Archive for the ‘Manufactured Housing Industry Education’ Category

The Three Letters that Unlocks Manufactured Housing’s Answers

September 4th, 2017 No comments

Whoever you are.

Whatever you do.

Whatever brought you here.

Whatever your political, economic, religious, ethnic, or other perspectives happen to be.

Three letters turn a key that unlocks the answers for manufactured housing investors and professionals.

Conceal, Reveal and ‘the Deal…’

Understanding the facts and opportunities unlocked by those three letters could lead to robust new HUD Code manufactured home sales growth.

That growth would positively impact retailers, communities, producers, lenders, suppliers, and all others who serve the public in manufactured housing.  What are those three letters?


Why? Credits, MHProNews/Pixabay.


When there are millions of Americans who need affordable housing, why did manufactured housing finish 2016 with only some “81,169” new HUD Code manufactured homes shipped?


HUD’s 2017 Worst Case Housing report points to nearly as many housing units needed today as the total number of pre-HUD Code mobile homes and post HUD Code manufactured homes in existence today. Those 8.3 million don’t count the millions more renting, 85 percent of whom want to own and could qualify for a residential style manufactured home.

When real estate agents can’t keep enough affordable housing in stock, why did manufactured housing grow at only 15% 2016 compared to 2015?

The Manufactured Housing Industry (MHI) has touted the fact that the manufactured housing industry for many years was about 21 percent of all new single family housing starts. Hmmm, okay. So, Why does MHI accept being at only some 9 percent of single family housing starts today?

Why did Richard A “Dick” Jennison – President and CEO of the MHI – say in reply to a softball question in the video below that “I don’t think that we [manufactured housing industry] should grow too fast,’ so that it gets…out of control” – out of who’s control? Who or which operation(s) benefit from slow industry growth?

When there are MILLIONS of affordable housing units needed, Why should the industry settle for less than 100,000 new homes, and modest growth?

  • Why not half-a-million new manufactured homes annually, or more?
  • Why should RVs – an optional purchase – outsell manufactured homes by some 5 to 1, when homes are a necessity?
  • Why did Jennison get his contract extended by MHI after he made this straight-faced statement on the video above? What would happen to an National Association of Realtors (NAR) or National Association of Home Builders (NAHB) president if they would have said something similar?

These are quotes or close paraphrases of statements made by Richard Cordray, CFPB’s director. They would have been helpful for MHI to make their case to get Preserving Access passed. MHProNews created the graphic above to support the effort. Why didn’t MHI ever use it? Why didn’t MHI make a similar graphic or similar arguments? Why don’t they want to debate their own effectiveness? Could it be that they don’t want to have to answer serious, reasonable questions? Why not debate their wisdom and effectiveness?

If they really want to see the Preserving Access to Manufactured Housing Act passed, Why hasn’t Lesli Gooch, Ph.D. – MHI SVP for Government Affairs & Chief Lobbyist – or anyone at MHI gotten permission to use the graphic above, or create a properly attributed one of their own like it?

Why not use Richard Cordray’s own talking points to advance the Preserving Access bill they claim to want enacted into law? (See quotes/graphic above.)

Why won’t MHI release their bylaws, which an MHI board member told MHProNews is required by law?

Why won’t MHI discuss the alleged conflict of interest for the largest lenders in the industry setting the agenda that most favors their own company?

If they are confident, why won’t MHI agree to publicly debate via video their performance and success, on their own claimed agenda?


Why won’t MHI debate their effectiveness?

When Lesli Gooch and the MHI leadership know that Keith Ellison plans to lead a charge against Preserving Access – as her own written statement below makes clear – why didn’t MHI denounce racism?  Why isn’t MHI being pro-active instead of reactive?  Why not -when as prior chairman, Nathan Smith said in a video statement – that MHI must make being proactive part of their standard?


Each of those lodging allegations discussion on this page are reported in the Daily Business News post, click image above.

Smith’s point is interesting. Especially given MHI’s history of being reactive, per prior chair Smith, why did Gooch and MHI’s leadership fail to condemn racism? Especially Why – given the fact that Ellison, and 3 other Democratic Congressional leaders – have signed onto a letter to the CFPB and the Department of Justice that alleges racism on the part of MHI’s dominant companies (Berkshire Hathaway units Clayton Homes, Vanderbilt Mortgage and Finance, 21st Mortgage Corp)?  Why don’t see that opponents of MHI’s bill may again use racism as a charge against them, as they did in the 2015 congressional session?


These Democratic lawmakers have raised the issue of racism with respect to the companies that dominate MHI. MHProNews is the first in the Industry to notify industry readers that the Center for Accountability, about two weeks ago, put out a press release that they are pursuing this racism, steering and predactory lending issue. MHProNews asked MHI’s leadership about this, asking them to reject racism. After several days, they have not yet done so. Now, MHI’s SVP Lesli Gooch admits that Rep. Ellison is opposing the MHI Preserving Access bill. Will any thinking person be surprised if Ellison, the CfA or others accuse MHI’s leadership of racism?  Why would MHI hesitate a second to reject racism?

Why didn’t Lesli Gooch’s letter to State Association Executives (shown below), include a reference to the various groups – including, but not limited to, the three below – which are targeting their bill, with allegations of racism, and more?

  • Consumer Financial Protection Bureau CFPB
  • Democratic lawmakers
  • Center for Accountability (CfA)

The first three hot links were added by MHProNews and where made bold, so that those who want to dig deeper can quickly access more information.  but all of the text below is by Gooch to state association executives…who, by the way, are NOT “MHI State Executive Directors.”


Is there much doubt that many state associations are dominated by the same forces that dominate MHI? That said, state associations do not belong to MHI. They are not technically MHI state association executives, as Gooch opened her letter. Some executives resent that kind of address of MHI to them, as independent organizations.

From: Lesli Gooch [] Sent: Thursday, August 31, 2017 11:48 AM
To: Lesli Gooch <>
Cc: Rick Robinson <>
Subject: Federal Legislative Update

Hi MHI State Executive Directors,

I wanted to update you about some upcoming action in the House of Representatives on the two issues that we focused on during the MHI legislative fly-in. In June, MHI members went to the Hill to: (1) support H.R. 1699, the Preserving Access to Manufactured Housing Act and (2) Stop HUD’s expansion of the regulation of manufactured housing beyond, and often contradictory to, the statute – on issues like garages, carports, frost free foundation requirements, and on-site completion of construction. Attached is our “asks” document from the fly-in.

As soon as next week, we expect both of these issues to come up on the House floor when the Fiscal Year 2018 appropriations package (H.R. 3354 – The Make America Secure and Prosperous Appropriations Act) is considered. We will know more about timing next Tuesday – while it was scheduled to come up next week we anticipate the Hurricane will likely push the timing back.

First, the language of the Preserving Access to Manufactured Housing Act is included in the underlying appropriations text that is being brought to the House floor. Rep. Ellison (D-MN) has filed an amendment with the Rules Committee to strike this language from the bill. We are advocating with the Rules Committee to decline his request to offer the amendment during House debate on the bill – as they did when he tried to strike our language out of Chairman Hensarling’s Financial CHOICE Act (H.R. 10).

Second, Rep. Barr has filed an amendment with the Rules Committee regarding HUD’s expansion of regulations on garages/carports; frost-free foundations; and on-site completion of construction. Here is the link to the amendment: These issues were raised in a bipartisan letter to HUD Secretary Ben Carson (see attached). We are working to ensure the House Rules Committee agrees to allow the amendment to be offered during House debate on the bill.

We will keep you posted as things move forward. We plan to send out a grassroots call to action when we have a better sense of timing.



Lesli Gooch, Ph.D.

Senior Vice President for Government Affairs & Chief Lobbyist

1655 Fort Myer Drive, Suite 200, Arlington, VA 22209


What’s Wrong is that We Don’t Ask What’s Right

In the video collage below, is a brief clip of ROC USA president Paul Bradley explaining “cohesion,” a point that MHI Financial Services Committee chairman Dick Ernst speaks about cohesion in the same video, noting its importance.

Bradley’s point is akin to Marty Lavin’s argument that notes the manufactured housing industry’s “other image campaign.”  Lavin’s meaning is that the negative news that is so common from the mainstream media – which Lavin has explained must be dealt with.  When the national association for years has not refuted the negatives that manufactured housing industry is often hit with, why would savvy home buyers invest?


To see what some other industry professionals have said about the pending MHI image campaign, click the image above.

Yet as Frank Rolfe and others have blasted MHI for their poor communications in defending the industry, or even promoting the industry.


Why should MHI and their dominant companies be in charge of a planned industry image campaign? Why – or how could they possibly lead – when MHI’s own president has advocated publicly – more than once – that growth should be slow?  See Jennison’s statement in the roughly 20 second video above.

When Clayton and Cavco’s own published numbers indicate that they are growing at a pace somewhat slower than the industry at large, why should they call the shots for everyone else?


Using MHI’s numbers, Cavco stated the above. Per MHI, the industry grew 15% 2016 over 2015. What that means is that Clayton and Cavco are growing at a somewhat slower pace in sales than the industry at large. Based upon those facts, why should those two companies dictate the course of MHI’s future, or their planned image campaign?

Why doesn’t MHI address the concerns, such as the allegation by a long-time member that – “the big companies [that dominate MHI] have figured out how to get the smaller and mid-sized companies [members of MHI] to pay for what they [the big companies] want” – why won’t MHI answer that or other legitimate questions and concerns?

We could go on and on with questions like the ones above.


For a story on Google and other monopoly concerns, and their impact on manufactured housing, click here or the image above. Photo by MHProNews, of the classic Monopoly game.  The longtime Parker Bros game product is now produced by Hasbro.

But let’s draw to a close today by saying, that after years of failures and disconnects, Why should MHI be trusted by anyone not a part of their inner circle?

MHARR is exploring expanding their membership.

Other company leaders have touched-based with MHProNews, saying they are exploring doing the

  • networking meetings,
  • trade shows,
  • promotion,
  • education,
  • post-production lobbying,
  • instead of MHI.

There are estimates that for less money than MHI spends, more could be done – and done more effectively – to Protect, Educate and Promote (PEP) the industry.


A leading MH state association exec’s mantra we love to share.

MHLivingNews and MHProNews are prepared to support intelligent efforts to supplant what MHI does.

Why not let the big companies keep their big boys club?

Why not let there be an association that works on behalf of everyone else?

Feedback on this is welcome.  “We Provide, You Decide.” © ##

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


Click on the graphic above to learn more about the rapidly approaching 5 State event.

L. A. “Tony” Kovach is the managing member of  LifeStyle Factory Homes, LLC.  The Masthead blog represents that editorial perspective, and may or may not represent the views of sponsors or others.

MHProNews is open to a diversity of professional viewpoints.  We routinely seek, get, and publish feedback from industry professionals that represents a range of diverse views and backgrounds.


MHI is once more invited to publicly debate via video, available both live and for later playback, their track record on protecting and promoting the manufactured home industry.

MHI Executive Committee Member Emails MHProNews, Sam Zell’s Comment$

August 26th, 2017 No comments

A few days ago, an MHI Executive Committee member sent an email, which he asked that it be treated as not for publication. We respect the request, replied late yesterday afternoon, and made a like request about our message to them.

The Masthead blog on MHProNews makes no predictions about this. Just an FYI to the MH Industry.

#War #Peace #AmericanEagle

The seal of the United States bears the image of an eagle. One talon grasps arrows, the other an olive branch.  That speaks volumes.


War? Peace? “Don’t Tread On Me.” “From the Many, One.” These are just some of the lessons of America’s historic success, part of the American Way.

That’s the real American Way.

For the believers in the audience, recall that Jesus overturned the tables of the money changers.  Why?  Because those leaders were “thieves” who were cheating and misleading the people.

We won’t rehash the numerous quotes from MH Industry pros – several of whom are MHI members – published two days ago. It’s ‘read hot.’


Instead, we will remind readers about what other Industry pros said on the record, in the captioned images in today’s Masthead blog commentary.  “We Provide, You Decide © if the commentary and quotes all fit, and make sense to you.


On the record quote to MHProNews. Graphic by MHProNews.  It should be noted that the quotes by third parties, like the one shown above, were not provided with this specific Masthead post in mind.  Readers will need to discern for themselves if the statements shown fit the facts, allegations, and concerns about MHI.


We Provide, You Decide.” © is one of MHProNews’ long standing slogans.

Texas Hurricane Tragedy

There are not enough words to capture what millions will be going through in the next few days.

Our thoughts and prayers are with all those whose lives are impacted.  Especially so, with the forgotten and marginalized.

Manufactured Home Necessity, Potential

Why won’t MHI admit the obvious disconnect between what Chairman Tim Williams (21st Mortgage) accurately said, and what Warren Buffett has said – which are polar opposites?


The truth about MHI is in several ways hiding in plain sight. But the MHProNews exclusively obtained document from Tim Williams speaks volumes. Click here to see the brief, yet powerful, report.


L. A. “Tony” Kovach is one of the most popular speakers in the manufactured home industry, yet MHI – sometimes through surrogates or by applying pressure on others – has systematically, allegedly, attempted to keep Kovach from addressing the industry’s members. That said, they can’t silence the industry’s leading trade publication, which you are reading.

At MHProNews and MHLivingNews, we have a unique vantage point because:

  • we hear from MH Industry members across the spectrum,
  • we work with industry pros across the spectrum,
  • we speak and listen to the public,
  • we communicate with investors – foreign and domestic,
  • we engage with media,
  • engage with experts,
  • engage with advocates,
  • engage with public officials and politicos,
  • we research, and
  • we fact check.

The industry has its biggest opportunities ever. The need in America for manufactured housing has never been greater. As Daily Business News readers know, in Australia, manufactured homes are in some ways advancing better there than here, yet this is an American invention.  There would be widespread agreement on these points.

So where has “MHI’s leadership” been during this time of a growing affordable housing crisis?


Isn’t there an obvious conflict of interest between 21st Mortgage and Vanderbilt Mortgage (both Warren Buffett, Berkshire Hathaway companies) not providing data to the GSEs, and yet MHI claiming that they want the GSEs to do chattel loans?


Why won’t MHI publicly say what’s going on with moves like Lois Starkey leaving MHI, and ending up at HUD?


Yes, the industry is growing, and we should be happy about it, but we should be unhappy with how low the total sales volume is at a retail center, a community and the industry at large. When you look at the bulk of the mainstream media accounts, isn’t Tom Fath correct? Isn’t the industry under attack? Where is MHI’s defense of the industry?

Why won’t MHI call for Pam Danner’s removal from the HUD Code Manufactured Housing Program office? Isn’t it a farce to say they want HUD to back off on regulatory overreaching, when they won’t call for Danner – who approves those moves – to leave the HUD MH program Office?


This image above appeared on the business website shown, and was modified to fit this page. When HUD’s own data proves that manufactured homes have their best quality ever, why is Danner pushing for more and costlier regulations? Why isn’t MHI calling for Danner’s replacement, asap? Click above for more details.

If MHI were right on the issues, why won’t they answer questions on the record?  With us?  With mainstream media?


Doug Gorman’s location was bought out by Clayton Homes, so can we still expect the multiple MHI award winner to speak out against MHI’s failure about asking for the replacement of Pam Danner?

We’ve challenged MHI senior staffers to a public, via video debate. Aren’t they confident enough to do so? What are they afraid of admitting publicly anyway?

We routinely give MHI a chance to comment, they hide behind no comment.  How can they claim to be ready to promote the industry, when they won’t defend it when wrongfully attacked?


MHI’s advertorials – often issued under Richard A. “Dick” Jennison’s name – have been a mix of useful and problematic claims. Some of their statements have drawn harsh criticism, like the example by Titus Dare, above.

Why does the inner circle there act, as an MHI board member told us, like a “secret society” – with only a few “in the loop,” and the rest of their members expected to go along?

Ross Kinzler was right, Washington D.C. picks winners and losers.


See Ross Kinzler, Donald Tye Jr., and other professional’s  comments in the story linked above.

But let’s ask a question.  Doesn’t MHI literally and figuratively do the same?

Photo credit, Marty Lavin. The use of these quotes here does not imply that the quote was requested for this specific commentary. Industry readers will have to judge if the quotes selected make sense in the context that this is being presented in.


After years of the same, why should the industry trust MHI?

What did they do for North Carolina when local media body slammed them with a pair of digital cheap shots?


They sent Rick Robinson to testify in Ohio, and loaned them ‘engage,’ both of which were token efforts. Losing the Ohio Manufactured Home Commission battle wasn’t a mere local issue.  IMHO, it was a significant setback for the industry. MHI failed to do whatever it takes to back up OMHA’s Tim Williams, when the state association and their state consumer group were officially on the same page.

How could MHI let that happen?


Editorial comments should not be construed as representing the views of parties that may be named. For example, OMHA’s Tim Williams specifically thanked MHI for their help. That said, your Masthead blogger asks – why didn’t MHI do whatever was necessary to win such an important fight?

But aren’t those just 2 of numerous examples of MHI doing little or nothing? What about

The list could go on and on. MHI can say whatever they like about their plans for an image campaign. Lavin’s points on that speak volumes.


Consider what an MHI veteran said to MHProNews, that “the big companies have figured out how to get the little companies to pay for what they want.”

Ouch. Lavin’s point on follow the money and pay attention to what people do more than what they say ought to be shining in bright lights.


Dick Jennison, Lesli Gooch and others at MHI have made repeated, unforced errors – and aren’t  they routinely harmful to the industry? Yes, their allies don’t like the analysis, but if they could defend it, why don’t they?

Goal and Solution Orientation

There are individual players who have reached out to us to explore replacing MHI and those in league with them.

Specifically, we’ve been asked about organizing:

  • trade shows – that would be both wholesale and public events,
  • networking events,
  • educational meetings, and
  • industry advocacy.

We are interested in learning more about their efforts and ideas and are open to supporting them, but have not yet made a commitment. Note MHARR is considering expanding, but no decisions there have been made.

Stating the obvious. There’s no good reason the Masthead on MHProNews can see for supporting or keeping MHI. Let the big boys have their club.

Why not let all the others have their own association, one that fights for their interests? One that promotes the industry, instead of silently undermining it?


Have you seen any clue that MHI is willing to reform?  While I’m happy to be wrong, and would gladly admit it, I’m not holding my breath over the message exchange noted at the top.

Somebody, please, show me something MHI does that isn’t or couldn’t be done better by others??

MHI has their stated and secret plans. Do you think their plans include you and your organization’s winning?

Why feed the hands that bites or fails yours?

IReportMHNewsTips@MHMSM-comMHProNews (1)

Watch for a report – the next fact check/expose – coming soon.

In the meantime, tips and comments are welcome (click graphic above). Want to sign up for our read hot emailed headline news? Click here. ## (Analysis, commentary.)

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


L. A. “Tony” Kovach fights for the industry’s advancement, day by day. Photo taken while Tony was questioning regulators in NY.

L. A. “Tony” Kovach’s Masthead blog commentary represents the views of LifeStyle Factory Homes, LLC, and may or may not represent the views of sponsors or others.  MHProNews is open to a diversity of viewpoints, and we routinely get, ask for, and publish feedback from industry professionals that represents a range of diverse views and backgrounds.  MHI is once more invited to publicly debate via video, available both live and for later playback, their track record on protecting and promoting the manufactured home industry.




Awful, Awesome August 2017 in MHVille

August 18th, 2017 No comments

Birth is a messy, painful process.

In order for the joy of new life to occur, there is first blood, sweat, and tears.

The same is true for our nation, and for the rebirth of our manufactured home industry.


New life doesn’t come without breaking shells. MHProNews/Pixabay.

Billionaires and millionaires own and love their manufactured homes.

  • From those of modest means,
  • to the middle class,
  • to frugal millionaires and billionaires,

this is the form of housing that has, can, and will transform lives for the better.


New Life! Sacrifice. Pain. Cost. Beautiful results.

That said, there are various forces at work that would love to abort or slow walk manufactured housing. If they can’t achieve that, they would like to restrict the industry in as many ways as possible.

  • Ignorance,
  • Apathy,
  • Greed,
  • History,
  • Prejudice,
  • Monopolists…

…there are a variety of forces inside and outside of our great industry that are at work.


Birth and rebirth are both messy, yet beautiful. One should not expect it to be otherwise. Progress and life both comes at a cost.

MHProNews – plus our sister site – launched with a simple idea.

Via communications and best practices

  • of facts,
  • news, analysis,
  • and a proper understanding of the industry
  • concern for home owners, prospects and professionals

integrity and the truth could transform the industry for the good of the millions.


We all bleed red. There is far more that unites us than divides us. Yet, division exists. Part of the solution is to share reality with as much clarity and charity as possible. The truth sets us free, which means falsehood and half-truths keep us captive. Through the clash of candidly shared ideas, the truth will often be revealed, to those who objectively think matters through.

Thousands upon thousands of industry pros would profit, honestly.

This month’s featured articles are below. Dig into them, devour their relevance.

Join the thousands who have made it a minimum 15 minute a day habit to invest time in


Thousands a day are doing this! 15 Minutes a Day on both MHProNews and – free resources for the Public and Professionals –  that provide resources for industry image, education, and thus growth.

Read on a minimum of 15 minutes a day, and then share those links with others.

Do that daily, and your career, location and our industry will be transformed for the better.

With no further adieu, here are this months featured articles and reports. May this birthing be as easy as possible. But most important, may the new life inspired by these twin pro-industry trade media make your life and that of millions of more Americans, ever sweeter.

We thank our sponsors and clients, and of course welcome others to support and benefit from our work and services to the industry that makes this platform #1 and possible. ##


Drama! Analysis! Action! Results! Manufactured Housing, Controversy is Inevitable
by Soheyla Kovach

SoheylaKovach-WebsiteDevelopment+SupportServices-MHProNews-com-photo83degreesmediaJulieBranaman-posted-MHProNews-com-50x50-We’re living in a time that’s aptly described by people across the spectrum as a massive cultural and political clash. Read more …


Make Manufactured Housing Great Again, Achieve 400% Sustainable Growth Via Best Practices, Barry Noffsinger, Credit Human Federal Credit Union
by Soheyla Kovach

SoheylaKovach-WebsiteDevelopment+SupportServices-MHProNews-com-photo83degreesmediaJulieBranaman-posted-MHProNews-com-50x50-In a roughly 15-minute PowerPoint seminar with Barry Noffsinger of Credit Human (formerly San Antonio Credit Union), the award-winning veteran lays out a thoughtful case for a sustainable return to the kinds of new manufactured home shipments not seen by the industry in decades.  Read more …


Fake News Targets Manufactured Housing, What’s Their Agenda? – Manufactured, Modular Housing Review – Recap 4
by MHProNews Team

MHProNewsLogosRecap 4. Are you taking these recaps 1 through 4 in sequence?  We hope so.  Read more …


Will Buffett Buy This REIT? – Manufactured, Modular Housing Review – Recap 3
by MHProNews Team

MHProNewsLogosRecap 3. Staying informed yields advantages to any professional. Read more …


Game On – Manufactured, Modular Housing Review – Recap 2
by MHProNews Team

MHProNewsLogosRecap 2. Staying informed yields advantages to any professional. Read more …


Manufactured, Modular Housing Review – Recap 1
by MHProNews Team

MHProNewsLogosRecap 1. Staying informed yields advantages to any professional. Read more …


IASM – Vision, Understanding, Belief, Confidence, and Manufactured Housing Professional Success
by L. A. “Tony” Kovach


This month, Tim Connor has an excellent article on the stages of learning. Highly recommended. Read more …

The State Of Housing After 6 Months Under President Donald Trump
by Julia Granowicz

JuliaGranowiczManufacturedHomeLivingNewsMHProNews-comSince the election on November 8, 2016 the market has seen a relatively steady increase as one-in-four days the stock market has been open ending with record highs. Read more …


New Manufactured Housing Shipments Report, HUD Code Data
by Soheyla Kovach

SoheylaKovach-WebsiteDevelopment+SupportServices-MHProNews-com-photo83degreesmediaJulieBranaman-posted-MHProNews-com-50x50-Washington, D.C., August 3, 2017 – The Manufactured Housing Association for Regulatory Reform (MHARR) reports that according to official statistics compiled on behalf of the U.S. Department of Housing and Urban Development (HUD), year-over-year manufactured housing industry production increased during June 2017,” the association told MHProNews. Read more …


Treat Google, Facebook Like Monopolies, Says White House Strategist
by Julia Granowicz

JuliaGranowiczManufacturedHomeLivingNewsMHProNews-comGoogle has been online for almost 19 years now. Read more …


1 Million New Jobs, Record Markets and Sabotage, Says U.S.Senator
by Soheyla Kovach

SoheylaKovach-WebsiteDevelopment+SupportServices-MHProNews-com-photo83degreesmediaJulieBranaman-posted-MHProNews-com-50x50-I think there has been a concerted effort to sabotage this administration since day one on the part of many in the media and of course our Democrat colleagues in the House and Senate,” Sen. Ron Johnson (R-Wis.) said to Newsmax TVRead more …


Over-Priced Housing? Blomquist Report Reveals MH Opportunities
by Julia Granowicz

JuliaGranowiczManufacturedHomeLivingNewsMHProNews-comPotential home sellers in today’s market are caught in a Catch-22. While it’s the most profitable time to sell in a decade, it’s also extremely difficult to find another home to purchase, which is helping to keep homeowners in their homes longer before selling,” said Daren Blomquist, Senior Vice- President at ATTOM Data Solutions. Read more …


Economic Dislocation, AI, Robots and You – Ross Kinzler Examines Threat
by Julia Granowicz

JuliaGranowiczManufacturedHomeLivingNewsMHProNews-comThere are more than 6 million unfilled jobs in the U.S.  Many of the unemployed lack skills for those jobs.  Why?” Read more …


About the 41st Anniversary of the Start of Manufactured Housing
by Mark Weiss, JD


The establishment of the HUD Code was — and is — an important milestone for both the industry and consumers.  Read more …


A New Manufactured Home Community Brings Excitement
by Deanna Fields

deanna-fields-50How exciting it is that we are having a new community being built in Oklahoma!   We have existing communities that have expanded their communities, but it’s been over 30 years since a community of this scale has broken ground for a MHC in the state, let alone Oklahoma County. Read more …


“Fake News, PR and Distractions as the Industry’s Window of Opportunity Narrows”
by Mark Weiss


The Italian philosopher, Niccolo Machiavelli, famously wrote in his political masterpiece, “The Prince” that “he who studies what ought to be done rather than what is done, will learn the way to his downfall rather than to his preservation. Read more …


Actions and Abuses Of The Current HUD Manufactured Housing Program Administrator That Warrant Her Reassignment and Replacement
by Mark Weiss


The current HUD manufactured housing program administrator, Pamela Danner – “parachuted” into that position on a career basis in violation of section 620(a)(1)(C) of the Manufactured Housing Improvement Act of 2000 Read more …


Thank You Rev Donald Tye, Fighting for Enhanced Preemption of Manufactured Homes
by J.D. Harper


Tony, I’ve been meaning to take a moment for a couple of weeks now, to send you this message. I apologize for mixing subjects, but – in the end – I believe you’ll find that all these topics relate to one another. Read more …


BACK TO CORNFIELDS? Part One: The Decline of Communities
by Marty Lavin, JD

marty-lavin-jd-manufacturedhomefinanceexpert-DailyBusinessNews-mhpronewsThe news – A keen eyed observer who watches the Manufactured Home (MH) news scene might have noticed recently a move towards defining land lease communities (LLCs) as the holy grail of affordable housing by governmental entities. Read more …


Every year organizations waste time, money and resources on employee development. Why?
tim-connor-mhmsm-comby Tim Connor, CSP

Most employee training & development that doesn’t last more than a few days or weeks. Read more …


Expert Witnesses, Manufactured Homes, Investors, Professionals, Researchers, Media, Investigators, Public, Facebook, Mark Zuckerberg and MH Aficionados

July 16th, 2017 No comments

The vast majority who read this blog are professionals. While many are within our industry, a surprising number of those outside looking in come here too.  They may begin elsewhere on or But they will often end up here on the publisher’s Masthead blog, looking for answers.

Those who are serious, email, message or call.

Beyond our own industry’s professionals, among those who reach out include, but are not limited to:

  • investors,
  • media,
  • researchers,
  • those seeking an industry expert (think legal matters, expert witness cases),
  • federal or state officials, including investigators,
  • non-profits,
  • international,

others serious about understanding our industry and its role in quality, affordable housing.

I’m not in the prediction business, but let me suggest some things that a number of our Daily Business News articles already point toward.


Many, but not all, of the images in this blog post are hot links to stories that have more details. image credits are as shown or on the original post’s page.

Don’t be surprised if Facebook enters the factory-built housing arena, and if it’s billionaire founder – Mark Zuckerberg – runs for presidency in 2020 or 2024.

If Zuckerberg doesn’t run, it will likely be because of European, American and/or other anti-trust actions – or major media exposés – prior to that time.

MHI’s Annual Meeting – Disruption by Advocacy Group Protests?

MHI member Frank Rolfe isn’t the only one who has called out MHI’s leadership for “hypocrisy.”


 ELS and Rolfe’s operation are among those who may be ‘targets within the target’ of rumored protests against MHI that are looming over MHI’s Orlando meeting. See below for more.

So has the generally left-wing manufactured home community resident advocacy groups. We see – let’s put this carefully – indications that their may be disruptive activity at MHI’s planned meeting in Orlando this year. If the indications of that rumor in fact takes shape, MHProNews may decide to cover that activity.



Collage credit, MHProNews. MHI logo and KATU still from video of manufactured home resident protestors images are shown under fair use guidelines, for illustration purposes.

In an internet – George Soros and (Soros minded Brethren) funded age, it doesn’t take long for those left wing groups to mobilize, and organize a protest. 

There may even be a Facebook tie-in to that, we’ll try to keep an eye on those developments for you.


No one else in manufactured housing even comes close to exposing more ‘fake news’ that harms our industry, or spotlights more real news that industry pros need to know.

The GSEs, Investors, and Other Investigators

There are happy, curious and unhappy people who call or electronically reach out to our publications. 

As many in our industry know – while we love sponsors, we are not as dependent on traditional advertising – as other media are. The reason is we provide web, marketing, video, training, coaching and other expert, professional services. Those always have been the bulk of our revenues.

Some of those callers are seeking services.

Some want to understand the financial opportunities.

Others are looking at this or that operation in MH, at times with a legal, or other ‘takedown’ motivation in mind. When I mention the possible disruption in Orlando…

…well, let’s just leave it at that for now.

MediaFederalInvestigationsManufacturedHousingInstituteMHIFakeNewsMHProNewsI’ve been accused of using stream of consciousness in my Masthead columns (and hereby plead Nolo Contendere to that charge).


Again, crystal balls are broken, but don’t be surprised at the following allegation.

There are parties from 2008-2009 and other eras in our industry’s history that are exploring what might become one or more of the largest class action lawsuits in the industry’s history. As a hint – based upon what is heard – they may be focused on major operations in the industry, in the community, finance, production and retail sides of the industry.

Yours truly has not at this time entered into any agreements with such parties. If that should happens and If I would be engaged as an expert witness, I would unlikely be able to write about it, so remember. You read it here, first.

Closing Thoughts

The Berkshire Hathaway companies have their plans. We see them, we are asked about them, we report on it too.


Clayton logo is their property, and is shown here with a collage by MHProNews, under fair use guidelines.

Others have their plans, and those others routinely hang out with their fellows at – shall we call them a members group? – as they carve up their favorite chunks of manufactured housing.

For those who have been around as long – or longer – than myself, they remind me that Champion and Fleetwood once dominated manufactured housing. They went on a buying spree in the late 1990s and into the early part of 2000s. When they and others collapsed not long thereafter, and in the wake of Warren Buffett’s entry into the manufactured home industry space, new powers have come to dominate.

Don’t Think Small

We’ve said for years, don’t be complacent. Don’t think small. This is going to become again the hottest sector of housing, unless someone with an agenda deliberately kills it.

There are forces lining up that are for – and against – manufactured housing. Those “against it” might more accurately be described as those who – like those left-leaning home owner groups, or potential litigants – don’t necessarily hate MH.  They just have a bone to pick. That bone could be big enough, to harm and disrupt our industry.

DontGetCookedInASquatZigZiglarManufacturedHousingIndustryCommentaryDont LetOthersSelfLimitYouByActionInactionThinkingMHProNews

Honest growth is necessary and achievable. Don’t think slice of the pie, as so many in the MHC sector do.  The ground breaking of new projects that are taking place might, just might, signal the next wave of MHC activity. There will still be consolidators out there.

There will still be those who allegedly put their fingers on the scales to facilitate consolidation.

While we won’t comment today on pending or accomplished separations from certain prior sponsors, there are those who can (do) fill that vacuum.

So the best report and insights ever are about to come.

And there are those who need to heed MHI award winner, Marty Lavin’s, advice.

Follow the money. Pay more attention to what people say than what they do.

For those who follow us, you know we love this industry, know it, stand up for it, and will stand up and spotlight the negative things that take place within and without.

Click on some of the images above – if you haven’t already read those stories – and you will know what I mean.

We love Faith, Flag, Family, Freedom and Free Enterprise. The rest is commentary and details. Until next time…adios.  ##

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


Photo taken while Tony was questioning regulators in NY.  Kovach has been ‘fighting for the good operations,’ home prospects and current home owners of the industry for years.

By L. A. “Tony” Kovach.

Staff Shakeup! What’s Next – Good and Bad – at the Manufactured Housing Institute?

June 24th, 2017 No comments

Let’s begin with several examples of good news, before we get into the headline concerns.


   A huge, new manufactured home community has broken ground, and is underway.  That upscale MHC project, linked here, joins Scott Robert’s and his team’s big MHC project, linked here.

   A new, independent HUD Code home manufacturing center has broken ground.  That Daily Business News story is linked here.


   The industry continues at a double-digit growth rate. Some companies – which we are happy to say are clients/sponsors – are growing at an even more rapid rate than the industry at large is; we’ll point to 3 of many examples, from 3 different sectors – linked here, here, and here.

** These are all some of the many examples of good news to report. We report good news, along with challenge engagements – ** such as the Tornado Researchers at MSU making positive statements about manufactured homes ** – on a routine basis.



 Good news in the mainstream media ought to be widely shared, right? Ideally, these things ought to be done in tandem with an association, as was the case in the story linked above.

We’ll talk about problematic items later below.  Let’s first tee that topic up, as follows.


Success isn’t how many emails go to congressmen or senators. Success is getting the legislation you said you wanted, passed into law. Everything else is moot.

How is True Progress Measured?

All true progress requires a few basic things.

1) A willingness to admit that something can be better.

2) A willingness to change to make things better (buy in).

3) Ideally, a plan or operational theory (hypothesis).

4) A timeline (“Everyone needs deadlines.” – Walt Disney.)

5) Execution of the plan.

6) Objective, measurable benchmarks.

   Is the plan working? 

   If so, how well and at what costs?

   How is the ROI?

   Could the plan or execution be improved? 

   If ineffectual, can it become effective, or should it be scrapped?

In summary, professional progress requires – an open mind, a vision, objectivity, analysis, discernment, and adjustments as needed. Vince Lombardi said the goal of the winning team –  or person – is excellence.


To rephrase, one must see reality as it is. Then the good, the mediocre, and the bad – plus:

   the honesty,



   and determined commitments needed to obtain a worthwhile goal. Those are some key elements in achieving positive change.



Image by


Failure to commit, or

   a lack of honesty,

   or any of the other needed elements, weakens or cripples a plan.

Positive, Negative, and Power

It is worth reviewing that to be effective as trade publishing – as media – one must be willing to look at positive and negative issues. Cheerleading is great and needed in an organization – including media?! – but mindless cheerleading is eventually exposed as empty.

Being solely negative is as problematic at achieving progress as being only positive. Realism and objectivity are needed.

As an engineer confirmed/reminded us recently, there is no power in electricity without both positive and negative electrons flowing.  The same is true in life, or for effective trade journalism. Power comes from looking at the good and the negative. It’s true for any profession.

If someone can’t look at – and deal with – the positive as well as negative, that person is in denial.

Stating the Obvious for clarity – the good, bad and in between happen continuously in life.

ElectricityRequiresPositiveNegativePolarityWithoutBothNoPowerLeadersMediaMustDealRealityPositiveNegativeToCreateEnergyChangeMHProNewsMHI’s Recent Shakeup

MHI supporters as well as critics have sounded off on the senior staff shake ups. If you’ve not read that story, please click the photo below or the link here.

We’ve heard from supporters of Lois Starkey. Even those who were not necessarily fans noted that there is no one at MHI at this time that understands the technical aspects of the HUD Code as well as Starkey does. To rephrase, MHI is now objectively weaker as a trade organization in her absence.

Who are they going to find/train to replace what Starkey did? Do they have work-around? Sure, but this incident speaks volumes on a variety of levels.


A common statement heard is ‘why didn’t MHI make some kind of announcement?’

Perhaps the other is underscored by the Tom Heinemann side of this. While I spoke personally with all of the folks at MHI, perhaps the one I engaged with the least was Heinemann. Here’s what MHI put out about him when he was hired, less than 18 months ago.


Now, this professional that MHI was so pleased to welcome, he’s now gone.

Objectively, if you were the next candidate looking at job opportunities in Washington’s metro, as a career-minded person, why would you pick MHI? Doesn’t a 6 year snapshot of MHI reveal a revolving door in-and-out of that organization? 

Reportedly, some left MHI on their own, unhappy. Others – allegedly including Tom and Lois – were shown the door. The average time there looks pretty thin, doesn’t it? Or is this, as some say — “The New MHI Way” — ??

Looking at Thayer Long’s Example

Thayer Long went on from MHI, and now is at NPES. This was sent to me this morning, and we created the collage.



The text at the right are parts of a press release, sent to MHProNews. Thayer Long left MHI, is now at a new association. That new association is starting the kind of process that could make sense for MHI to do, please see the bullets in this article, down below. Thayer started fresh, why not others at MHI?


A well-known state association executive at an MHEC meeting – with dozens present in the room – turned to Long and succinctly said, “Thayer, with all due respect, you’re not getting the job done.”


State and Community Executives are once more getting the positive attention and credit that their work so richly deserves. While national associations meet with DC based regulators, policy advocates, Congressional staff or members, its the state and community associations and their members who are the “boots on the ground” that makes it all happen.

Within weeks, Long was gone. He reportedly left on his own.  If you look at the collage with Thayer’s photo above, you’ll see that the outcome for him looks like a happy one.

We don’t wish anyone at MHI ill, but don’t some of them need to find a fresh start, for their own sake (like Thayer’s), and that of the association and the MH Industry? 

Look at MHI’s own stated agenda items, then look at their lack of achievement in the last almost 6 years.

MHI may have a few keepers. But after years of failure, don’t many on staff with the title of VP or CEO need to go?

They’ve burned through some 15 millions of dollars in 5 years – plus PAC money! – and have not gotten the job done.


They’ve played games, and played favorites. But most important of all, they’ve not gotten the job done.

Cutting loose two VPs shortly before their own Washington, D.C. legislative fly in, what where they thinking??


   On DTS

   On Preserving Access

   On HUD

   On media engagement,

   and more, they’ve had a train of bad or problematic positions, missed opportunities, and clear failures to achieve their own stated mission.

MHI’s own goals are their objective benchmarks. Billions are at stake. Isn’t it past due to clean up most of the house in Arlington?

Can MHI Even Get Industry Facts Right? Please??

This is a multi-billion dollar industry, and the Arlington, VA based umbrella association can’t get key facts right in their own reports on the industry to others. We’ll cover that issue soon.

As a prominent MHI member told me by phone recently, bankers want solid data (no, this wasn’t the DTS issue, but the same principle applies). MHI doesn’t get generate research often enough, and when they do, it’s often demonstrably wrong in enough places to cast doubt about their “research.”

They’re often demonstrably contradict their own previously published positions. No corrections. Just one set of facts that differ from others. No real explanations.

Hello? Think about know how that makes the industry’s umbrella association appear to third parties? Or how it makes members who support them look?

Frankly, we’d love to see a house cleaning before we have to publish those upcoming reports. We’d be willing to work with a new administration at MHI, so long as they want to ‘do right’ by the industry – including the thousands of independents.

Be it incompetence, or by design, or any other cause that can be imagined or alleged – their failures are harming thousands of independents, thus choking off ROBUST growth that would benefit nearly everyone.


That must change.

What’s Next at MHI?

This isn’t junior high school, and isn’t a popularity contest. We give and take critiques, and when they are well intentioned, they ought to be embraced.

For years, we tried to work within their system and behind the scenes.

That didn’t work, so we began to go public. Some at MHI allegedly were out to get us long before we did go public, and we could document that if/as needed.  This is about the industry, current and millions of potential customers, not me or any one person within MHLand.


A pro-MHI member asked/suggested this. Paraphrasing:

Tony, you need to give MHI leaders an off ramp. You need to put something on the table that will make sense to pro-MHI members, as well as others.’


Ok, here it is.

1)        Do a phased house-cleaning, and bring in a one year to 18 month interim president. Someone from the MH industry, someone that is independent. No disrespect to larger companies, but not someone beholden to any of them.

2)        Give that interim president 60 days to make a report and plan to leadership, the association/members and to the industry at large.

3)        That plan should be a strategic vision for the industry, and for the comprehensive reform of MHI into an effective body that can work with MHARR, communities, retailers, public officials, potential home buyers and the hundreds – (thousands?!) – of potential allies among the non-profits, consumer groups, media, and the millions of home seekers.

4)        The interim CEO should not be an MHI employee. While I’d be thrilled to consult and work with such a person, to be clear, I’m not interested in nor lobbying for such a role. Do I have possible good fits? Yes, but I think the industry ought to develop a list of qualifiers for the interim role. Then, ask for applicants. May the best woman or man, win.

5)        There should also be an interim VP.  That person might be someone with significant association experience. Some are retired or near retirement, that may make a good fit for such an advisory role.

6)        Look at what MHI has done in the last decade. What’s good? Keep it or refine it. What’s failed or not worked? Learn from it and check it off the list for future use. Example, their ‘engage’ system is a good idea. While some love it, frankly with the Feds, the bottom line results are totally missing. It’s a good idea that needs to be revamped, under new leadership.

7)        Doesn’t everyone in communications, plus no less than one president and 2 to 3 more VPs need to go? It should be noted that allegedly every single VP at MHI has privately criticized MHI’s president, some politely. Some harshly. Those criticisms were either made directly to us – or to third parties – and we eventually hear about it.  That speaks volumes as to the need to radically reform MHI and its culture.

8)        The “MHI, we’re bigger so we must be the best” mindset has to go. They behave in ways contrary to their own interests, that of their own members, their state ‘affiliates,’ and certainly to the majority of the industry at large.

9)        Create an inclusive, vibrant vision, plan and mission to mainstream manufactured housing acceptance. Protect, educate, and promote that vision and mission.


We will look at the GAPS Method in the near future, as one of the tools to analyze the road blocks to MH advancement.

The timing and departure of Starkey and Heinmann is sadly emblematic of MHI in recent years.

There is no reason to believe that MHI will improve, unless they first candidly admit their mistakes.

If MHI makes its admissions and amends to all those they’ve injured – and there are many – then I think a fresh start could be attempted. We’d be willing to engage in something that looked like the above.

Years before we took the positions we did, Dick Moore wanted to do a post-production association (MHIdea). MHARR has called for one for years. Among state execs, privately and publicly, there have been solutions floated.

George Allen – agree or disagree with him – has shown that hundreds could be organized.

MHARR senior advisor Danny Ghorbani has floated the idea of opening that group up to a broader membership. It would fall to their president and CEO, Mark Weiss, to make that happen.

Change Will Happen…

Something will give, count on it. People will only tolerate stuff so long.

We hope MHI decides to take the path of reform, or in time from among those noted or from a new source, watch as a rival rises that will leave them in the dust they alone created.

Let’s close by saying that MHI members are routinely good, nice people. We’ve all enjoyed a pleasant meeting or event. There are keeper elements at MHI. But there’s much to be reformed, or supplanted, right??

It’s up to every professional to take stock, and armed with the facts, to act.

We Provide, You Decide.” ©  ##

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

learntobegoodstorytellersdefineourselvesorotherswilldefineusoftendetrimentindustrypublicpolicymakers-latonykovach-postedmanufacturedhousingindustrymhpronewsBy L. A. ‘Tony’ Kovach.

Publisher | Consultant | Service Provider |
Award-Winning Industry Veteran |
LifeStyle Factory Homes, LLC – dba |















Are too many Manufactured Housing Professionals “Cooked in a Squat?”

June 17th, 2017 No comments

Zig Ziglar popularized the expression of ‘don’t get cooked in a squat.’ The illustrations below explains the point.

The expression means, don’t limit yourself – or let others limit you – as a result of restrictive thoughts, actions or inactions.

DontGetCookedInASquatZigZiglarManufacturedHousingIndustryCommentaryDont LetOthersSelfLimitYouByActionInactionThinkingMHProNews

There are arguably few industries that are better poised for potentially explosive growth than manufactured housing. America, indeed much of the world, needs affordable quality homes. Factory home-building provides that option.

Our industry once achieved new home shipment numbers some can’t even imagine today.

Given that almost two decades have elapsed since manufactured housing’s 1998 high of 372,000+ homes, many professionals from those heady days have:

  • gone into other work,
  • retired, or
  • have moved on to their eternal reward.

2016 facts above. Even though many may see the potential to hit 300,000 or 400,000 or even 500,000 annual shipments in a sustainable fashion, that will only occur when systemic changes are made by serious manufactured home players on the local and regional levels.

We have a new generation – including owners and management – many of whom have never personally experienced high volume before.  Many of those need coaching by those who have seen it, done it and are still doing it.

Hooked on MH’s Version of Cocaine?

There are some who think that only bad lending can get manufactured home sales volume back up.

Some think the industry is addicted to bad lending, and that only unsustainable loans can lead the industry to higher volume.

While it is true that loose credit was a driver for tens or hundreds of thousands of MH sales back in the roar of the 1990s – until the MH Industry’s financing collapse by the early 2000s – its false to believe that only “loose” lending can return the industry to previous greatness.


Bad, unsustainable loans is analogous to setting the industry’s house on fire. We can prosper with sustainable, good lending.

Just look at the shipment graphic above again.  The industry did over 200,000 new home shipments for years after the HUD Code was enacted, with lenders and others that all made a profit.  It was in the 1980s that yours truly entered manufactured home sales, and so this writer can tell you first hand that those like us did our part to help millions become home owners, most of them happy with their choice.

GoodSustainableManufacturedHomeLendingLeadsMutualVictoriesMastheadIndustryCommentaryManufacturedHomeProfessionalNewsMHProNewsIndustry professionals largely realize that life is about mutual victories.

  • The customer/resident must win,
  • the seller must benefit,
  • service providers must profit,
  • and when there are loans, then that lending must be sustainable, and profitable.

Fears of a repeat of the late 1990s and early 2000s are part of the excuse that the Government Sponsored Enterprises (GSEs) – rightly or wrongly – use to not move into chattel loans, or that’s causing them to do so tepidly.

The GSEs management that’s taken the time with our industry believe in our HUD Code home product! But they want to make sure that their loans perform.

When loans perform and make buying a home realistic, everyone in the mix can in theory, win.  This is where HUD Secretary, Dr. Ben Carson’s point about home ownership leading to wealth building makes sense.

Association Whispers to MHProNews

As important as national associations can be, state associations are important too.  State associations are in their own way closer to the front line where congressmen and senators live in their districts/state.

State and community association members are the ones who vote for and/or support a legislator.

Yes, national associations can engage any congressional representative or senator too. But at the end of the day, someone back in that elected official’s district ought to be in the mix.

So, we find the insights from the states to be as interesting and relevant as those from a national association. Each one needs the other.


State and Community Executives deserve more attention. While national associations meet with D.C. based regulators, policy advocates, Congressional staff or members, it’s the state and community associations and their members who are the “boots on the ground” that are key to making it happen. MHEC Logo, their property, shown here under fair use guidelines.

What the state association execs often say off the radar isn’t what you’d hear at an MHI meeting being said out loud. While some at the state level are happy, a number have several unaddressed concerns.

Facts Matter

CautionSlippingManufacturedHousnigIndustryNewsDailyBuisnessNewsWe’ve identified that there are states that are still flat, rising very modestly or are shrinking in sales.

We’ve identified the fact that MH rental housing – destined for manufactured home REITs or other land-lease communities that want a faster fill than sales previously gave them – has a narrow window.  Depending on who you listen to, the heavy-orders from communities may last roughly 5 years (+/-). After that, they will tend to drop off (there will always be a level of replacement sales).

So, filling spaces in higher vacancy properties has driven part of the shipment rise.

There are a limited number of independent retailers, as a result of the wipe-out between 1998 and 2011.

Factories are telling us they could be doing more, opening more plants, etc., but the lack of enough solid independent retailers are part of their challenge.

Factories also tell us that they compete for labor too, much as the stick builders do.

Then there’s the biggest challenge of all, misunderstandings about our industry’s products and services.

Tied in with those misunderstandings are zoning, regulatory or other issues.  Enforcing the “enhanced preemption” of the Manufactured Housing Improvement Act of 2000 would be huge for almost every market where a HUD Code home could fit.

Getting our industry’s lending ‘closer’ to site built lending is desirable, but realistically, numerous locations have proven they can grow with precisely the lending we have today.



Part of the lending solution must include proper appraisals. We should note that one client firm in MH finance is telling us they’re growing at about double the rate of the industry at large.  They are doing that with good credit customers.

Other clients are growing at double – or more – the rate of the industry at large.  They’re doing so selling upscale homes.  Entry level housing is great and necessary, but HUDs could always “own” that market.  They are also often the hardest buyers to finance.


See the story and videos, click the image above or the link here.

So, one key to growth are those well-qualified, site-built buyers, who want to own for lower costs.  We in MHVille could own much of the housing market under $200,000.


NAR stats reveal that over 90% of their buyers get approved. NAHB, NAR and MH Industry statistics on new manufactured home sales compared to existing home resales and new home starts. Still from a slide from Tuesdays With Tony webinar.

We’ve worked with and talked to enough real estate agents who get it, site builders who get it, and industry pros who learn it and do it to know that these are not pipe dreams.  They are occurring today, in the real world.

Amazon, Google, Exporters, and Factory Built Homes

Apple, Amazon, Google, Facebook, are just some examples of giant firms that could swoop in and change HUD Code manufactured housing overnight. The same is true of giant hedge funds, some of which are already invested in MH.  Learn more, click here.

There are those looking at:

that wonder…

What would happen if those cash-rich, tech giants entered the factory-built housing field directly and/or via acquisitions?

Don’t forget, Berkshire-Hathaway came into MHVille one day, and 14 years later, they’re number one in several categories.

There are overseas, Canadian and domestic investors who have stepped into the MHC sphere, and we’ve watched MHC property values go up through supply and demand.

Then there are overseas producers of factory-built housing that are testing the American market. We hear from them directly. Don’t forget, there are HUD Code homes that have been built in Mexico!  Believe the following.

We can see low-cost mods being shipped to the states someday.  They may come from China, Vietnam, the Philippines, Japan, Korea, etc. Container housing is just the tip of the spear.

Finally, our brethren in the modular housing field are busy, busy in smart ways.  Look at what they’re doing, linked here – ICYMI.

So, there’s a huge need for affordable homes, that HUD Code manufactured housing can uniquely fill.  MOD builders want slices from that pie too.


There are also a variety of pressures, road-blocks and threats, including that of self-limiting thinking.

Those tech giants – like our president – think big.  Those deep-pocket investors, think big. Those overseas producers of factory built housing, they see the U.S. market and are salivating.


This is Your Wake-Up Call

Yes, the industry is recovering, thankfully so.


2016 finished over 81,100 new HUD Code homes shipped.  That’s a steady recovery. But some agree with the Masthead that MH ought to be doing half-a-million a year in annual shipments. Why are we struggling along with sub-100,000 shipments?

While we celebrate that recovery – which so many, including ourselves and others we’ve worked alongside and in conjunction with – ought not kid ourselves either.  Manufactured housing is still stuck in low gear. The threats – and opportunities – outlined above are only some of the ones that we hear and know about.

Third-party reports and professionals – from outside of our industry – often tell me or publish articles that reflect how surprised they are that our industry doesn’t do better.


So, when Frank Rolfe says that part of what holds our industry back, is often the industry itself, that’s a fact.

When MHARR tells us they think the industry could be doing hundreds of thousands of new home shipments a year, that’s a fact.

Numerous industry pros – MHI, MHARR, non-aligned – have said, over the years on our pages – similarly in their own words.

We in MHVille, we in HUD Code manufactured housing, ought to be roaring, not snoring.


Image credit, Pinterest.

It All Starts Up Stairs

The first battle is one of the mind.  It is understanding what our manufactured home industry’s true potential is, and not limit our own thinking. The Donald Trump quotes, or the Mickey Mantle quote, just fit.


We should not personally allow ourselves to be Cooked in a Squat.


No one would accuse President Donald Trump of being a bland color. Image credit, Frugal Entrepeneur.

Once we get to seeing that hundreds of thousands of new HUD Code home shipments a year are possible – sustainably, ethically – that translates into millions of dollars more in sales in a market(s) like yours.

Collectively it’s tens of billions a year that could be achieved in short order, and in a trillion-dollar housing market, it is no exaggeration to say that our MH Industry could – on paper – evolve from being a boutique business now to becoming a trillion dollar a year industry.

Autos do so, why not us in MH?

The opportunities here in the U.S. are just that big.

But they will never take place with backward, or self-limiting, thinking.

This brief outline broadly lays out the SWOT reality in objective terms.

Growth starts in your mind, at your location(s), in your part of the industry.

Everything else are details and commentary.

We’ll dig into those details more in the days ahead. ##

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


L. A. ‘Tony’ Kovach caricature.

By L. A. ‘Tony’ Kovach.

Publisher | Consultant | Service Provider | Award-Winning Industry Veteran |
LifeStyle Factory Homes, LLC – dba |




Implementing Inspirational Dissatisfaction

May 31st, 2017 No comments

It’s human nature. We all have something – personal, professional, social, spiritual, political – we wish would change for the better.

Wishing and hoping are not strategies. But dissatisfaction – when it is Inspirational –  can lead us to change.


When someone keeps doing the same things, the same way, expect the same results.

Today, think about something that creates inspirational dissatisfaction for you, or your team/operation.

Denying the existence of the brick wall in front of you isn’t a solution. Until one acknowledges the wall, understands it, and then considers the options to go over, under, around or through that wall – no progress is possible.


Manufactured housing is about 1/2 of 1% of current annual U.S. housing in dollar volume. The industry has hit totals 4 times higher in the 90s. In the early 70s, the industry was about 6x the current volume. Automotive sold 17 million units in 2016. RVs sold 430,691 in 2016. 5,250,000 existing homes were sold in 2015. Why did MH only do 81,100 homes in 2016? Zig Ziglar might have said, too many are ‘cooked in a squat.’ The opportunities are there. Be inspired to overcome the challenges, because arguably nothing offers more potential today than a proper implementation of the affordable housing solution provided by today’s manufactured homes.

Then remember. The power in electricity exists precisely because of positive and negative polarity. Without connecting to both the good and the problematic – there is no power. If we only look at good stuff, or we only look at bad stuff – no power.

Electricity’s positive and negative polarity are an inspiring metaphor for implementing change in your professional life.


“Develop inspirational dissatisfaction. Rearrange your attitudes and convert a failure of one day into success on another.” – W. Clement Stone.

Leaders grasp nettles.

We’ll end where we began.  We all have things we want to see, changed. Start today to turn some frustration, disappointment, hope or dream into inspirational dissatisfaction. ##

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L. A. ‘Tony’ Kovach caricature.


L. A. ‘Tony’ Kovach||
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Whether you think you can or whether you think you can’t, you’re right. – Henry Ford