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Posts Tagged ‘Ross Kinzler’

Crossing the Finish Line in DC is up to YOU!

December 7th, 2015 No comments

In the next 10 days, the industry has a chance to turn around its fortunes regarding financing.  Step 1 is to pass S 682, the Preserving Access to Manufactured Housing Act.  It’s companion bill, HR 650 has already passed the House on a bi-partisan vote.  In the Senate, there is no chance for our bill to pass as a standalone bill because it will be vetoed.  If however, it is attached to an appropriations bill that must pass, the President will have no choice but to sign it. 

Let me say that again, if S 682 is passed as part of an appropriations bill, the President will sign it.

We need industry members to press for S 682 to be attached as a so-called policy rider.  This is a normal process for getting legislation passed at the end of a session.

Please Call or Fax Your Senators.

Here is the message: 

1. We need S 682, the Preserving Access to Manufactured Housing Act, added as a policy rider to the Banking Appropriations Bill.

2. The bill HR 650 passed the House on a bi-partisan basis.

3. The bill addresses the overreach of the CFPB in applying Dodd-Frank to manufactured housing in a way it doesn’t apply it to real estate agents. ##

RossKinzlerWisconsinHousingAllianceExecutiveDirector-IndustryVoicesblogManufacturedHousingProfessionalnews-MHProNews-comRoss Kinzler
Executive Director
Wisconsin Housing Alliance

(Editor’s Note: MHProNews supports this bill and our publisher has personally contacted his Senators and Congressional Representative, as Ross Kinzler suggests. Joe Kelly’s OpEd on this same topic, is linked here.

For those who want more information, see Lesli Gooch’s column this month, linked here. Ross and Joe are correct, just take 5 now, and let’s get this done.)

EZ! Virtually Charging “The Hill” for more Manufactured Home Lending

July 24th, 2015 No comments

The Hill is a newspaper and blog read extensively on Capitol Hill.  This week L.A. ‘Tony’ Kovach was invited to post an article about manufactured housing.  He laid down a great defense of the industry and its lending practices in response to all of the consumer group complaints.

We invite you to read the blog and post your own reply.  The more industry members add to this article the better.

http://thehill.com/blogs/congress-blog/economy-budget/248665-regulations-for-manufactured-home-loans

##

 

RossKinzlerWisconsinHousingAllianceExecutiveDirector-IndustryVoicesblogManufacturedHousingProfessionalnews-MHProNews-comRoss Kinzler
Executive Director
Wisconsin Housing Alliance

 

(Editor’s Note – Ross is a leader who first takes his own advice.  Mr. Kinzler has posted a fine comment on the topic, and others in MH have followed suit.  Be it a short or longer comment, make your voice heard on this issue, please.  If you want more MH lending, if you want to help those MH owners harmed by the CFPB’s regulations, sound off where the DC media, Congress, staff and policy advocates read.

Then, forward the link above via email to your Senators and Congressman, with a thank you for their support)

 

About “The Lost Decade,” Revisiting and Advancing

June 19th, 2014 No comments

I think it’s good to set goals and to sometimes make them higher than we think are obtainable. My main question in response to Ross Kinzler's OpEd,

http://www.mhpronews.com/blogs/industryvoices/the-lost-decade-isnt-over-until-we-say-it-is/

…is to say that it may be take longer to get back to 200,000+ shipment levels, even with a good marketing support plan. Steady 5 to 10% annually for the next few years is doable. After that, it could be accelerated. That said, it would be wonderful if Ross is correct on how quickly we could recover.

From an advertising standpoint, Ross is absolutely correct. The dollars invested should be an unavoidable business expense such as floorplan, lot lease, utilities.

The basic rules of marketing is that 5% of gross sales should be reinvested in advertising your product. This is a minimum number and a proven business management principal.

Our industry's history dictates that if you’re not profitable you don’t advertise. That’s like saying that we won't pay the utility bill this month if we are not profitable.

Where would monster.com, google.com or godaddy.com be today without their Super Bowl Advertisements. Would we recognize any of the three names otherwise? But now they are all house hold words, because they marketed themselves.

That not to say we need to do Super Bowl ads but we do need to follow time proven business principals and always invest a percentage of our gross revenues in advertising.

jay-hamiltonC. Jay Hamilton
Executive Director
Georgia Manufactured Housing Association
199 East Main Street
Forsyth, Georgia 31029
Phone : (478) 994-0006
Cell : (478) 394-5114

The Lost Decade Isn’t Over Until We Say it Is

June 19th, 2014 No comments

A decade ago, a shipment slump hit the manufactured housing industry. It actually started earlier in 2000, but by 2004 it was undisputed that shipments had dipped all across the country. The hope was that this decline was no different from those that happened before. Surely, sales would pick up and the good life would return. Now ten years hence, those hopes have been dashed. A new normal has set in. But has it? Recently, I asked industry professionals from all across the country if they were satisfied with an annual shipment level of 60,000 units?

60,000 units is the high point over the past three years. This uptick has again convinced some that the good times are about to roll again. But really? The April shipment numbers show that for the year, 19 states have increasing shipment numbers, four states have no change and 25 states are still declining!

So, in total, a handful of states have sufficient shipment increases to mask the decline in a broader range of states.

Taking the long view, the industry since the dawn of the HUD code produced one million HUD code homes in just its first three years. Over the following years, the next million mark took 4 or 5 years but recently it took a full 12 years to go from 7 million homes to 8 million. At the industry’s current pace, it will take 17 years to reach 9 million total homes.

Production of homes of course is but one industry metric. The number of HUD code plants has declined from 550 to 123.

A move back to the average performance of the industry over the 2000’s (which would mean doubling today’s production levels) could be a starting point for an industry goal. How do we get there? First, we need to recognize that many of today’s challenges existed back then too. Finance obliviously is an even more severe hurdle for customers and the industry. But fundamentally, the industry must strengthen each of its building blocks.

average-shipment-per-decade-manufactured-home-posted-on-mhpronews-com

Customer demand leads to new sales which leads to new orders which leads to filled community sites.

How do we fuel customer demand?

Interestingly, my thought is that we begin with the desired outcome and work backward.

An honest assessment of unfilled sites would say that many are not very attractive. Empty sites often are next to undesirable homes or unkempt spaces. Not places where a customer would want to put their shiny new home. We can do better.

The lack of independent retailers is also a factor. Few points of sale means less industry advertising. Essentially in many markets, the industry has gone dark on TV and other media. Given today’s technology we can reach customers in inexpensive ways. We can do better.

Ozzie and Harriet would love our homes. Too bad, they only represent a very small share of today’s households. The recent MHI design award winners point the way to new ways to think about what customers want. Notice I didn’t say “need” because customer buy based on wants. Only the housing desperate buy based on need.

How do we get to a new brighter future? It all depends on whether you’re satisfied with 60,000 annual shipments. If you are, do nothing. If not, we have work to do. ##

ross-kinzler-wisconsin-housing-alliance-executive-director-posted-industry-voices-manufactured-housing-professional-news-mhpronews-com-75x75Ross Kinzler
Executive Director
Wisconsin Housing Alliance

Are Frameless HUDs a MOD under state laws? 

June 3rd, 2014 No comments

The question of whether a “frameless” factory built home might be considered a modular home under state law is an interesting question.

To me, if the definition of “manufactured home” is amended to delete the requirement that a manufactured home have a permanent chassis, it wouldn’t matter what state law says.

If a frameless home receives a HUD label, that label is preemptive and the home is a “manufactured home” within the federal meaning of that phrase.

What is more interesting is if the term “manufactured home” is amended to exclude RV trailers larger than 400 square feet so a larger RV trailer could be built, since that unit is not defined in a federally preemptive way, then yes, state law could define that unit as a modular home.

So for the RV industry to produce a non-regulated home at either the federal or state level, they would need to amend federal and all state laws. ##

ross-kinzler-wisconsin-housing-alliance-executive-director-posted-industry-voices-manufactured-housing-professional-news-mhpronews-com-75x75Ross Kinzler
Executive Director
Wisconsin Housing Alliance

 

(Editor's note: an industry savvy attorney, not affiliated with MHARR, who saw MHI's statement on frameless HUDs voiced concerns about the issue. See this article, supplied by MHI for publication.

http://www.mhpronews.com/mhi-news/7691-about-the-rvias-efforts-on-changing-some-language-in-the-hud-code-for-manufactured-housing

Jim Ayotte made this statement on a related issue;

http://www.mhpronews.com/blogs/industryvoices/the-rv-industry-is-attempting-to-amend-the-hud-manufactured-housing-code/

As on any article of topic of industry interest – private or public (ie: for publication) – feedback on this subject is welcomed.)

Community Owners! MHC Lessons Learned

January 8th, 2014 No comments

Join your peers in the MHC world for an exciting hour to learn real life proven methods of how to improve your land lease communities Bottom Line Performance! Get tips from seasoned professionals who have profited in large, medium and small Manufactured Home Community (MHC) operations.

This is a program you will not want to miss.

ross-kinzler-wisconsin-housing-alliance-mhpronews-industry-voices-hall-of-fame-

The panel discussion will be moderated by Ross Kinzler, Executive Director of the Wisconsin Housing Alliance. Ross has over 25 years of experience in the Manufactured Housing Industry. He has been active at both the national and state levels. He is a founding member and past Chairman of the Manufactured Housing Educational Institute. Ross currently serves on the Executive Committee and Board of the RV/MH Hall of Fame. In addition, Ross has taken on many leadership roles industry wide and has served on numerous boards and committees dealing with issues facing MH communities.

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Among those in our three person panel is Tammy Fonk, an Associate with the CBRE MH/RV National Group. Tammy was born and raised in the MH industry with two family owned communities. She operated the family owned company's sales and marketing business as well as having an active role in day to day community operations and resident relations. As a member of the MHRV Team, Tammy now works closely with public and private investors on building business relations and opportunities to enhance the Manufactured Housing Industry as well as the RV Resort and Marina properties in North America. Tammy works with owners and buyers of small, medium and larger communities in addition to representing large portfolio owners.

don-westphal-manufactured-home-community-development-operations-owner-posted-mhpronews-com-industry-voices-.png

The panel also includes Don Westphal President of Don C. Westphal & Associates. Don has over 40 years of experience of working in; community conceptual planning, master site design and landscape architectural design for land lease communities. Don has represented developers and owners of communities from concept plan approval all the way through final construction. He also works with owners on Community Imaging and on Marketing Plans for communities. The communities have ranged in size from a small number of home sites to those with over 500 sites. Don was featured in this interview, A Cup of Coffee with…Don Westphal.

rick-rand-l-sam-zell-c-jim-clayton-r-posted-manufactured-housing-pro-news-

The third panel member is Richard (Rick) Rand, President of Great Value Homes, Inc. Rick has over 33 years of experience in the manufactured housing industry. GVH is an acquisition, development and property management firm specializing in multiple aspects of the Manufactured Housing Industry. The Company currently operates 6 Manufactured Housing Communities and is also a distributor of Manufactured Homes sold in the communities.

In addition, GVH acts as a broker for the resale of existing manufactured homes for residents who reside in the land lease communities the Company manages. Richard also acts as a consultant to institutional investment and private firms on various aspects of the Manufactured Home Industry.

Rick was founder and President of Asset Development Group, Inc. and its affiliate, Home Source One, LLC. From 1984 time until his departure in 2004, he grew the company to the 25th largest owner of manufactured housing communities in the country. During his tenure at Asset Development Group, Inc. Rick managed all aspects of the enterprise. He was responsible for all of the Company's property acquisitions and requisite financing. From the Company's inception, he oversaw the staffing and training of the ADG/HSO employees and management team. In addition, Rick was responsible for the planning and development of over 2,500 new manufactured homes sites that were both additions to existing communities and new green field development.

Rick is featured in this exclusive interview, A Cup of Coffee with…Rick Rand.

The Louisville Seminars are one of the most popular draws for attendees to the show.

business-building-seminars-credit-manufactured-housing-pro-news-posted-louisivlle-show-com-.jpg

Come Join us at the 2014 Louisville Manufactured Housing Show! The Show was the best attended event in all of Manufactured Housing in 2013. Most industry members can attend free, learn more at the link above, and learn more about the other valuable seminars available for industry members at this link. ##

rick-rand-great-value-homes-manufactured-home-pro-news-industry-voices-guest-blog-.pngRichard J. Rand
President
Great Value Homes, Inc.
9458 N. Fairway Drive
Milwaukee, WI 53217-1321
414-352-3855
414-352-3631 (fax)
414-870-9000 (cell)
RickRand@gvhinc.net

Are You Ready to Grow?  Ready to Do What it Takes?

June 7th, 2013 No comments

It’s been a tough decade and more for manufactured housing. Before the residential housing meltdown of 2007-08, manufactured housing had it tough already. Half of the homes the industry produced in 1999 to 2000 have since been repossessed. That devastated those customers but also the flood of repos tanked new home production and the number of factories and retailers plunged.

The challenges we face today are in stark contrast to the assets the industry still possesses—excellent products, land zoned for use by MH and market hardened professionals.

So, how do we take those assets and turn the industry around?

Veteran retailer Mike Evans of Centennial Homes of Aberdeen, SD recently laid out his vision to LA Tony Kovach of MHProNews:

  • Identify opportunities that no one else will pursue or they don’t see. (Are you a general contractor or are you giving your margins away to others?)
  • Set your goals within your values.
  • Determine the strategic and tactical plans needed to capture that opportunity.
  • Develop a business plan that uses the 3 resources business owners and managers have to accomplish the task: Capital, Technology and Human Resources.

My only addition to his list is to expand your resources by identifying others that can be your strategic partners. You don’t need to do it all yourself, but you have to be able to fill in the gap between your capabilities and what is needed.

In talking to members, they have product and customers but lack financing. Yes, Dodd-Frank was a blow to installment sales, but there are other ways to finance purchasers. This is an example of where there is need for networking for new finance sources. Successful members are expanding their business by relentlessly talking to bankers, credit unions, and mortgage brokers. One member said, he finally broke through by just being a pest regarding the opportunity that MH finance can be for a local lender.

The days of faxing a loan application and getting an answer by noon are over and are not coming back. If we have all of the elements to rebound, then we need to do what it takes to make it happen. ##

ross-kinzler-wisconsin-housing-alliance-executive-director-posted-industry-voices-manufactured-housing-professional-news-mhpronews-com-75x75.pngRoss Kinzler
Executive Director
Wisconsin Housing Alliance
608.255.3131 voice
608.255.5595 fax

RV/MH Hall of Fame Celebrates Inductees

August 13th, 2012 No comments

Surrounded by more than 300 family, friends, and colleagues from across the country, the Class of 2012 was inducted into the RV/MH Hall of Fame (Hall) at a gala ceremony last week in Elkhart, Indiana.

Barry Cole (Manufactured Housing Insurance Services), chairman of the board of directors for the Hall, said, "What a joyous occasion with all past legends and present leaders of our great industries to honor the ten new inductees. There is no industry function that can equal the emotional feeling and happiness when mingling and networking with so many greatest of the great."

Cole believed it was an incredible evening supported by both RV and Manufactured Housing segments.  

Inductees and family members accepting on behalf of deceased inductees include: First Row (L-R): Doug Gorman, 

Stan Sunshine, Gerald "Jiggs" Meuret, Kaki Williamson, Jeanne Mize, Rachel Gandy, Mary Irene Younkin, 

Michael Evans. Second Row: Bob Olson, Kent Titcomb, Allan Yoder, Gail Yoder and Holly Yoder.

"The cocktail party was fun, the huge group picture with all attending was charming, the dinner as always was incredible and best of all was the touring of the RV/MH Hall of Fame itself." Cole continued. "Wandering through the exhibits, theater, library and museum surprised some new guests. They were shocked at the unbelievable greatness and beauty of the building plus discovering their heritage for the first time. All comments from everyone referencing the Hall were in superlatives."

"Some of the many MH veterans who mingled and networked during the cocktail hour were Ron Younkin, Jeff Wicke, Dan Rolfes, Tim Williams, L. A. 'Tony' Kovach, Ken Rishel and George Allen." 

"At dinner Dick Jennison (MHI) was sitting with a contingency of MH professionals Jim Scoular, John Evans, Leo Poggione, Darrell Boyd, Chris Barrett and John Loucks. Ross Kinzler was sitting with Jigs Meuret and Danny Gorbani (MHARR) sitting with Doug and Millie Gorman. These are a few of the enormous number of MH attendees."

"These are a few of the enormous number of MH attendees."

 

Keynote speaker David Humphreys (left). Darryl Searer (right) delivers good news concerning the financial health of the Hall

Keynote Speaker David Humphreys, former president of the Recreation Vehicle Industry Association said, "The Hall of Fame serves many purposes for the industry. 

Besides providing a great consumer attraction, the Hall of Fame defines an important message for the financial community, the media and legislators and gives a sense of pride, unity and accomplishment for the entire industry."

Noting the solid financial footing the Hall of Fame has achieved through the leadership of President Darryl Searer, Humphreys urged audience members to give the same priority to the Hall of Fame they give to industry unity."

In a behind-the-scenes look at the financial status of the Hall and its recovery from near insolvency just a few months ago, Searer declared, "The Hall of Fame has never been in better shape than it is today."

Overall debt owed by the Hall has been cut by $2.5 million in the four months since Searer assumed the Hall presidency.

Cole added, "It was a special evening you just did not want to end. You are invited next year."##

barry-cole-rv-mh-hall-of-fame-manufactured-home-insurance-services-mhisBarry Cole, Chairman, RV/MH Hall of Fame

The IBISWorld Controversy and the Manufactured Housing Industry

April 13th, 2011 3 comments

Exclusive MHMSM.com Industry In Focus Report

The March 2011 IBISWorld report that cited manufactured home dealers as a ‘dying industry’ has made news inside and outside of the manufactured housing industry. MHMSM.com has contacted a variety of Industry leaders and personalities from coast to coast to get their comments. On-the-record comments have included national association leaders, as well as professionals in factory-built housing from the manufacturing, retail, communities and lending sectors.

Messages, comments and calls to MHMSM.com from manufactured home industry professionals dribbled in at first, and then gained in volume as publications such as The Atlantic and Business Insider covered the IBISWorld report. As an example of mainstream media coverage, a TV station in Houston reportedly called a regional firm to interview them about the developing IBISWorld story.

Derek Thompson, associate editor at The Atlantic, penned a commentary that included these words:

“At the center of a perfect storm of boomer burnout, a brutal recession,
and a rapidly changing industry, the mobile home retail market
could be the worst industry in America. Here’s why.”

Photo from The Atlantic
Photo from The Atlantic

“If I asked you to name America’s least fortunate industry, your mind might go to record stores, obliterated by on-demand apps; or photofinishers, left in the cold as digital cameras turn Americans into our own photo editors; or fabric makers, where business is booming … in Shenzhen, China.

“But when it comes to unlucky industries, it’s manufactured home (aka mobile home) retailers who really hit the trifecta. First they missed out on the housing boom. Then they felt the gut-punch of the recession. Now they might yet miss out on the recovery. That makes them America’s fastest dying industry, according to a new report from IBISWorld.”

Paul Bradley with Resident Owned Communities USA (ROC USA) was one of the first in the manufactured housing world’s leadership to publicly respond to this IBISWorld report. Bradley wrote a feature article for MHMSM.com that analyzed the IBISWorld report. Quoting from Bradley’s analysis:

“The (IBISWorld) report states ‘demand is dwindling’ and ‘sales are stagnant because the industry is not innovating, and that sales are likely to continue falling in the coming years.’ They go on to say, ‘Manufacturers have made cosmetics changes to manufactured homes, but they have not been significant enough to alter their life cycle stage.’ The report puts MH retailers in the ‘Industry stagnation’ category of declining industries.

“Are you kidding me? These are ‘deeply researched answers’?

“First, the headline clearly comes from their marketing division as a means of grabbing headlines. The research is not about a dying industry but a declining industry segment – one of two long-standing distribution channels in the business.

“With MH shipments in 2010 at 50,000 or 20 percent of 2000 levels, it’s not news that retailer revenues over that period declined. On that data, I’m surprised establishments are not down more than 56 percent. It suggests that the segment has excess capacity and additional closings are likely.

“Most surprising to me is laying the blame at the feet of manufacturers on the issue of design! From a ground-level market vantage point, that’s misplaced.

“The industry’s great declines came about as a result of, first, an industry-created chattel collapse where the seeds were sown in run-up to the 373,000 shipments in 1998. The collapse, and the repossession overhang which followed, began the decline like a skilled boxer’s well-placed left jab.

“The right overhand came next in the form of aggressive sub-prime and predatory lenders in the site-built market. In that run-up, traditional MH buyers – who were harder to finance for MH as a result of the chattel collapse – were lost to site-built housing in an eerily familiar boom market.

“Dazed by the right hand blow to our collective heads, the left to the body that has people reeling now is the regulatory reaction – the SAFE act, etc. – to the clearly consumer-eating lending practices of the last decade.

“The results of this three punch combination are declines of the magnitude widely reported and felt, and like a good whack, the pain lasts a while.

“Innovation in housing design, however, is not the industry’s chief failing.

“For those of us in the community market segment, in fact, innovation in new homes is a small issue – not a non-issue but a mere shadow of the aforementioned home financing issue. In fact, we are seeing demand for replacement and in-fill homes but only where we are able to arrange decent home financing. People want more efficient homes and the cost savings with new EnergyStar homes can be dramatic based on buyers with whom I’ve spoken.”

(Editor’s Note: The complete analysis by Paul Bradley can be found at this link.)

Other commentary in the form of articles proposed for publication, private and public comments followed. Thayer Long at the Manufactured Housing Institute issued this email as part of his response:

“State Execs & MHI Board:

“A very well articulated response to the IBIS report from last week by Paul Bradley which was just posted on www.MHMSM.com.

“I’d also just add that the sentiment at the Tunica Show, the Louisville Show, and the expected strong turnout at the Congress & Expo and the Tulsa Show and York Show later this month certainly don’t indicate this industry is going anywhere.

“Tony/Paul – I hope you don’t mind me sharing. We’ll see you in Las Vegas. Thanks for your support.

“Thanks-

“Thayer”

MHMSM.com spoke with Danny Ghorbani at the Manufactured Housing Association for Regulatory Reform (MHARR) and to Thayer Long at the Manufactured Housing Institute.

Danny Ghorbani stated in a telephone interview that his comments were not the official position of MHARR, but represented his own views on the IBISWorld report and related.

Ghorbani stressed that the IBISWorld report represented the “failure” of “the post-production sector of the Industry” [meaning, MHI] in “serving that segment of its membership.”

The MHARR official then referenced two previously published documents that do represent MHARR’s official position, which were previously published on MHMSM.com in August and October 2010. These MHARR Viewpoint articles called for ‘the post-production segments’ of the manufactured housing industry to form their own national association; a thinly veiled vote of no-confidence from MHARR towards MHI.

MHMSM.com spoke extensively with Thayer Long at the Manufactured Housing Institute (MHI). The typically soft-spoken Long was quick to respond.

Long was at times tongue-in-cheek, at other points direct in his comments about the IBISWorld report and Ghorbani’s often pointed comments on the matter. It should be stressed that Long’s comments, which follow, should be viewed as his own, and not necessarily reflective of the official view of MHI.

In an exclusive interview with MHMSM.com, Long shared the following thoughts:

Thayer Long:
“If it is a dying industry, then ok, then I guess I quit! And if Danny wants to blame it on us [MHI], okay, what else is new? … I am still struggling to figure out what he (Danny Ghorbani) is doing right now. Name one thing that he has accomplished … in the past three years? What has he accomplished…? I would love for you to think about that and get back to me. What has he accomplished? We [MHI] win and lose some battles. But at least we try. We have accomplished some things. Except, except, except… [MHARR]…nothing….

READ THE FULL INDUSTRY IN FOCUS REPORT

Let’s Finish the Dream!

November 18th, 2010 No comments

Along America’s Main Street – I 80 in Elkhart, IN – a Las Vegas style sign invites all to visit the RV/MH Hall of Fame! A bright sign shines on a nearly complete Hall of Fame honoring the history and history makers in the RV and manufactured housing industries. Now it is time to finish the dream.

The Hall of Fame has applied for a $6 million USDA loan to construct the MH Hall which is the final component of the complex. The RV industry has done its part building its beautiful display hall despite the economic downturn. Now it’s our turn.

The loan will retire the Hall’s $3 million debt (on an $11 million complex) and build a 15,000 foot MH Founder’s Hall. There will be 20 acres of blacktop, lighting and improvements for outdoor rental venues as well.

To make this all happen, the Hall has to show that its financial house is in order. This winter the Hall will experience a serious cash flow shortage. The Hall has assets that vastly exceed its liabilities, but cash flow is another matter at the moment. During this Holiday Season, please send a charitable contribution to the RV/MH Hall of Fame at 21565 Executive Parkway, Elkhart Indiana 46514. www.rvmhhalloffame.org

##

Ross Kinzler, Exec. Director of the Wisconsin Housing Alliance (WHA)