanagement.com/cup-of-coffee/a-cup-of-coffee-withscott-roberts

Scott Roberts of Roberts Resorts, is one community professional who is “bucking the trend” in the tide of rentals in communities.

Roberts says that his operation is focused on selling homes, rather than renting them.

Other industry professionals point out that renting homes routinely results in a drop in new manufactured home sales.

While some renters may, over time, decide to buy the home they lease/rent, the total conversions reported to MHProNews typically hover in the low single digit a year range when it comes to the percentage of buyers that become renters.

Other Views

I disagree with the first bullet – rising real estate taxes would be a reflection of rising site rents or occupancy – both of which should cover increases in RET. I assume owners are already charging what the market will bear for site rent,” said one industry professional, off the record.

Other comments included this from a Midwestern operator.

If the owner is at that max, and the RET finally catches up, does it really make sense to go to residents and say, “I just increased your rent for 2018 by $15.  That was before I knew I’d pay an additional l $5 per pad for increased RET.  So I’m passing that on too? Isn’t the increase in RET reflective of the ongoing increase in site rent?”

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Brian Gallagher. Credit: LinkedIn.

Brian Gallagher, Chief Operating and Financial Officer Santefort Real Estate Group, LLC, shared his take regarding point number three in the Enloe article.

Rather than record all home and site expenses on the books of the entity which owns the community and is the borrower on the mortgage, and then ‘deduct’ home related expenses from site operations, it’s much better to establish a separate LLC to account for all home operations, separately from site operations,” Gallagher told MHProNews.

 

A Closing Disclosure

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On the consulting side of MHMarketingSalesManagement, there are companies our sister operations work successfully with that fall into each of these camps.

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MHProNews is not taking a public position on these questions.

Instead, as the industry’s trade publisher of record, we’re highlighting the evolving discussion and debate in the important manufactured home community sector on how these issues are viewed by professionals.  This fuels the useful discussion of what are the best practices for community owner/operators?

The Daily Business News will continue to track these and other industry debates and discussions. ##

(Image credits are as shown above, and when provided by third parties, are shared under fair use guidelines.)

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RC Williams, MHProNews.

Submitted by RC Williams to the Daily Business News for MHProNews.

 

(Copyright Notice: This and all content on MHProNews and MHLivingNews always have been and are Copyrighted, © 2017 by MHProNews.com a dba of LifeStyle Factory Homes, LLC – All Rights Reserved. No duplication is permitted without specific written permission. Headlines with link-backs are of course ok. A short-quoted clip, with proper attribution and link back to the specific article are also ok – but you must send a notice to iReportMHNewsTips@mhmsm.com of the exact page you’ve placed/posted such a use, once posted.)

Veteran Gets Assist from Manufactured Home Community Residents

May 26th, 2017 Comments off
VeteranGetsAssistfromManufacturedHomeCommunityResidentscreditFOX11-postedtothedailybusinessnewsmhpronewsmhlivingnews

Auer’s home in the Lakeview Community. Credit: FOX 11.

As we head into a holiday where we honor those who’ve made sacrifices, the spirit is alive and well in Oshkosh, Wisconsin.

According to FOX 11, Martin Auer, who is an Army and Marine Corps reserve veteran, and also a 30-year resident at the Lakeview Mobile Home community, needed some help.

His home was in need of some TLC. I needed a new shed, plus I needed new skirting,” said Auer.

The company that owns the Lakeview Community, RV Horizons, selected Auer to receive a renovation, and community residents got together to volunteer their time and deliver on that promise.

It’s back-breaking, but it’s worth it,” said resident and volunteer Edith Simpson.

It’s going to be really nice, and when we get it done, it should look like a really nice place,” said community manager Donna Hodges.

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Volunteers work on the home. Credit: FOX 11.

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Credit: FOX 11.

As the renovations got under way, Auer, in true military fashion, was grateful.

I’m very appreciative, and relieved. I didn’t have to try to get it done myself,” said Auer. “There’s a lot of good people out there.”

The feeling from the volunteers is reciprocal.

Freedom is not free, and it takes a lot of sacrifice from people like Mr. Auer,” said Hodges.

VeteranGetsAssistfromManufacturedHomeCommunityResidentscreditFOX11-postedtothedailybusinessnewsmhpronewsmhlivingnews5

Credit: FOX 11.

I know what it’s like to struggle. It’s nice to be able to help somebody in the community that really needs the help,” Simpson added.

As the house skirting, hammering and building took place, Simpson and Auer reflected on the deeper meaning of taking action for good.

This is good, people’s attitudes have really changed about the military,” said Auer, while discussing that the treatment of veterans has not always been as good as it is now.

We’re all together, chipping in and helping, and doing what we can,” said Simpson.

VeteranGetsAssistfromManufacturedHomeCommunityResidentscreditFOX11-postedtothedailybusinessnewsmhpronewsmhlivingnews3

Credit: FOX 11.

Our vets deserve to be helped out with every little thing that they need, and this is a big thing, more people should get out there to help our vets.”

RV Horizons says it would like to continue doing projects like this for residents in need in the future.

For more on manufactured housing doing well by doing good, including assisting victims of Superstorm Sandy, click here. ##

 

(Image credits are as shown above, and when provided by third parties, are shared under fair use guidelines.)

 

rcwilliams-writer75x75manufacturedhousingindustrymhpronews

RC Williams, MHProNews.

Submitted by RC Williams to the Daily Business News for MHProNews.

 

(Copyright Notice: This and all content on MHProNews and MHLivingNews always have been and are Copyrighted, © 2017 by MHProNews.com a dba of LifeStyle Factory Homes, LLC – All Rights Reserved. No duplication is permitted without specific written permission. Headlines with link-backs are of course ok. A short-quoted clip, with proper attribution and link back to the specific article are also ok – but you must send a notice to iReportMHNewsTips@mhmsm.com of the exact page you’ve placed/posted such a use, once posted.)