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21st Mortgage Suit’s CFPB Denial, Exclusive Document on Berkshire Hathaway Manufactured Housing Brands Investigation

February 14th, 2019 Comments off

21stMortgageSuitsCFPBDenailExclusiveDocumentBerkshireHathawayManfuacturedHousingBrandsInvestigationDailyBUsinessNewsMHProNews

Never underestimate the power of money in Washington, D. C., or in the districts and states that send legislators to Capitol Hill.

 

Legislators or other public officials can be influenced about matters that moneyed interests care about in a variety of ways, as an examination of the power of money over politicos becomes more evident in recent years. So, for that and a variety of other possible reasons, there are no guarantees that investigations opened will lead to a just outcome.

With those disclaimers, a formal communication from the Consumer Financial Protection Bureau (CFPB) to the publisher of MHProNews, discloses a document that is the first known official statement by a Berkshire Hathaway brand on the allegations of market rigging and monopolistic activities.

The CFPB provided a letter from a 21st Mortgage Corp. attorney – noting that lawyers can are also known by the slang terminology of ‘a suit’ – denied all allegations made against 21st.

That staff attorney for 21st Mortgage Corp is Jeff Warkins, JD, who has been asked to provide comments for specific questions related to allegations that can be accessed by the linked text/image below.

 

Bridging Gap$, Affordable Housing Solution Yields Higher Pay, More Wealth, But Corrupt, Rigged Billionaire’s Moat is Barrier

 

 

21st Attorney Denies Allegations, BUT…

The entire letter from Jeff Warkins, JD, to the CFPB is linked here as a download.  MHProNews’ publisher has responded to those denials to the CFPB, which may be the subject of an upcoming report.

 

JeffWarkinsStaffAttorneyLitigatino21stMortgageCorpLinkedInDailyBusinessNewsMHProNEws

Collage from Jeff Warkins’ LinkedIn page, with MHProNews’ third party media fair use notice.

 

That noted, let’s go to the meat of what Warkins’ said on behalf of his firm.

“…Please consider this 21 st Mortgage’s official response.

Tony Kovack is not a consumer of 21 st Mortgage under any plausible definition of the term and thus his use of the Consumer Complaint portal is misplaced. Aside from that, the most appropriate and accurate response is that we flatly reject all of his assertions. Additionally, we are not aware of any HUD or other regulator investigating the “claims” to which Kovack has alluded…”

 

It should be noted that Warkins correctly spelled our publisher’s last name earlier, but then misspelled it for the balance of the letter.  If he couldn’t get something as easy as the spelling consistently correct, what other mistakes might have been made?

But more important, the fact that Warkins says he is unaware of other investigations is odd, as it has been reported last year by the Seattle Times, local media in Knoxville, and of course here on MHProNews.

Here’s what Knoxville’s WBIR said on their video report page, “A federal spokesperson confirmed to 10News Monday that it’s looking into a “fair housing” complaint tied to the Maryville-based home builder.” Rephrased, Warkins’ is either uninformed, missed easily accessed facts, and/or was perhaps hoping to bluff the CFPB?


Notice that hundreds more have viewed this local news video linked above since MHProNews recently posted it.

 

Questions Posed to Jeff Warkins by MHProNews:

— Start of quotes from message to Jeff Warkins, JD @ 21st Mortgage —

 

Jeff Warkins, JD,

We will be doing a report and would value your photo.  Please advise either way. Thanks.

We’d also welcome any other comments from you and/or 21st on the allegations linked below, which are a key element of what the CFPB is asking about.

https://www.manufacturedhomelivingnews.com/bridging-gap-affordable-housing-solution-yields-higher-pay-more-wealth-but-corrupt-rigged-billionaires-moat-is-barrier/

More specifically, while your letter to CFPB correctly asserts that I’m not a customer, what you may or may not be aware of is that the State of NY AG’s office apparently referred the matter to the CFPB.

With that understood,

  1. do you deny that Tim Williams issued such a letter [As is linked here and above]?
  2. Do you deny that Warren Buffett’s annual letter has been accurately quoted?
  3. Do you deny what Kevin Clayton at Clayton Homes said on that video interview with Robert Miles?

 

Kindly clarify, confirm or comment on those points, and then please send your photo too. You are also welcome to comment or forward to an appropriate party on any of the issues noted further below.

Thank you.

Tony

L. A. ‘Tony’ Kovach

MHLivingNews.com | MHProNews.com | Office 863-213-4090 |

— end of quotes from message to Jeff Warkins, JD @ 21st Mortgage —

No reply to the above has been received from 21st as of the time of this post.  Later replies are welcomed from 21st, Clayton Homes, Berkshire Hathaway, and the Manufactured Housing Institute (MHI).

Wheels like sort of complaint may grind slowly, as now House Financial Services Committee chair Maxine Waters (CA-D) and other Democratic complaints which occurred in 2016 exemplify.  So, don’t misconstrue periods of silence on this issue.  Federal and other investigation fuses have been lit.

Other tips on this or other topic are welcome.

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See the related reports, below the byline, business development, email, and other notices.

More related details are found linked below the byline, business development opportunities, email offer, and other notices. That’s this afternoon’s manufactured home “Industry News, Tips, and Views Pros Can Use,” © where “We Provide, You Decide.” © ## (News, analysis, and commentary.)

 

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

 

Related Reports:

You can click on the image/text boxes to learn more about that topic.

MHVille Exclusive – Democrats Senators Sign Anti-Competitive Practices Letter to DoJ, Plus MH Market Updates

News Tip, Document – Is Clayton Homes Engaged in False Down Payments? Deceptive Trade Practices?

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

CFPB and 21st, Second Shoe Drops? Flooring w/21st Mortgage Corp? Insider Tips

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

 

God’s Sense of Humor, Tilting After Windmills, Manufactured Housing – Merchants or Crusaders?

HUD Code Manufactured Home Production Decline Persists – Time For Action Not Excuses

“The Illusion of Motion Versus Real-World Challenges”

MHARR Exposes GSES’ Failure On Chattel Financing Before Congress

“Restoring the Rule of Law To Manufactured Housing Regulation”

 

 

 

 

 

 

 

 

 

Wishful Thinking vs Facts, Evidence, Reason, and Manufactured Housing

January 20th, 2019 Comments off

 

WishfulThinkingVsFactsEvidenceReasonManufacturedHousingDailyBusinessNewsMHProNews

Two nights ago, Special Counsel Robert Mueller’s Office took the unusual step of publishing a denial of a mainstream media report by BuzzFeed News that had the talking heads on TV, radio, and in print astir for 24 hours.

 

Harvard law professor emeritus, Alan Dershowitz – a Democrat and civil libertarian – once more explained Friday night on Sean Hannity’s show why these fake news accounts are grounded in nothing of substance.  It goes back to the need for discernment.  That’s a point which independent, award-winning journalist Sharyl Attkisson has preached and is reported on at the link here.

 

MediaBiasChartSharylAttkissonLeftRightPostedDailyBusinessNewsMHProNews

Full Measure’s Sharyl Attiksson’s media bias chart is useful in sorting out the agendas behind various headlines and news sources.  See a recent report and Ted Talk video, linked here.

 

That Fox video embed code with Democratic-supporter Dershowitz is not yet available.  But another one from attorney Mark Levin – who was anti-Trump for quite some time – also discusses the same issues, references Dershowitz’s comments, and is posted below. This latest episode started by BuzzFeed raise issues that have and will continue to impact the manufactured home industry, all other professions, and society at large.

 

As important as that is, it is not the focus of this commentary that tees up our Sunday Morning weekly headline news report recaps.  Manufactured housing specific reporting is our emphasis again today.

As If…Wishful Thinking and Fake News vs,

Fact, Evidence, and Reason

 

As If?

As if George F. (F?) Allen would be the best tool in the Manufactured Housing Institute (MHI) shed to defend the Arlington, VA based trade group – as well as some of their largest members – was laughable.  But give “F” Allen credit.  At least he tried, and did so publicly.  As weak as “F” Allen’s effort may be, it is provided in full among the reports linked below, so you can decide for yourself how effective it is at defending Clayton, Cavco, MHI, et al from the mounting evidence of scandals.

Both Allen and the BuzzFeed stoked dramas have a few thinks in common. An arguable lack of objectivity, standards, or even common sense. Both rely upon an audience that may wish or hope that what the source says is true. Both cases involve the vast difference between evidence and reason, and everything else a matter of wishful thinking or a denial of reality.

Neither Kevin Clayton, nor Tim Williams, or Warren Buffett have disputed their own words or documents that have recently been reported at this link here. No conspiracy theories, evidence, documents, and direct quotes taken in context.  The sources have been given repeated opportunities to debunk or explain away the evidence.  Silence. That’s their 5th Amendment right.

So, having “F” Allen, MHI, or certain state association surrogates attempt any red herrings or head-fakes just reveals that they have no valid explanation, which implies that the linked evidence above is compelling.

Evidence, concerns, and allegations of market manipulation aren’t just in the past. They are in the here and now, and more are planned and underway for the days ahead. MHI – and some state associations – are part of that purported collusion. They are doing so despite MHI’s own published antitrust guidelines, linked here.

It’s been about a year since Richard ‘Dick’ Jennison, MHI President and CEO, cancelled at the Louisville Show “at the last minute” his presentation on the Trojan Horse of the so-called “new class of homes” and related. Jennison apparently didn’t want to be publicly questioned by MHProNews, or by anyone else in the audience that read MHProNews, and were provided a list of questions to ask during the Q&A.

They can hide, but only for so long. Because the trend lines, truth, and evidence keep drip, drip, dripping out.

You can trust George F. (F?) Allen, or not, when he says there are no conspiracies to find. But who beside aptly named “F” Allen spoke about conspiracy? We re-published evidence from the sources in question. Let people like Allen – who continues to ducks from his own controversial practices that created negative news in the mainstream media for the industry, see the linked report on the Masthead below – use head fakes. If Allen, MHI or their surrogates had a real, logical argument, why don’t they make it? Why don’t they do so in public, at Louisville?

What are they afraid of? What are they hiding from?  Do they fear the reaction of the crowd, if they realize that they’ve been duped by people they count on to represent their interests?

 

The Evolution of these Issues

In fairness to the current power structure behind MHI, this is not a new phenomenon.  Rather, sources suggest it has arguably taken on new twists and turns.

danny-ghorbani1st-president-manufactured-housing-association-regulatory-reform-mharr-credit=journalmfdmodularhousing-posted-dailybusiness-mhpronews-

Danny Ghorbani, photo credit, the Journal.

Danny Ghorbani, a structural and civil engineer, is a former Manufactured Housing Institute (MHI) Vice President and the Founding President and CEO of the Manufactured Housing Association for Regulatory Reform (MHARR).  He is a 51-year veteran of the manufactured housing industry, who has represented all aspects of the industry in Washington, D.C., including, but not limited to, manufacturers, suppliers, retailers, communities and developers, and has managed two national manufactured housing industry trade shows.  He is currently the Senior Advisor to MHARR.

Reached by MHProNews, Mr. Ghorbani stated on the record that:

From my personal experience, at any given time, the largest manufacturers tend to dominate that Association — i.e., the Manufactured Housing Institute. The same principal may well apply at the state association level.”

 

The Most Fireworks?

This upcoming event might be the most controversial Louisville Show in years.

Watch for upcoming reports and developments. Sign up for our industry leading headline news below, to make sure you don’t miss what thousands of others are keeping up with, day by day, only on MHProNews.

 

 

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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.

 

Why is the industry’s already meager recovery stalling? See that too discussed and analyzed in the various linked reports, accessed via the text/image boxes or hot links below. Remember as you scan the headlines, we don’t turn every link into a text/box.  So, check the titles all out.

Literally from the biggest to the mid-sized or ‘mom and pop’ operations flock here to get the news and analysis no one else in MHTrade media has the guts to cover. That’s why friends, foes, and all others are on our site by the thousands, daily.  Meanwhile the manifestly pro-MHI, pro-Berkshire propaganda and related fluff go unread.

 

MHInsiderManufacturedHousingINdustryDailyBusinessNewsMHProNews

George F (F?) Allen is one of the contributors to the MHInsider. Really? The photo above is from the last day of the Tunica Show, and the other racks looked the same.  Competition is healthy, because it allows people to compare. We might expect the MHVillage sponsored MHInsider – after the above and similar embarrassments at the Louisville Show last year – might learn their lesson, and pick up some of their own magazines, or perhaps pay some people to pick them up for them.

 

See why we are #1.  Share what you read here with others, because that is among the ways that this pro-growth platform – which is fighting for honest independents and professionals like you – is growing.

 

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

 

With no further adieu, here are the recent reports, plus the headlines for the week that was, January 13-20th, 2019.

 

New January 2019 Featured Reports and Commentary

New January 2019 Featured Articles, including a report from Sharyl Attkisson, is linked here.

 

 

What’s New on MHLivingNews

mhlivingnews-improvedlivingforle-logo

Ed Speraw, Manufactured Home Owner “Hero”, dies at 81

 

Ed Speraw, Manufactured Home Owner “Hero”, dies at 81

 

 

 

What’s New on the Masthead

TheMastheadCommentaryLATonyKovachMHProNews

 

 

The Latest from Washington, D.C. from MHARR

 

Independent National Manufactured Housing Post-Production Association Takes Major Step

 

 

 

What’s New on the Daily Business News On MHProNews

11DailyBusinessNewsMHProNewsLogos

 

Saturday 1.18.2018

Pink Flamingoes, The Virgin Mary of Guadalupe, and Manufactured Home Community’s Mainstream Media Controversy

 

Friday 1.17.2019

 

Manufactured Home Industry Groups Fighting Hard, Meanwhile, a Man Died

Insider Trades, New Cavco Industries Investigation, Selling – Plus More Manufactured Housing Stock Updates

 

Current & Forecast Investing Habits of Millennials, $30 Trillion Dollar Transfer of Wealth Looms

 

Thursday 1.16.2019

 

 

Global War On Cash? Plus, Manufactured Housing Equities Updates

Sobering Federal Report on Manufactured Housing Lending – Retailers, Communities, Producers, and Finance Companies – Take Note

An “Ideological Echo Chamber” – and Manufactured Housing Progress

 

Wednesday 1.15.2019

 

White House Thanks CNN’s Acosta, Plus Manufactured Housing Market Updates

 

New NAMHCO Association Challenges Manufactured Housing Institute on DTS, Financing, and More

No Kings in America? – John Sherman ‘Speaks’ to Manufactured Housing

 

Tuesday 1.14.2019

 

 

Clayton Homes’ Vanderbilt Mortgage and Finance Customer Experience Video, What It Says, What Does It Mean for Manufactured Housing Pros?

 

The Lighter Side of Manufactured Home Marketing?

Teen “Sex Slave” in “Mobile Home Park” – Kid Lured by Gaming App, per ABC, State Officials

 

Monday 1.13.2019

Warren Buffett’s Berkshire Hathaway, Clayton Homes, 21st Mortgage Corp and their “Strategic Moat,” Plus Manufactured Housing Equities Updates

The Future of Retail, Disney, ‘Trailer Trauma,’ and Manufactured Housing

Why Is Manufactured Housing Struggling During an Affordable Housing Crisis? Former MHI President, VP, Other’s Quotable Insights

State AG Files Suit Against, Manufactured Home Community, Rent to Own, Lease Purchase Option Warning

 

Sunday 1.12.2019

 

Exploring Corporate, Association, Individual, Investor, and Governmental Corruption Involving Manufactured Housing

 

Our publisher recently stated the obvious, which brings clarity. We are not mainstream media.  We do things differently.  We do what we do here, plus business development services for industry professionals and investors, so we stay BUSY.

YouMHProNewsSeemToHaveConceptualIQThatIsMoreImportantThanSpellingAbilityQuote

Many of our sources – and quotes – are from MHI insiders.

Or as the old Arby’s commercial used to say, “different is good.”  We’re not seeking a Pulitzer prize. Our goal is to identify the root causes of the manufactured and modular home industry’s malaise, and foster honest, ethical growth once again.

UltimateManufacturedHousingInstituteLogoQuotes1DailyBusinessNewsMHproNewsMachievelianInstiutte

That difference – the quality of the content – has kept us going, even after years of efforts by the Omaha-Knoxville-Arlington axis to try to sideline or destroy us.  That speaks volumes, doesn’t it?

That’s more than enough from the best stocked serving line in all of MHVille of relevant Industry News, Tips, and Views Pros Can Use,” © where “We Provide, You Decide.” © ## (News, commentary, and analysis.)

(See Related Reports, further below. Text/image boxes often are hot-linked to other reports that can be access by clicking on them. Third-party images and content are provided under fair use guidelines.)

 

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

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

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

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

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

ManufacturedHomeIndustry#1HeadlineNewsMHProNews

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

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

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

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

 

Related References:

The text/image boxes below are linked to other reports, which an be accessed by clicking on them.

New Association Weighs In, Giving Credit Where It’s Due, Opportunitie$, But Winds of Change Challenge Manufactured Housing’s Future

 

Bridging Gap$, Affordable Housing Solution Yields Higher Pay, More Wealth, But Corrupt, Rigged Billionaire’s Moat is Barrier

 

Manufactured Housing Institute Housing Alert, Affordable Housing Crisis, MHI’s #NettlesomeThings Response

Insider Tips – Clayton Multi-Million Dollar Plan Aims at Replacing Sales Staff? Warren Buffett, Bill Gates, Kevin Clayton Meeting

December 19th, 2018 Comments off

 

InsiderTipsClaytonMultiMillionPlanAimsReplacingSalesStaffWarrenBuffettBillGatesKevinClaytonMeetingDailyBusinessNewsMHProNews

Informed sources with and connected to Clayton Homes reveals new angles on an emerging, as well as previously stories.

 

According to sources, in under 2 years, Clayton Homes has and will invest some $55,000,000 in technology tied to the manufactured home buyer’s shopping experience.

Clayton has demonstrated some of their virtual tour technology at the Louisville Manufactured Home Show in the past. So that part of the tale isn’t new.

Customer downloadable apps are likewise not news to those who are close Clayton Homes watchers.

But what will be news for many – including for some on the Knoxville, TN based firm’s team is the notion that Clayton is moving incrementally toward a system that, per sources, aims to minimize the role of retail sales people in the company.

Rephrased, sources claim that sales people are being slowly replaced with technology. Think of it as “the competitive Moat” principle pointed within Clayton, much like it is pointed outward at the balance of the manufactured housing industry.

Think about it. Every home that they sell a new manufactured home without a sales person’s commission involved would go straight to their bottom line,’ according to one insider source.  That’s a huge competitive advantage, and that indeed fits the Berkshire vision of the strategic moat.

One of several such examples is shown in their video below.

 

 

This fits the narrative from a prior Daily Business News on MHProNews report, found in the linked image/text box below, that once Clayton completes their effective domination of manufactured housing, the Knoxville metro based firm will be able to cut back the pay of their general managers.

 

Clayton Homes Owned Sales Centers Reveal Surprising Trend

 

It’s all about deepening and widening the Clayton moat.”  Short term, Clayton is raising pay – for example – for factory workers, even as they are slowly being replaced by increased automation at Clayton Manufacturing facilities.  In time, that trend could reverse when labor demand declines, that’s how the principle of the ‘law of supply and demand’ works.

 

YouGetMoreOfWhatYouEncourageLessofWhatYouDiscourageMartyLavin

The logic of this statement can be applied to a variety of cases.  Lavin’s comment was on another issue, but do you see how it relates here? 

 

Those trends in turn then point outward against other producers and retailers.  That’s part of the process described by sources which explain the methods by which the “Clayton Moat” widens as deepens.  As previously reported, more voices are speaking out against the manufactured housing giant.

 

ClaytonHomesRespondsInvestigateFairHousingComplaintViewerComments

Comments shown are for the video posted above.

 

The mainstream video above includes these publicly posted comments on that YouTube page, shown under the video.

 

 

There are several indications from Clayton online that suggest this is a plausible hypothesis. Among them, per insiders, are video reports by local Knoxville metro media, where Clayton Homes is based.

 

 

As the local media reports reflect, no details of the meeting of Buffett, Gates, and Kevin Clayton were released.

While Kevin Clayton publicly says they have a ‘culture of transparency,’ their failure to answer basic questions about issues like their “Trojan Horse” style “new class of homes” scheme for manufactured homes, and how that has arguably weaponized the Duty to Serve against manufactured housing instead suggests otherwise.  The Clayton/Berkshire brands dominated Manufactured Housing Institute (MHI) likewise has repeatedly ducked questions about these important issues for consumers, current manufactured home owners, and thousands of independent industry professionals alike.

 

MHARR Exposes GSES’ Failure On Chattel Financing Before Congress

 

That said, if a Clayton executive wishes to explain or clarify any of these allegations from within their firm or from other sources, as usual, MHProNews is open to updating a report, based upon new evidence.

Clayton has, per sources, talked about benefits that are accruing to their firm due to Berkshire’s synergies with tech firms, including IBM and Microsoft.

At this point in time, the “Clayton Moat” should be understood as Kevin and Warren Buffett have framed themselves framed the issue. ICYMI, or need a refresher, click on the image/text box below for a report with documents, videos, and ‘follow-the-money’ evidence.

 

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

 

 

Their goal is to deepen and widen their moat, period. Or as a Clayton team member messaged in defense of Clayton’s business practices, ‘What’s wrong with crushing the competition?

A basic web search did not find any online corroboration for this $55,000,000 figure investment claim. That suggests that MHProNews has another industry first, news item. For confidential and/or ‘on the record’ news tips on Clayton, MHI, and other industry relevant topics, use the link here or to the left of the author’s photo, further below.

Independents, take note. While there are strategies available to counter such trends, the logic of their goal is just as that Clayton trained team member said, to crush competitors.

After the Smoking Gun/21st Mortgage revelations, this would be no surprise.

The ultimate defense is multilayered, including breaking ties with their puppet Monopolistic Housing Institute (MHI), errr, Manufactured Housing Institute, supporting antitrust action against Berkshire, and working to end other monopolistic developments in America.

MHARR has long advocated for the post-production sector to establish a new association that is not under the thumb of Clayton and the Berkshire Hathaway connected lenders and other firms that operate in manufactured housing.

 

MHARR Releases Study Recommending Independent Collective Representation for Post-Production Sector

 

The issue of #OpenMarkets is a pressing one for the industry, and the nation at large.  With both Democrats and voices within the Trump Administration voicing an interest at taking on antitrust issues, there are reasons to believe that the next year or two could provide more visible movement on an issue that sources have told MHProNews are already underway in Washington, D.C.

To be forewarned and act according is to be better prepared. More tips from Clayton team and other industry members can be provided via the link to the bottom left, below. That’s “Industry News, Tips, and Views Pros Can Use,”  © where “We Provide, You Decide.”  © ## (News , analysis, and commentary.)

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

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

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

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

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

ManufacturedHomeIndustry#1HeadlineNewsMHProNews

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

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

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

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

 

Related Reports:

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

“Lots of Sizzle,” Clayton Sales Performance, Other MHI & Clayton Homes News Tips

 

Manufactured Housing Institute Housing Alert, Affordable Housing Crisis, MHI’s #NettlesomeThings Response

 

 

 

 

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

December 17th, 2018 Comments off

 

MHIAlliesRespondProvideConfirmation#NettlesomeThingsFactsClaytonBerkshireExposesDailyBusinessNewsMHpronews

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

 

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

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

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

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

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

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

 

 

To understand what follows, some added insights are merited.

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

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

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

 

 

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

 

 

 

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

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

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

 

The Justice System in America, and MHVille

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

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

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

 

JailsVsPrisonsManufacturedHousingIndustryDailyBusinessNewsMHproNews

 

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

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

 

DefineProSeOrProPerAppearanceinCourtDailyBusinessNewsMHproNews

 

The Great Manufactured Housing Debate – Guilty…

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

They are arguably guilty! Guilty!

Guilty of what?

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

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

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

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

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

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

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

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

 

Recommendations, Endorsements, Letters, Videos and Messages 

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

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

That said…

 

Over a Thousand Professionals Gave via LinkedIn Recommendations or Endorsements 

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

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

  • Tim Williams – President and CEO of 21st Mortgage Corp, and then MHI Chairman:
TimWilliams21stMortgagePublicationDailyBusinessNewsMHProNewsMHLivingNews

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

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

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

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

 

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

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

AnnParmanVPManufacturedHousingInstituteMHILogoLATonyKovachMobileManufacturedHomeLivingNewsMHProNews800

EngagingTheMediaSeminarDuringMHICongressandExpoLATonyKovachDailyBusinessNewsMHproNews

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

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

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

KevinClaytonClaytonHomesStrongTheHillBlogPostManufacturedHousingIndustryDailyBusinessNewsMHProNews

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

 

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

 

ClaytonHomesContentManagerPermissiontoUseMHLivingNewsContentManufacturedHousingIndustryDailyBusinessNewsMHPronnews

 

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

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

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

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

 

 

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

 

DuckDodgeDismissDistractDetractDefameFromIssueTacticsByThoseWithNoGoodAnswersMHProNews-768x609

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

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

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

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

 

2018-09-26_0939BBBSSKCommunitiesLogoNathanSmithPhotoManufacturedHomeLivingNewsThirdPartyLogo

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

 

ManufacturedHousingInstituteMHIBoardofDirectors1242018DailyBusinessNewsMHProNews

 

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

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

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

 

NovoFoundationWarrenBuffettTidesFoundationFundsMHActionManufacturedHousingIndustryDailyBusinessNewsMHProNews

 

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

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

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

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

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

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

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

 

EnvelopeMailedApril2017imageCreditMHProNews-

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

 

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

 

2018-12-16_1547TimWilliamsKevinClaytonRichardDickJennisonLeslGoochNathanSmithLATonyKovach#NettlesomeThingsEnvelopesDialyBusinessNewsMHproNews

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

 

The Offer to Claytons, Berkshire Brands, & MHI

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

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

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

 

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

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

HowardWalkerPhotoELSViceChairmanManufacturedHomeCOmmunitiesManufacturedHousingInstituteExecCommitteeMemberQuoteTransparencyMHProNews

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

 

Over the Target

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

 

ManufacturedHousingSHipmentsBloombergQuintFactoryBuiltRebuidRecoveryDailyBusinessNEwsMHproNEws

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

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

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

SubmitNewsTipsManufacturedHomeProNewsMHProNewsLogoDailyBusinessNews

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

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

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

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

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

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

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

 

 

“What Are We, Chopped Liver?” MHI Member December 2018 Reactions

December 11th, 2018 Comments off

 ClaytonHomes21stVanderbiltManufacuturedHousingInstituteFannieMaeLogoChoppedLiver

 

It should be a given that the upper management of Clayton Homes, and their Arlington, VA based Manufactured Housing Institute (MHI) are in favor of their stated agendas.

 

 

ManufacturedHousingInstituteMHINewClassofHomesDailyBusinessNewsMHProNews

Still from MHI Video, logos added by MHProNews.

 

No sooner than MHI released their self-promotion video, than the industry’s new home shipments data – those nettlesome facts below – indicated that for all of MHI’s claims of millions of readers, their own emailed statement yesterday reflects the opposite results of what they’ve claimed.

Here are the claims, and the evidence, according to MHI.

 ManufacturedHousingInstitutelogoMHILogoMHIVideoStillsMillionsofViewsDailyBusinessNewsMHProNews

 

Here below is a screen capture of MHI/National Community Council (NCC) Vice President Jenny Hodge’s email on the latest data, per MHI.

 ManufacturedHousingInstituteMHILogoOctober2018HUDCodeHomeShipmentsDeclineDailyBusinessNewsMHProNews

What MHI’s own data and claims logically prove is that for all their bluster, new HUD Code manufactured shipments measured by the seasonally adjusted shipment rate (SAAR) – as of the above – are flat for 2018.  Even if the manufactured home industry finishes strong in the final quarter, what actual good has MHI’s promotions done so far?  

But there’s more sobering words from MHI members.

 

“What are We, Chopped Liver?”

An MHI member producer, in a long phone call to MHProNews, argued that the so-called MHI led “new class of homes” makes no sense, because it would have been easier to have simply built state-coded modular homes.

Another MHI producer said that “KEVIN CLAYTON” supported this “new class of homes” plan – which in that professional’s view – harms the interests of the majority of current manufactured housing plants. 

That source said, What are we [meaning the balance and majority of HUD Code manufactured housing production], chopped liver? 

 

The Genesis…

Here’s how a MHI-only member producer explained it in a message to the Daily Business News on MHProNews.

Three years ago I took a group from Fannie Mae through a plant to tour to show what we were building… they were blow away… made you feel they don’t get out much to see what we are building… Surely, good would come from this to obtain better financing on our homes for all [of the manufactured home] industry,” said the message to MHProNews’ tip line.

Fast forward to the roll out of the new class of homes financing…This a slap in the face,” said that production veteran, adding “…what are we chopped liver! Our HUD code is not good enough?

Why [a] 5:12 pitched roof? Many, many factories today will not build that when they have back logs of 3 to 6 months.” He added a laundry list of specs between standard HUD Code production, and the specs that Fannie Mae and Freddie Mac want to see in this Clayton/MHI led “new class of homes,” including, “100% drywall… Why? You cannot see that from the street… let the consumer chose that.”

A number of professionals said that this plan was not only developed by Clayton, it obviously could benefit their new conventional housing subdivisions, which that from has been purchasing in recent years.

Warren Buffett has said that they expect to buy more site building opportunities.

Fannie Mae, Clayton, and MHI – to name but three key organizational players – are attempting to move the industry in a direction that arguably contradicts Kevin Clayton’s own statement from a few years ago.  Some may recall Clayton saying that the industry should not to forget those “that brought you to the dance.”

 

WarrenBuffettKevinClaytonClaytonTinyHouseBerkshireAnnualMeetingDailyBUsinessNewsMHProNews

 

But that new class plan is arguably just what the new GSE connected lending does. It ignores the majority of the industry’s products and consumers in favor of a minority. 

Furthermore, the industry’s HUD Code producers have long been able to build entry-level or residential style products. MHLivingNews articles and videos have made that consumer choice option apparent.

As more than one HUD Code builder proves, you can have residential style homes that are less expensive than these new class of homes will be, and they are proven to attract conventional new home buyers. 

manufacturedhomecollage-entrylevelcapecodmultisectionalsinglesectional-creditmanufacturedhomelivingnewsmhlivingnews

There are markets for each of these styles of homes, and consumers ought to have the ability to chose that home based upon their budget, circumstances, and desires. Builders should be allowed to build whatever the want to as well. That said, what this new class of homes does is bend the system in an artificial way, based upon financing that the GSEs were required to provided under HERA 2008 mandated Duty to Serve to Manufactured Housing. Its an apparent manipulation of the system, and sources say that even if this plan is successful, it will harm many for the benefit of a few. But what if this plan is no more successful than Clayton’s iHouse or iHouse 2.0?  Then, not only time and expense are lost, but the reputation of the industry is harmed too.

For example, award-winning retailer Stan Dye said that half of his sales are to people that previously owned a conventional house.  Isn’t that good enough for Clayton, the GSEs, and MHI?

 

 

Logically, given that

      FHFA,

      the National Association of Realtors,

      HUD’s PD&R

      plus other research shows that the millions of current manufactured homes can and do appreciate,

      where is the logic for creating these new and unproven standards?

 

Consider the Track Record… 

Consider the track record Clayton Homes has in such “innovative” product roll-outs. Our sources at Clayton remind readers that the Clayton’s iHouse and the iHouse 2.0 – which were both rolled out with great fanfare, and got significant media attention – both flopped.

Oops.

 

ihouse Clayton Green-Bridge-Farm-i-House-Chevy-Volt-568x378

Ever wonder whatever happened to the Clayton’s iHouse? Not much, so it was quietly dropped, per sources at Clayton. Will this new class of homes be next?  More to the point, will this Clayton-MHI “new class of homes’ harm the value of the current HUD Code manufactured homes in the process?  Photo Green Bridge Farm, the Clayton iHouse is shown with a Chevy Volt, which is also being cancelled by GM. Oops.

 

Thus far, the GSEs are leaving the vast majority of producers and all other HUD Code manufactured homes essentially out. The indications are that this plan purportedly came from Clayton and is obviously being promoted MHI. Why didn’t they back chattel and other lending for millions of proven HUD code standards homes instead? 

Isn’t backing all HUD Code manufactured homes what the Duty to Serve Manufactured Housing part of the law clearly implied? Where in the Housing and Economic Recovery Act (HERA) of 2008 – which gave us the Duty to Serve (DTS) did it say that the GSEs should compel manufactured housing to create entirely different homes before they get lending?

It’s an outrage, which is why that MHI builder said it is “a slap in face.”

 

 

It Gets Worse

This plan, which MHProNews said last year could be a Trojan Horse, is sadly developing in just that fashion. Because sources say that this plan arguably undermines the acceptance – and thus the value – of millions of existing HUD Code homes.

Who says? A parter and association member in a community operation. He’s not alone.

Beyond complaints about the new class and related GSE lending, one source said that when you factor in the additional costs of building to this new class or homes standards that Clayton-MHI are leading, the consumers who buy them are not going to save money, or get lower payments, even with the GSEs lower interest rate.

Recall that in San Antonio last year, in a room with a few dozen MHI members, Tim Williams of 21st said that the Berkshire Hathaway lender’s wants to make sure that the GSEs don’t take only their top tier credit “traunch.”

Well, it seems that this plan currently avoids taking any loans away from 21st or Vanderbilt. So Tim Williams, former MHI Chairman and still 21st President and CEO, will get his wish.

Put differently, this plan if it fails or succeeds, purportedly harms the bulk of would be and existing consumers. It does so to the benefit one major conglomerate that also does site building. The plan is finding quiet resistance on several fronts from MHI’s own members. 

 InfographicMobileManufacturedHomeManufacturedHousingIndustryFactsDataResearchMobileManufacturedHomeLivingNews

 

But the voices are muted because of the Smoking Gun track record.   You can learn more about that by clicking the linked box, below, for that report.

 

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

 

These are some of the explosive comments signaled last week, in the prior report that is linked from the box below.

 

Explosive Comments on Duty to Serve Manufactured Housing Lending from Well Placed Sources

 

Clever Moat Building?

This new class of homes is arguably clever as a tool to eliminate over time more of Berkshire’s competition. By causing some industry firms to invest in a product, it will tend to get those producers ‘dug in’ to continue the plan. They may be following a lead whose Clayton iHouse and iHouse 2.0 both failed. 

But in the meantime, how many thousands of consumers who wanted to refinance 21st Mortgage Corp or Vanderbilt Mortgage and Finance loans – Berkshire Hathaway brands – at a lower interest rate will be left out in the cold? Millions of their HUD Code homes don’t qualify for a program that Congress mandated?  How is that possible, or even sufficient to meet the legal mandates?

Rephrased, this is de facto a head shot against the interests of:

     millions of existing manufactured home homeowners,

     aims at any plants and companies that don’t participate in the plan,

     bending Fannie Mae and Freddie Mac to the will of Berkshire Hathaway, and it was accomplished in closed door meetings that the GSEs, and MHI won’t release the minutes to.

The standards arguably fail in the essence of the Duty to Serve, namely, to provide more lower cost financing for millions of renters.

The American Dream, Arguably Among the Most Profitable, But Least Understood Stories in the USA Today

 

Let the Consumer Choose

The Daily Business News on MHProNews last Saturday said that #HousingChoice should be part of the mantra of the industry’s independents. 

#HousingChoice

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

 

Consumers need to be educated to accept what millions have already benefited from. What’s good for consumers is also a strong market for investors, lenders, sellers, communities, suppliers, and others.

Mark Weiss, JD, President and CEO of the Manufactured Housing Association for Regulatory Reform (MHARR) said months ago that the Duty to Serve was a mandate.

 MHARRMarkWeissIfCongressHadMeanttheDutytoServeToBeOptionItWouldNotHaveCalledItADutyDefintionofDutyIsMandatoryResponsibilityDailyBusinessNewsMHProNews

 

Weiss also argued that this roll out of the GSE program was set to benefit only a few companies.

 

ManufacturedHousingAssocRegulatoryReformMHARRMarkWeissDTSFHFA-GSEsGoingtoLargestBusinessesCorpAffiliatesDailyBusinessNewsMHProNews

Collage by MHProNews.

 

It’s not MHI’s VP Jenny Hodge’s fault if new manufactured home shipments are declining. MHI’s president is said to “turn red” when embarrassed or upset. So, how “red” does Richard ‘Dick’ Jennison glow today, after he’s done reading this analysis? 

How red with anger will resident groups become once they figure out that Berkshire Hathaway and MHI – which they arguably dominate – plus the GSEs have ignored them in favor of more expensive housing?

How mad will community owners be if they map out the trend lines, and realize that this plan shafts them too?

Clayton, MHI, and the GSEs won’t formally respond to such concerns. But MHProNews has had tips from ‘inside’ this program, on the GSEs side of the fence.

 

ManufacturedHousingProNewsMHProNewsConfidentialTipsDocumentsNews

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

 

As one of those sources experienced in financing told MHProNews, the way this program was developed was “completely backwards.” Instead of listening to the industry, and finding ways to meet the needs, the GSEs dictated standards that were set only for this new class of homes. 

The evidence and the comments from an array of sources suggest that this is no accident. It was an arranged plan. It was rigged from the GSE side, and from the producers side. This plan was unveiled in Las Vegas, we are told that many walked out of the presentation in disgust or protest.

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

 

It’s as that MHI producer said, a slap in the face of the industry. And MHI now wants members to open up their checkbooks and renew their association membership for a plan their biggest member logically engineered, aimed at harming their own interests.

 

 

SoTheAssociationMHIIsNotThereFortheIndustryUnlesstheinterestsoftheBigBoysJointheIndustry'sMartyLavinMHIAwardWinnerQuoteMHProNews

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

 

It was on a different topic that Marty Lavin said it, but doesn’t it apply here?  As an MHI Producer said, “This program clearly was not “duty to serve.

Based upon the evidence and the track record, MHProNews advises the industry’s members to explore their options with MHARR, MHIdea and NMHCO. More on this in the links below and the days ahead.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 browsers.

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Related Reports: Click the Boxes Below to Read More...

“It’s a Terrible Idea,” Comments from Manufactured Home Community Owners, Senior Management, and Investors

Whistleblower! Ex-Clayton Homes Team Member on TV Denounces Manufactured Housing Giant’s Practices

 

“Pants on Fire” – Latest New Manufactured Housing Shipment Report

#$2Trillion U.S. GDP Growth via Affordable Housing Plan Few Discuss – Introducing #YimbyVictory2020

 

Nathan & Mary Lee Chance Smith, Leaders in ‘Anti-Trump Resistance,’ Manufactured Housing Impact?

 

 

 

 

 

 

”Your Time is Up, White People” SA Politician Declares, Stirring Up Unrest Impacts MHVille, USA

December 10th, 2018 Comments off

 

YourTimeIsUpWhitePeopleStirringUpUnrestImpactsMHVilleUSA

It’s your own personal rights, property, and wealth that are in the crosshairs. If what is described from news accounts that follow hasn’t yet happened to you, odds are that someone at a meeting you or they attended know about just such an incident on some personal level.

 

 

Meaning, this is an underdiscussed trend already at work in the manufactured housing industry – a.k.a. MHVille.

Today’s report will start out with actual incidents from a distance – across the waters, and further south. That sets the stage for global tendencies. Then, we will walk backward toward the U.S.A. and specific ways that this is troubling trend is already at work in manufactured housing, and/or in a city or town not too far from you. Because what is a maturing problem overseas, is arguably already underway here in the U.S.A. too.

 

“Your Time is Up” – Whites About to Lose Big

SOUTH Africa (SA) has set a date – March 2019 – when a much-criticized land grab called “expropriations” can begin after a politician named Cyril Ramaphosa declared: “Your time is up, white people,” said the UK Daily Star.

In France, riots are spreading. They began with protests over ever-higher gas taxes – so-called “carbon taxes” tied to global warming – the science of which is surprisingly still in dispute. ICYMI or need a refresher later on, see the 5-minute expert video and related report on that issue, and how it impacts MHVille, by clicking on the linked box below.

 

Climate Change, Energy, Riots, and Manufactured Housing in Green Era

 

In oil-rich Venezuela, after a decade of socialism, the infrastructure is decaying.  That oil rich nation is now importing oil. The state grabbed – “nationalized” – their oil industry after socialists came to power about 10 years ago. Americans investors are among those who arguably lost out. But among the real losers are the Venezuelans, who after a decade of socialist control that they voted for, are now so hungry, they’ve reportedly lost an average of 19 pounds. Once one of the most prosperous nations in Latin America, Venezuela‘s economy is now a basket case. The graphic below is part of a larger report found by clicking on the linked box that follows it.

 

VenezuelaEconomicCrisisFoxInflation1MillionPercentPricesDouble26days2.3MillionFledDailyBusinessNEwsMHPronews

To avoid having this happen in America, “We, the People” must understand that socialism, communism, and other faux promises of ‘free stuff’ are all based upon lies. The Chinese said centuries ago, teach a man to fish, and you feed him for a lifetime, but give a man a fish, and you only feed him for a day. Working age People must Produce, that’s life. In order to encourage production, the fruits of a person’s labors must be respected.  The proper goal of government isn’t to redistribute income, rather, it is to protect personal rights, peace, and to protect private property.  Otherwise, government becomes an enemy of the people it is ideally supposed to defend.  Trade groups like MHARR and NFIB arguably understand those lessons.

 

How to Avoid Losing Billions, Huge Loses Reported by WSJ, Other Media

 

In my nation of origin, Iran, the American-backed Shah of Iran was toppled decades ago by promises to the Persian people their that ‘electricity would be free,’ and that the nation’s oil money would be ‘shared with all of the people.’ The empty promises of ‘free stuff‘ and ‘free moneynever happened. ICYMI, you can read more at the link below.

 

“You Made Me, Promises, Promises…” Historic Iranian, American Lessons in Freedom

 

Instead, the Persian people have arguably grown poorer and are now less free.

The current Iranian regime might have toppled during the 2009 ‘green’ movement against the mullahs in 2009, had then President Barack Obama deftly intervened. Mr. Obama and then Secretary of State Hillary Clinton did not do so.  Instead, years later he cut a controversial deal that released about $100 billion to Iran, per the New York Times.  Meaning, to the very government that has kept the Iranians poorer.

What some Iranian expatriates in the U.S. have understandably called ‘fascists’ that rule Iran, are using those billions in funds released by the U.S. and others in a guerrilla war against neighboring nations, which includes the killing of Americans service members.

 

NYTimesRelease$100BillionDollarsToIranDailyBusinessNewsMHproNews

 

What was former President Obama thinking when he gave to the leaders of a nation that lies to its people, and gets large, radicalized crowds to chant “death to America” or “death to Israel” as has been seen in globally seen televised marches?

And here is how it comes closer to MHVille.  Ponder how prominent people involved in MHVille – such as Warren Buffett or Manufactured Housing Institute (MHI) PAC Chair Nathan Smith – are all-in with political leaders like the former 44th president, Secretary Clinton, and typically Democratic candidates that here in America are at times also promising something allegedly ‘free’ at no cost to voters.

 

Nathan & Mary Lee Chance Smith, Leaders in ‘Anti-Trump Resistance,’ Manufactured Housing Impact?

 

The money trail from billionaires Warren Buffett and George Soros has been previously documented, as it links to groups like the problematic MHAction and better known AntiFa.  Recall, that MHProNews is for free enterprise and limited government, but sees as problematic manipulations of the American system in unjust, thumbs-on-the-scale, or crony-capitalist ways. ICYMI, you can click the linked box below for details, because we follow the facts, money, and evidence.

 

Prosperity Now, Protests, Indivisible Project, Warren Buffett, George Soros, POTUS Donald Trump, MHAction and Manufactured Housing – Following the Money

 

MHI inexplicably elevated in their purported ‘newsletter’ a policy initiative by Senator Elizabeth Warren (MA-D) that is arguably harmful to the interests of most of manufactured housing professionals. Furthermore, Senator Warren embraced those radical groups, the same ones that disrupted MHI’s own speaking event of HUD Secretary Ben Carson, MD.  What is MHI thinking?  What are Warren Buffett, his Berkshire Hathaway lieutenants that operate in manufactured housing, and leaders like Nathan Smith of SSK Communities thinking?

 

Expose! Why Has Warren Buffett/BH Funded Anti-MHC Activists, MHAction? Why Fund Attacks on ELS, Frank Rolfe, Blackstone Group?

 

Let’s give them their due.  Buffett, the Claytons, and Nathan Smith are intelligent.  So whatever they have in mind – since they continue to support the same leftist groups and policies – is there any doubt that their support to radical groups and radical politicos is intentional?

Award-winning manufactured housing legend Dick Moore, who helped launch the MHIdea independent retailer initiative, has said for the record that he was audited by the Internal Revenue Service (IRS) for political, not tax reasons, during the Obama administration.  Moore alleges that they did so as an attack of his written statements about limited government and free enterprise, among other topics he’s written about.

 

Here in America…AntiFa and MHAction

In the U.S., one of the better known radical groups is called AntiFa. In Manufactured Housing, it’s MHAction that has surpassed – for better or worse – the attention once given to the more mild-by-comparison national resident group, NMHOA.

 

Manufactured Home Resident Group President Cautions Against MHAction, Surprising Background Reveal to Manufactured Housing Action

 

One MHVille pro called MHProNews HQ recently to say that he’s been personally accosted by an MHAction member multiple times.

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That activist MHAction member, per said MH Community owner, poked at the businessman with a walking stick – a cane – reportedly in the presence of several others.  The community owner in question feels caught, because he doesn’t want to say or do something that might cause the narrative to turn against himself.  The community owners doesn’t want him or his community to end up getting sued. So he says he is relatively passive during such incidents.

As noted, MHAction has disrupted the speech of HUD Secretary Ben Carson, MD. MHAction have protested – Blackstone, Equity LifeStyle Properties, and RV Horizons by name and/or in person – among others.

 

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That radical group are holding organizing events. One MHAction event made the news in Illinois, pre-midterm election. Some pooh-pooh these as ‘not drawing very many attendees.’ Well, that may be true, but that misses the point. Such radical movements that toppled once-free Cuba started with only small groups too.  That same is true for each of the nations noted herein.  These radical movements begin small, gather steam, and then historically become quite potent.  One quality that they have is that they don’t stop until they win.

 

SouthFloridaCubaNorthSouthKoreaSatelliteNightSocialismFreeMarketsManufacutredHousingIndustryDailyBusinessNewsMHProNews

Satellite photos of Cuba vs South Florida, on the left, North Korea vs. South Korea on the right. The freer a society, the more productive the people, and the more prosperous the people. Radical socialist movements, by contrast, lead to impoverishing their people.

 

This issue may be racial in South Africa and in some areas too.  But as a woman of Middle Eastern origins, let’s note that can perhaps better be understood not so much in racial terms, but as “have nots” being stirred into action against those who have. But one must ask, who are those who are stirring the pot? And how does this pattern of activity get stopped?

The short answers are that at times, powerful forces are acting behind the scenes of such radical movements.  And as to how they are stopped, one potent answer is education and historic lessons.

First, those who are drawn into these movements are often already unhappy.  The manufactured home community owner noted above said that he sincerely believes that man who has poked at him with the walking stick is mentally unstable. Perhaps so, but either way, he’s been attracted into a group that is making false promises.  Time and again, around the world, those who make promises like those of MHAction have made fail to deliver.

In Russia just over a century ago, the Tsars (or Czars) were toppled from power by Bolsheviks who were socialists that became known as communists. The nation grew poorer as a result.  There are historical references to Western nations – including some with ties to Wall Street – supporting the Russian revolutionaries. Think about that for a few moments — successful Americans and westerner capitalists helping destabilize Russia by supporting socialists, who later turned against the West as cold war communists. Troubling, but true.

WallStreetBokshievikRevolutionLeninTrotskyDailyBusinessNewsMHProNews

There are numerous examples of this, from a variety of sources.

AntiFa-ISIS-AlQaeda-JihadwatchMilleniumReport-DailyBusinessNewsMHProNews-600

Learn more about that prior report by clicking this link here.

In the USA, as the Daily Business News on MHProNews has previously reported, there are more people on the political left calling for “Universal Income” – free money – “free health care” and “free education.”

 

LeadershipAndLearningAreIndispensiabletoEachOtherJohnFKennedyBQManufacturedHousingIndustryDailyBusinessnewsMHProNews

TaxReformKennedyJohnsonReagan1Reagan2economistManufacturedHousingIndustryDailyBusinessNewsMHproNews

HeritageKennedyReaganTaxCutsWorkedDailyBusinessNewsMHProNews

 

The Democratic party today is arguably not the same as the party of Democratic President John F. Kennedy.  President Kennedy signed taxes cuts into law, and revenues to the federal government rose.  Former Democrat, turned Republican, President Ronald Reagan (GOP), led tax cuts and revenues to the federal government rose too, as the graphics above demonstrate.

 

IndividualFederalIncomeTaxesSetRecordThroughAugust2018CNSNewsDailyBusinessNewsMHproNews

The Trump Tax Cuts has spurred more tax revenue overall. These are facts. The lower rates spur more investment.

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22TrillionSpentWarOnPovertyHeritagePostedDaillyBusinessNewsMHProNews

The estimated $22 Trillion dollars spent on the War on Poverty, which turned 50 a while back, exceeds the total national debt of some 21 trillion dollars. The poverty rate was coming down in the U.S. through free enterprise. The perhaps well intentioned, but still misguided, impact of poverty programs has not proven to move the needle of poverty, as the graphic above demonstrates. Or as MHProNews publisher L. A. “Tony” Kovach said in a Masthead over a year ago, ‘whatever you subsidize, you tend to get more of it.’

Currently under former Democrat turned Republican, the 45th President of the United States (POTUS), Donald J. Trump, tax cuts passed last year have already sparked precisely the same trend as occurred during the Democratic President Kennedy and Republican President Reagan. So why is that trend under-reported by much of the mainstream media?

Part of the solution for our industry and our nation is to cut regulations, taxes, and to cut the size and scope of the federal government.  To minimize disruption, that process takes time.

 

PresidentTrumpCutsFederalWorkforceJobsDailyBusinessNewsMHpronews

 

But that process of taking billions of dollars away from deep-pocket groups that buy votes to get what they want from the federal government is underway. It’s President Trump and those aligned with him – not MHI – that got the roll backs of S2155.  Some key powers behind MHI – such as Warren Buffett and Nathan Smith – are openly for more big government, while MHI claims to be working for reduced regulations?  Once the facts are laid out, aren’t some of MHI’s claims blatantly misleading?

 

PresidentDonaldJTrumpSignsS2155ManufacturedHousingIndustryDailyBusinessNewsMHProNews

 

That process of subsidized housing and the like has demonstrably cost manufactured housing billions of dollars a year, and has cost our nation trillions of dollars over the years. It also creates an avoidable underclass, which tend to vote Democratic, because they are the ones promising more ‘free stuff.’

 

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.

ColumbiaPointHousingProjectBostonMA-AHI-postedDailyBusinessNewsMHProNews

The Columbia Point Housing Project had near the end of its first life cycle only some 300 housing units that were habitable. That’s the same number Donald Tye, Jr. used in his example to describe the better way for people, and government. Quality, affordable single family manufactured homes.

The manufactured home industry must realize that however imperfect any politician is – and they are all human, and thus all imperfect – the most pro-manufactured housing industry politico since 2000 is demonstrably POTUS Donald J. Trump.    The video on the report found on the page linked below shows the president, the first lady, Vice President Mike Pence, and other officials in Florida, touring a manufactured home community.  President Trump is mingling with residents, and talking about ‘the good people‘ living in that manufactured home community.

 

“I knew right from the beginning.” When President Trump, First Lady Melania, VP Pence Toured Manufactured Home Community

 

Where was there any similar trip by President Obama to a manufactured home community?

Instead, the Obama administration imposed heavy new regulatory burdens on the manufactured housing side of the affordable housing industry.  Apparently, those burdens are what Warren Buffett, the Claytons, their affiliated lenders, Nathan Smith and others involved at MHI want, because that is what campaign donations indicate they have often politically supported.

Protests of manufactured housing industry firms or leaders like HUD Secretary Carson – like the ones shown in the video below – are de facto being funded by big Democratic donors, like billionaires Warren Buffett and George Soros.

 

 

Do you see why a growing number of people within MHI are questioning their own organization? Why more are at MHI are seeing that trade body as a Berkshire Hathaway-led front group, instead of a lobbying group that is working on behalf of the majority of manufactured housing independents?

 

“It’s a Terrible Idea,” Comments from Manufactured Home Community Owners, Senior Management, and Investors

 

With that backdrop, now flashback to the video interview at Tunica with former president Danny Ghorbani, and current President and CEO Mark Weiss, JD, with the Manufactured Housing Association for Regulatory Reform (MHARR).  Do you see why MHARR’s staff leaders think that the Trump Administration is better for the industry than the prior one was?

 

 

Housing and the Policies of Much of the Left’s Leaders

Keep in mind that these leftist groups are making claims and promises about housing too.  As a community owner told MHProNews, the biggest competition for our industry for decades has been subsidized housing.  Those who promise that are running counter to the interests of the vast majority of manufactured housing professionals.  In as much as it traps people in poverty, it is bad for Americans too.  See what the manufactured housing advocate, the Rev. Donald Tye, Jr. said in his in-depth video interview, linked here.

 

Facts & Analysis – Senator Elizabeth Warren re: Manufactured Housing Institute Memo to MHI Members, 10-3-2018

 

As or more important, those promises from the left run counter to the interests of tens of millions of Americans who want to own, but are stuck in rentals instead.  See that report, by clicking the box linked below.

 

The American Dream, Arguably Among the Most Profitable, But Least Understood Stories in the USA Today

 

These are not matters of mere opinion, to be shrugged off lightly.  The facts, evidence, and money trail are being revealed, step-by-step.

Then look at who is rising on the left in the Democratic Party in America…

 

AlexandriaOcasioCortezDemocraticSocialistWikipediaDailyBusinessNewsMHproNews

Once the issues are better understood, the vast majority of the nation could come together on a range of issues that span racial, political, religious, or other group labels. As some in the GOP have noted, President Trump isn’t a classic Republican. He’s spans the left-right divide in several ways with pragmatic policies that are arguably based upon the American ideals of life, liberty, and property.

 

Openly “Democratic Socialist” candidates are coming into office, like the already well-known Alexandria Ocasio-Cortez (NY-D), or her longtime forerunner, Bernie Sander (VT-I, but caucuses with the Democrats).

 

BernieSandersWikipediaManufacturedHousingIndustryDailyBusinessNewsMHproNews

 

BrancoBerniesandersDrinkThisFreeSocialismHillaryClintonDrinkThisImAWomanSocialismAndCorruptionManufacturedHousingIndustryDailyBusinessNewsMHProNEws

Former DNC Chair Donna Brazile said that the primary was rigged against Senator Sanders. There is evidence to suggest that the powers of the federal government were being used to tilt the election in favor of Secretary Clinton and against then candidate, Donald J. Trump.

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You can see a Nathan Smith, SSK Communities related report, by clicking this link here.

 

We in MHVille can, should, and must learn from what is happening in France, South Africa, and Venezuela.

Propaganda is demonstrably being fed to the masses, and millions are ‘buying into it.’ In MHVille, MHI has arguably weaponized their information to their members. While it would be inaccurate to say that all news is fake, or that all MHI news is propaganda.  But there is more than enough of it that is weaponized or demonstrably inaccurate, so that our industry’s professionals – and the nation – are increasingly looking askance at MHI or mainstream news.

NothingIsChangedUntilItisChallenged-768x318

MHProNews’ parent operation demonstrated to MHI over the course of years options for lending, and ways to improve the industry’s image. For years, even though our parent operation was an MHI member – and showed the way to grow business – MHI leaders ignored those options. Why? Could it be that slow growth allowed more consolidation of businesses, and at a cheaper price? 

For those who may have missed it, please see the related report, linked the in the linked box further below, on News as Business. 

These reports on “News through the lens of manufactured homes, and factory-built housing,” © have been quietly praised by company leaders who say that it is vital to have such articles to help educate those team members at their companies that are being propagandized. “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 browsers.

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

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

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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.

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

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

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

Related Reports: Click the Boxes Below to Read More...

Understanding the News as Business, and Manufactured Housing

 

Danny Glover, Presidents Barack Obama & Donald Trump, Promises Kept, and Affordable Manufactured Housing

 

Explosive Comments on Duty to Serve Manufactured Housing Lending from Well Placed Sources

 

 

 

 

 

 

An Area of Agreement Between Warren Buffett and MHProNews

December 4th, 2018 Comments off

AreaofAgreementBetweenWarrenBuffettDailyBusinessNewsMHProNews

Warren Buffett doesn’t likely lose any sleep thinking about what the Daily Business News on MHProNews publishes. He reportedly leaves sleep loss and heart burn mostly to his company CEOs.

 

  • With baseball season over,
  • the end of college football’s season in sight,
  • and with the pros season not far behind,

we thought we’d close out this evening with a fun video that makes a simple but common sense point for investors to consider.  It’s actually a favorite analogy of Buffett, per his own paper’s website, Omaha.

Let’s tee it up like this.

Don’t watch the market closely,” Buffett said in 2016 amid wild market fluctuations, per CNBC. “If they’re trying to buy and sell stocks, and worry when they go down a little bit … and think they should maybe sell them when they go up, they’re not going to have very good results.”

 

On another wild day on Wall Street, what are Buffett’s tips?

  • Wait for the right pitch.
  • Invest in something that makes good sense.
  • Don’t get goaded into a bad pitch (a bad deal.)

Those points of agreement noted, don’t push us too much further, because that will lead us to the kind of reports like the ones linked further below.  We wanted to demonstrate that there is always common ground to be found for people of good will and integrity.

We also agree that manufactured housing is a great industry, that can fit the Buffett formula, but it ought to be allowed to flourish anew. “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 browsers.

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

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

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

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

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

Related Reports: Click the Boxes Below to Read More…

FAANG Stocks Drop $140 Billion, Plus Manufactured Housing Industry Markets

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

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

 

 

 

 

 

 

 

Nathan & Mary Lee Chance Smith, Leaders in ‘Anti-Trump Resistance,’ Manufactured Housing Impact?

December 3rd, 2018 Comments off

 

Nathan+MaryLeeChanceSmithSmithLeadersInAntiTrumpResistanceManufacturedHousingImpactDailyBusinessNewsMHproNewsCNNFacbook

Nathan Smith, caption says in part, “KY Democratic Committeeman Nathan Smith at important CNN DNC debate live tonight.” What have Nathan Smith, Warren Buffett, Kevin Clayton and other ‘connected’ industry professionals actually done for manufactured housing?

If it walks like a duck, and talks like a duck, chances are, it’s a duck.

 

It’s useful, because of the insights revealed.

What’s useful?  The costly Manufactured Housing Institute (MHI) self-defense, self-promotion video is arguably a fine razzle dazzle production. Their video obviously reflects the issues MHI’s leadership and backers are sensitive about.

What MHI’s video attempts is to deflect or distract from topics that:

  • MHARR – the Manufactured Housing Association for Regulatory Reform,
  • the newly-forming national manufactured home community owners association, NMHCO,
  • MHIdea – independent dealers opposing the monopolistic practices of Berkshire Hathaway and Berkshire dominated MHI,
  • and MHProNews among others – including MHI members – have raised for years.

 

The Nathan Smith Connection

Among the Arlington, VA based national trade group’s leaders is former MHI Chairman, Nathan Smith.

SSK Communities partner Nathan Smith and his wife Mary are self-proclaimed leaders of the anti-Trump resistance movement. They do fundraisers for candidates, and personally donate to campaigns. While personal giving matters, fundraising magnifies their widely noted political impact in KY and beyond.

Former Secretary of State, Hillary Clinton, has been to the Smiths home for fundraising.

Here’s what Cincinnati, part of the USA Today news group, had to say.

Northern Kentucky mover-and-shaker Nathan Smith is known for hosting big-name, high-dollar Democratic fundraisers at his Fort Mitchell home. But as part of the Trump resistance, he and his wife, Mary Lee Chance Smith, are doing more now. The Smiths have created “Project Run,” a day-long free training program for Kentucky Democrats interested in running for elected office at any level. Project Run will hold its first training program from 10 a.m. to 4 p.m. on Sept. 23 at Madison Avenue Christian Church, 1530 Madison Avenue, Covington.”

 

HillaryClintonCampaignFundraiserNathanSmithMaryLeeChanceSmithSSKCommunitiesPartnerFormerMHIChairmanMHProNews

 

Among those candidates that Nathan and his wife Mary Lee Chance Smith reportedly supported?

 

NathanMaryLeeChanceSmithSSKCommunitiesFormerMHIChairmanDemocraticCommitteeMemberHillaryClintonDailyBusinessNewsMHProNews

NathanMaryLeeChanceSmithSSKCommunitiesFormerMHIChairmanDemocraticCommitteeMemberHillaryClintonStreetViewGoogleMHProNews

 

Amy McGrath.

 

NathanSmithMaryLeeChanceSmithAmyMcGrathSSKCommunitiesFormerMHIChairmanManufacturedHousingDailyBusinessNewsMHProNews

McGrath was running against Congressman Andy Barr (KY-R).  What’s surprising to innocent eyes is that Representative Barr led-the-charge for MHI in their now quietly shelved Preserving Access to Manufactured Housing Act.

Barr is a Congressman spotlighted in MHI’s video, saying pro-Manufactured Housing things in Congress.

 

AndyBarrKyRMHIVideoScreenShotManufacturedHousingIndustryDailyBusinessNewsMHproNews

Screen capture – still – from new MHI self-defense, self-promotion video.

 

Barr won, despite the back-stab by his purported MHI ‘supporters.’ By contrast, President Donald J. Trump personally campaigned with Barr, prior to the 2018 midterms.

 

Was Manufactured Housing Advocate Congressman Andy Barr Backstabbed?

 

Another prominent politician in the MHI video?

 

NathanSmithFundRaiserSenatorJoeDonnellyD-INChuckSchumerManufacturedHousingSSKCommunitiesMHProNews

JoeDonnellyIN-D-MHIScreenCaptureManufacrturedHousingIndustryDailyBusinessNewsMHproNews

Screen capture from MHI self-defense, self-promotion video.

 

Now defeated Joe Donnelly, Democratic Senator from Indiana. Besides getting support from MHI, former President Barack Hussein Obama campaigned for Donnelly. By contrast, President Trump campaigned for businessman Mike Braun, in a successful effort to unseat Donnelly.

In under 500 words and a few photos are an emerging picture. MHI insiders are using what’s arguably been called the rope-a-dope against the independent members of their own industry.

WarrenBuffettBillClintonHillaryClintonBarackObamaKevinClaytonNathanSmithPhotosDailyBusinessNewsMHproNews600

 

With that backdrop, the Nathan Smith video interview clip reveals their monopolistic aim, as he admits MHI failed all too often.

 

 

Of course MHI has ‘failed.’ MHI leaders supported those opposing Preserving Access, which they claimed was needed.

 

FrankRolfeMHIChairmanNathanSmithSSKCommunitiesHypocrisyQuote-MHProNews

Scandalous? See the related reports, further below for more details. “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 browsers.

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

Related Reports:

Crisis of Misinformation, Fact Checks, and Manufactured Housing

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

Clayton’s Miss, Kevin and Tim’s Manufactured Housing Kill Shot, More

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

Center for Public Integrity – Stunning Clayton Homes-Warren Buffett-Berkshire Hathaway Manufactured Home Lending Truth Outs

What Just Happened, to Cavco, Independent Communities, Retailers, and Manufactured Housing?

“I knew right from the beginning.” When President Trump, First Lady Melania, VP Pence Toured Manufactured Home Community

 

Clayton’s Miss, Kevin and Tim’s Manufactured Housing Kill Shot, More

December 2nd, 2018 Comments off

 

ClaytonsMissKevinClaytonTimWilliamsManufacturedHousingKillShotMoreDailyBusinessNewsMHProNews

Before we get into the purported Clayton/21st/MHI “kill shots” in our headline and feature image, a few words – a preface – are in order.

 

Preface:

We consider ourselves to be among those independent industry professionals who are positive-goals and solution-oriented people by nature.

Those who know us know us well believe we are social, gregarious, forthright, and hard working. That doesn’t mean we are perfect, but when we have a glitch, we strive to make it right, period.

We smile and laugh at comments like the one below. It is from non-MHARR source(s).  In these 2 quotes below, the “You” below should be understood in both instances as a reference to our online trade publications.

You are prolific and you keep the headlines sexy,” and “You seem to have a conceptual IQ that is more important than spelling ability.”

We’re human, we make mistakes, but once discovered or pointed out, we strive to accurately correct them.  Tim Williams at 21st/and then MHI Chairman has said as much.

 

There Was No Way to Know…

When we launched MHProNews over 9 years ago, we did not imagine nor seek the role of being the ‘communiqué cop’ to spotlight – and thus help stop – what Berkshire Hathaway has arguably been doing for years to our once far-greater industry.

Over 4 years into our project, an MHI staff leader – no doubt with their power brokers okay – had arguably set a trap. Initially, we candidly stepped into it, because we naively did not understand what in hindsight is now more clear. Once we began to discover what was going on, a non-disclosure agreement that they – MHI’s president and general counsel – insisted upon kept our mouths unfairly sealed.

But we stuck by that unjust aspect of their NDA agreement.  We did our home work.  We kept learning more and more about what we hadn’t clearly seen or understood prior to those incidents.

Meanwhile, the powers-that-be kept executing their apparent plan to conquer manufactured housing, in part by using MHI as a tool.

 

ManufacturedHousingSHipmentsBloombergQuintFactoryBuiltRebuidRecoveryDailyBusinessNEwsMHproNEws

  • So, MHI asked to purchase our LLC’s MHProNews – their idea – they had us sign an NDA.  They then purportedly proceed to use over time what they learned about us during their ‘due diligence’ – against us, only they did so largely behind-the-scenes, per numerous sources.
  • Keep in mind that our publisher was at that time they pulled this apparent ploy an MHI board member.  L. A. ‘Tony’ Kovach was elected by his peers. Recall too that MHI elected and staff leadership had praised Tony and our team’s work for years, in front of several audiences, and often in writing.

Part of their plan was debatably to silence our independent news voice, which they apparently attempted to do by killing off our LLC’s MHProNews business.  We can look another time at parallel efforts they arguably used against MHARR or others.

So, we were absolutely not alone. As another non-MHARR source said last week, ‘some of us wake up and think about how to sell another home. Meanwhile, others wake up and think about how to put someone else out of business.’ That’s from a voice with years of Clayton Homes ties.

AtlanticIbisWorldManufacturedHousingRetailersDealersDailyBusinessNewsMHProNews

 

In that purported effort to kill our MHProNews business off, MHI and the ‘powers that be’ behind them have clearly failed.

But had they succeeded, in that fashion, we could have been no different than the thousands of locations that have been put out of business by their apparent scheme’s efforts to consolidate manufactured housing into ever fewer – and carefully selected – hands.

So not unlike:

  • closed or acquired-at-a-discount MH retailers,
  • MH Communities that were sold for too little money,
  • MH Producers that were closed or acquired for too little money,
  • And on down the list of businesses and organizations – that during an ever growing affordable housing crisis – witnessed for several years the constant and otherwise inexplicable contraction of manufactured housing.

Rephrased, we could easily have become a victim of their consolidation efforts. In our case, they wanted to shutter an independent voice that they had long praised.

Please keep all of those details in mind, because as the bullets suggest – that applies to hundreds if not thousands of other business professionals in our industry.

 

DollarBillUncleSamPointingClaytonHomesLogo21stMortgageLogoManufacturedHousingInstituteLogoMHProNews

We are not idiots, but we were taken in by smiles, kind words, and sometimes big promises too. Aren’t those the historic pattern of every con? “You can fool all the people some of the time and some of the people all the time, but you cannot fool all the people all the time.” – Abraham Lincoln.

 

We’ve documented previously – using their own words, which they have never tried to publicly refute – how the “Moat” by Berkshire Hathaway owned brands operated in manufactured housing. One of the more recent reports is found linked just below.  Bear in mind we’ve repeatedly offered them the opportunity – they being the Berkshire brands in MHVille, plus MHI – the opportunity to refute or clarify any of their own words and actions.  To date, nada.  The offer to Clayton, 21st, MHI, Warren Buffett, et al do so in person, via video, or in writing stands.

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

 

 

The Feds and Others Are On Their ‘Case…’

You don’t have to take our word for it, because prior mainstream reports – some of which are found from the report link above – have documented and stated that Berkshire Hathaway brands in manufactured housing – Clayton, Vanderbilt, 21st – are among those being investigated in MHVille by the Feds or others. Or you can just “Google it.” Or see the screen capture from today, below, for some examples.

 

ClaytonHomes21stMortgageFederalInvestigationsManufacturedHousingIndustryDailyBuisnessNewsMHpronews687

 

Federal investigators have been on this matter for some time. Clayton, et al, denies it all.

The Feds have candidly said these issues won’t be fixed overnight, because it is big. They told us what these dark forces are doing in our industry is not unlike what is happening in other industries. That pattern doesn’t make the Berkshire brands or those like them in other industries correct. It just sets the stage for our – and now your – fuller understanding of what’s happened that has kept manufactured housing at historically low levels for over a decade.

The report linked further below on monopolies from the New York Times will be useful to you and others in what we lovingly call MHVille.

There are professionals who are or have been in MHI, in Clayton or 21st, etc. that understand quite well what’s really been going on, while MHI and Clayton posture something different. There are those who have had long ties with the Clayton organization that know those smiling faces, but who tell us they too have suffered “the double cross.”

That’s about all we will say for now, but we have the evidence to demonstrate the above, some of which is linked from reports on this page, or cross liked from those reports.  Of course, at some point in time, such claims and concerns against Clayton, 21st, and MHI will likely have to be adjudicated. Until then, they are deemed innocent in the eyes of the law until proven guilty, or until they enter into a plea or other agreement.

That’s said to express this notion. We have been, and continue to be, pro-industry professionals. But we have come to realize the full depth of what some voices have said for years.  Some of those voices have at least for now, have gone silent or are more muted. Why they are silent, you’d have to ask them.

As noted, we remain goal and solution oriented. For our industry to grow to its potential, there are challenges from within that must be addressed.

 

From now until at least the Louisville Show, we will be making certain preparations. Hopefully before the time the Tunica Show comes around, we will unveil a plan that we will begin to outline tomorrow, which for now we will dub “Victory 2020.”

With that backdrop, we will once more note that someone or group with apparent ties to MHI has apparently been involved with having an investigator hired. The target? Our publisher. They have purportedly tried to dig up any ‘dirt’ – private, personal matters from over 20 years ago – that they think they could find and use to embarrass him, or silence him. We have been told from solid sources that a similar tactic has been tried with others in our industry.

Rephrased, this could be you too.  Tony took the matter up with the powers that be, as the email below reflects.

 

KevinClaytonTomHodgesDickJennisonLesliGoochRickRobinsonMHIClaytonHomesDailyBusinessNewsMHPronews

 

Federal officials have been notified. They were provided with a string of ‘anonymous letters’ that were sent to our home have since we published the email shown above that was sent to:

  • Kevin Clayton,
  • Clayton attorney and MHI Executive Committee Member, Tom Hodges,
  • Tim Williams,
  • the Dick Jennison,
  • Lesli Gooch,
  • and others as shown.

It should be noted that not long after the message shown above was first published, the anonymous letters to Tony have since stopped. A coincidence?

Our preface is nearly done, and we will pivot in a moment to the headlines from the week that was. We’ve said the above to underscore how important to you some of what follows below can be. We’ll also note again what that message to Clayton et al said, if something happens to us, federal authorities who were already investigating Berkshire Hathaway brands in manufactured housing, MHI, and certain federal officials will know where to look.

There are still Patriots in America who believe in equal justice under the law. But that justice can take time.

 

WarrenBuffettBillClintonHillaryClintonBarackObamaKevinClaytonNathanSmithPhotosDailyBusinessNewsMHproNews600

 

What has happened to others or to us could happen to you or someone you care about. Our publisher has nothing to hide from, which is why the intimidation tactics sent by “whomever” didn’t work.

Tony likes to quote at times the maxim, that “You don’t catch flak unless you are over the target.”  MHProNews perhaps can be understood as being over the target then in our reports, fact checks, and analysis.

 

Victory 2020

But merely exposing what has happened to our industry isn’t enough. There has to be a counterweight to MHI. Let’s be clear. There is nothing, NOTHING that they claim that they do ‘for the industry’ that can’t be done better by others.

 

SoTheAssociationMHIIsNotThereFortheIndustryUnlesstheinterestsoftheBigBoysJointheIndustry'sMartyLavinMHIAwardWinnerQuoteMHProNews

MHProNews looks at the facts, considers the sources, and follows the evidence. MHI earlier last year, and for years before, MHI, Clayton and 21st routinely replied promptly to all inquiries. But since we’ve spotlighted the problems and concerns, they’ve gone silent. Why? If the facts are on their side, why not make offer a cogent explanation?

 

Some other options that are alternatives to MHI are already developing, as we have reported, and of course MHARR has existed for years for independent producers.

Starting tomorrow, we will launch a new series which will begin the lead up to “Victory 2020.”  It took about 15 years for Berkshire Hathaway to conquer half of the production in manufactured housing.

 

ClaytonHomesOakwoodHomesBerkshireHathawayMarketShareofManufacturedHousingEndof2003DailyBuisnessNewsMHanufacturedHousingIndustryProNews

 

Clayton and their purportedly bought-and-paid for allies took years to get to where they are.

 

ClaytonHomesSkylineChampionCavcoIndustriesBalanceofIndustryManufacturedHousingIndustryConsolidationGraphicPieChartMHProNews

Graphic by MHProNews, using information provided by each corporation, or named entities.

 

But this is still America. We and others of like mind will be committed to taking the years needed to ethically combat what they have built through their ‘Strategic Moat.’ To learn more about that, see the more complete report, with quotes from Warren Buffett, Kevin Clayton and Tim Williams, among others, in the linked report above: “The Feds and Others Are On Their ‘Case…'” 

Another handy report is the one linked below.

 

Center for Public Integrity – Stunning Clayton Homes-Warren Buffett-Berkshire Hathaway Manufactured Home Lending Truth Outs

 

Now, onto the reports and intros for the week that was.

 

Sunday Recap of the Week That Was

Financing, Warren Buffett has said, is where most of the money is being made by their firm in Manufactured Housing.  In fact, Clayton Homes is shown in their annual report listed under a financing category.

So it only makes sense from his point of view that Buffett – the-Moat-Builder – will have his MH lieutenants make sure that the GSEs don’t do anything useful for the majority of manufactured home communities and independents.

GoodBusinessIsLikeAStrongCastleWithaDeepMoatAroundItSharksIntheMoatIwantItUntouchableWarrenBuffettQuoteDailyBusinessNewsMHProNews

 

That’s what Saturday’s report, linked below reveals. It’s another purported kill shot aimed at the remainder of the industry’s independents.

But that’s not the only new story this week on MHProNews. Not by a long shot, pardon the pun.

Next, a competitor of #4 Legacy Housing called and said that one of that firm’s smart moves is that they have created their own retail and wholesale lending.

Lending or financing is necessary for most any big-ticket business. Sam Zell famously observed that failing in creating a lending base has hurt the industry.

 

 

MHI’s former president had a similar but different take on that topic, found in a previous report linked here.

But a different surprise for manufactured housing professionals, investors, and industry observers is another stunning Clayton revelation. See that among the reports, linked below.

  • #HousingChoice should be part of every savvy industry professionals’ mantra.
  • Brad Pitt has proven with modular homes that even a good deed can be punished.
  • What’s Google Impact on Manufactured Housing and Free Speech? See that, below.
  • A massive judgement has hit a manufactured home community owner, that report is found among our headline news recap too.
  • Two articles review information from the New York Times, one is a review of “Mobile Homes,” the other is their take on Monopolies and their harmful impact on others.
  • There are whistleblowers at Google, as well as in manufactured housing. See Project Dragonfly, linked below.

Note, among the questions we get from those considering whistleblowing on Clayton, MHI or others revolves around the question of legality. You can and should do your own research, but a quick glance at federal and state laws may lead you to realize that whistleblowers are routinely protected by state and federal laws.

 

WhistlblowerProtectionManufacturedHOusingIndustryDailyBusinessNewsMHproNews615

 

And as trade news media, we can publish even copyrighted material, within certain guidelines that we observe. Recall that the Pentagon Papers, federally classified secret information, was legally published by the New York Times and the Washington Post.

 

PentagonPapersNYTimesWashingtonPostFreePressRighttoPublishDailyBusinessNewsMHProNews

 

More details have emerged about Amazon’s foray into factory-home building, that and several other topics are among the headlines from the week that was, all found further below.

ConfidentialNewsTipsOKTipsIreportMHNews@MHMSM-comGraphic

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

 

Note that the Masthead and MHLivingNews below look like similar topics, but they are quite different.

One final word, we don’t generally highlight with the teaser box and featured image in this weekly recap the link to the evening market report. But some of our readers swear by those daily recaps. Check a few out, and you too may end up hooked. Those evening market recaps save time for busy people who still want to keep up with more industry news, but can do so in a matter of only a few minutes.

With no further adieu, and with no exaggeration, welcome to the hottest site in the world for Manufactured Housing “Industry New, Tips, and Views Pros Can Use.”  ©

MHInsiderManufacturedHousingINdustryDailyBusinessNewsMHProNews

They arguably borrowed from the name used in our video series, “Inside MH,” but the “MH Insider” – an unofficial house organ for MHI and their Clayton/21st/VMF backers – has obviously gone unread at the last two trade events where they can’t even give them away. By contrast, our readership on MHProNews has soared in the last year. Does it seems that people want news, facts, research, and analysis, instead of big boy spin, pablum, and propaganda?

 

What’s New on MHLivingNews

Festivals of Light – Hanukkah and Advent in Manufactured Home Land – a.k.a – MHVille

 

What’s New on the Masthead

TheMastheadCommentaryLATonyKovachMHProNews

Hanukkah, Advent, Festivals of Light, and Celebrating Manufactured Housing Integrity

 

What’s New on the Daily Business News on MHProNews

 

Saturday 12.1.2018


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

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

 

Friday 12.1.2018

 

White House Economic News, Christmas, & Oval Office Views, Plus MH Market Updates

White House Economic News, Christmas, & Oval Office Views, Plus MH Market Updates

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

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

Does Google Harm Manufactured Housing? Other Forms of Free Speech?

Does Google Harm Manufactured Housing? Other Forms of Free Speech?

How do CEO’s Use Their Time? Work, Life Balance Part II

How do CEO’s Use Their Time? Work, Life Balance Part II

 

Thursday 11.30.2018

Huge Lo$$ “Squalor” Reported, MH Community Owners Hit with 8 Figure Judgment, Video and Report

Huge Lo$$ “Squalor” Reported, MH Community Owners Hit with 8 Figure Judgment, Video and Report

“You’re a Nazi!” Oddly, Socialists & Nazis at War, Plus Manufactured Housing Market Updates

 

Crisis of Misinformation, Fact Checks, and Manufactured Housing

Crisis of Misinformation, Fact Checks, and Manufactured Housing

Consumer Confidence High Heading into Holidays, Per Conference Board, Retail Sales Surge

Consumer Confidence High Heading into Holidays, Per Conference Board, Retail Sales Surge

 

Wednesday 11.29.2018

Fed Chair Powell’s Full 24 Minute Economic Speech, Stocks Roar, Plus MH Market Updates

Clayton Homes Owned Sales Centers Reveal Surprising Trend

Clayton Homes Owned Sales Centers Reveal Surprising Trend

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

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

Climate Change, Energy, Riots, and Manufactured Housing in Green Era

Climate Change, Energy, Riots, and Manufactured Housing in Green Era

 

Tuesday 11.28.2018

Google Employees Go Public, Protest Controversial “Project Dragonfly”

Google Employees Go Public, Protest Controversial “Project Dragonfly”

Bull Run, Part II Ahead? Says Raymond James Executive, Plus MH Market Updates

 

Annual Home Gains Slow, per S&P CoreLogic Case-Shiller – Manufactured Housing‘s Missing Mantra

Annual Home Gains Slow, per S&P CoreLogic Case-Shiller – Manufactured Housing‘s Missing Mantra

New York Times Review of “Mobile Homes”

New York Times Review of “Mobile Homes”

 

Monday 11.27.2018

Details Emerging on Amazon’s Plans for Plant PreFab Modular Home Investment

Details Emerging on Amazon’s Plans for Plant PreFab Modular Home Investment

POTUS “Not Happy,” Barra, Kudlow Huddle, Stocks Rise, Plus MH Market Updates

 

Jury Awards Millions to Residents in Suit Against Controversial Community Operator

Jury Awards Millions to Residents in Suit Against Controversial Community Operator

Ford and Toyota Teach Manufactured Housing Professionals and Investors

Ford and Toyota Teach Manufactured Housing Professionals and Investors

 

Sunday 11.26.2018

 

What Just Happened, to Cavco, Independent Communities, Retailers, and Manufactured Housing?

What Just Happened, to Cavco, Independent Communities, Retailers, and Manufactured Housing?

 

Together with thousands of honest MHVille pros of good will, we can make our industry achieve its great potential. That’s done by making American lives better, together. “We Provide, You Decide.” © ## (Sunday Morning, weekly headline news review, analysis, and commentary.)

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

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

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

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ManufacturedHomeIndustry#1HeadlineNewsMHProNews

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

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

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

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

 

 

Related Reports:

The Coming Breakup of Berkshire? MHI? Plus Sunday Headline Recap 10-14-2018 to 10-21-2018

Annual Home Gains Slow, per S&P CoreLogic Case-Shiller – Manufactured Housing‘s Missing Mantra

November 27th, 2018 Comments off

AnnualHomeGainsSlowPerS&PCoreLogicCaseSchillerIndexSept2018ManufacturedHousingMissingMantraDailyBusinessNewsMHProNews

Reminder.  A “mantra” is a refrain, a chant, a repetition of some important point.  The reminder of the need for a mantra is ever-timely for manufactured housing professionals who understand the value of grasping reality globally, but then Acting Robustly Locally.

 

In a new release to the Daily Business News on MHProNews, “S&P Dow Jones Indices today released the latest results for the S&P CoreLogic Case-Shiller Indices, the leading measure of U.S. home prices. Data released today for September 2018 shows that the rate of home price increases across the U.S. slowed for the second month in a row. More than 27 years of history for these data series is available,” they said.

 

YEAR-OVER-YEAR

The S&P CoreLogic Case-Shiller U.S. National Home Price NSA Index, covering all nine U.S. census divisions, reported a 5.5% annual gain in September, down from 5.7% in the previous month. The 10- City Composite annual increase came in at 4.8%, down from 5.2% in the previous month. The 20-City Composite posted a 5.1% year-over-year gain, down from 5.5% in the previous month,” per their release.

SPCoreLogicCaseSchillerUSNationHomePriceNSAIndexDailyBusinessNewsMHProNews

 

Las Vegas, San Francisco and Seattle reported the highest year-over-year gains among the [top tracked] 20 cities. In September, Las Vegas led the way with a 13.5% year-over-year price increase, followed by San Francisco with a 9.9% increase and Seattle with an 8.4% increase. Four of the 20 cities reported greater price increases in the year ending September 2018 versus the year ending August 2018,” according to their statement to MHProNews.

MHProNews has for some years provided a mix of factory-built housing, as well as broader housing data.  There is no other trade media in our industry’s history that provides a broader or deeper mix of such data for the industry’s professionals.

 

CaseyMackLegacyHousingManufacturedTinyHomesKudosMHProNews

 

Per our readers, it is part of why industry readers flock by the thousands daily, which given our industry’s avoidably modest size, arguably reflects the deepest penetration of readers in all of manufactured housing.

 

HowardWalkerEmergenceOfTonyKovachsPublicationsProfessionalsFilledVacuumDailyBusinessNewsMHProNews

 

As 2018 winds to its close – and MHVille industry owners, leaders, and professionals are planning for 2019 – the mantra for realistic-yet-big thinkers should be this.  Housing data tells us that manufactured housing could be selling hundreds of thousands of new homes annually. Instead, under the claimed leadership of Arlington, Knoxville and Omaha – manufactured homes will close out 2018 with about 100,000 (+/-) shipments.

 

DearTonySoheylaNoGreaterResourceSpeakstoIssuesOpportunitiesWeFaceAsIndependentRetailersGusRodriguezTejasHomesTX

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

ManufacturedHousingVsTotalCompletedHomesLegacyHousingS1FilingIPODailyBusinessNewsMHProNews

Legacy clearly believes in the future of the business, because they are raising capital to expand their retail base.

 

How do the self-proclaimed leaders in MHVille, the Wizards of All Things MH, explain the difference between the industry’s potential, vs. its actual performance?

AvgPriceDifferenceConventionalHousingVsManufacturedHomesLegacyHousingLEGH-S1IPOFilingDailyBusinessNEwsMHProNews

To learn more, see the related reports, linked below.

YouHavetoThinkAnywaySoWhyNotThinkBigDonaldJTrumpBQManufacturedHOusingINdustryDailyBusinessNewsMHProNews573

The industry can achieve 500,000 to 1,000,000 + new HUD Code manufactured homes sustainably, given the current new housing demands. That’s a 5x to 10x increase. That should be the achievable goal of every independent industry professional.

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

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

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

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

 

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