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Only 3 Options – the Elephant in the Room

June 19th, 2018 No comments

Only3OptionsTheElephantIntheRoomManufacturedHousingIndustryDailyBusinessNewsMHProNews

A) In manufactured housing production, the elephant in the room is Clayton Homes. They are owned by Berkshire Hathaway, which also owns the 2 largest industry lenders, 21st Mortgage and Vanderbilt Mortgage and Finance (VMF). Berkshire also owns a large stake in the industry’s third largest single family manufactured home loan lender, Wells Fargo.

There are only three (3) options on the following topic. The Berkshire owned manufactured housing brands either:

1)     know very specifically what must happen to grow manufactured housing sales up to the industry’s sustainable potential, which some estimate to be between half a million and a million HUD Code manufactured homes (MH) annually.

2)     The Berkshire brands in MH don’t know what must occur to grow the industry to reach its potential.

3)     Some point on the spectrum between numbers 1 and 2 above.

That’s about 150 words. The rest are details and commentary.

 

B) Arguably, any of the 3 positions above ought to be alarming to the vast majority of the industry’s independents. Why?

The case has be made by voices inside and outside of MHVille, that the Warren Buffett led Berkshire brands in MHVille dominate the Manufactured Housing Institute (MHI).

While he’s been silent in recent months, MH Communities pro Frank Rolfe was among the industry’s professionals who blasted MHI and their “hypocrisy” and failed “leadership” in defense or promotion of the MHIndustry.

Marty Lavin, a MHI award-winner, said on-the-record that MHI only works for the interests of the big boys.” Lavin added that MHI only work for the interests of smaller companies if they happen to align with the interests of “the big boys.”

The Manufactured Housing Association for Regulatory Reform (MHARR) was cited by the Washington Post (WaPo) as having been the driving force for the removal of Pam Danner at HUD. MHI‘s EVP Lesli Gooch specifically told WaPo they took no part in removing Danner. Why not?

We could outline other examples, on the Duty to Serve (DTS), DOE and the energy rule, or how Pam Danner got her job in the first place. MHI has been on the wrong side of numerous issues, plus the execution on other important issues.

The bottom line is that MHI’s track record are seen by several professionals as problematic, save for the consolidation of smaller companies into the hands of larger ones. That’s about 275 words. The rest are details and commentary.

 

C) So in about 400 words above, a case has been outlined. Logic and evidence-based concerns, plus common-sense reveals why the Berkshire brands and MHI arguably should not be trusted by the vast majority of MHVille independents. The rest are details and commentary.  We’ll invite them again to debate this publicly via video.  If we were wrong, why don’t they take us up on that invite and prove us wrong?

 

D) State communities associations have broken away from MHI. They are in the process of formalizing the launch of an independent manufactured home national communities association.

Those MH Communities have split because they lost confidence in MHI representing their interests. The rest are details and commentary.

 

E) Smoking Gun 3 documented and outlined how 21st Mortgage questionably pulled-back on lending to MH Independents in 2009. Hundreds of retailers folded afterwards.

As a result, a number of HUD Code manufactured home producers either failed, or were absorbed by Clayton.  Some where absorbed by Cavco, which is led by a former Clayton division president. Skyline Champion recently combined. Now 80 percent of the industry’s production is in the hands of those three vertically integrated firms.

The rest are details and commentary.

 

F) Manufactured housing is increasingly being recognized as the affordable housing solution that is hiding in plain sight. MHLivingNews touted that theme years ago. Others in media have been picking up on that very theme. Coincidence?

There is a need for 8.3 million affordable housing units in America today. It can only be provided cost-effectively by some form of factory building. HUD Code manufactured homes are the most affordable solution today.

 

G) Even though Clayton and MHI each have marketing and PR people, they have routinely allowed bad news stories that unjustly harm the industry’s image to go unaddressed. They have done so for years. 21st Mortgage CEO Tim Williams, the prior MHI Chairman, admitted on-the-record that the case could be made that every unfair story about MH should get addressed. Frank Rolfe has said similarly.

The above is about 700 words total to say that MHI and Berkshire may not cause every bad news story in MHVille, but they fail to address the majority of them.

The upshot? Limited new home sales and more Consolidation. See what award-winning Alan Amy said about that in the video.

 

H) The MH Communities sector recognized their need for independent representation. Retailers and others in the post production sector arguably need representation do too. MHARR is clearly representing the interests of the industry’s independent producers, as WaPo, the SBA, George Washington University and other third-party sources reflect.

 

I) Is there any reason why the Berkshire brands couldn’t repeat what they did in 2009? Shouldn’t every independent operator realize that they have a symbolic target on their head?

The rest are details and commentary.

 

J) Thanks to our supporters, we planned ahead years ago by creating the industry’s first and premier pro-industry educational platform with MHLivingNews.com.

MHProNews was a key part of the rebirth of the Louisville Show, as everyone in show management at the time said on camera and/or in writing.

We’ve proven our ability to get into mainstream media, such as Washington D.C.’s The Hill. Or consider often-referenced by others in media, Value Penguin, which ranks among the top 2 percent of all websites in America. Value Penguin dwarfs anything in MHVille for traffic.

 

K) We and those that support our efforts know what must be done to remove the shackles that have hobbled manufactured housing for years. Information and understanding are the First Phase.

Armed with evidence and reason, we are at the cusp of starting Phase 2.

The details and next steps will follow in the days ahead. Stay tuned, and sign up for our industry leading emailed headline news updates. From the biggest names in MHVille, to the mom-and pops, and thousands in between, we continue to lead the industry in readership. The reasons include insights like those above.

How do you eat an elephant? One bite at a time. ## (News, analysis and commentary.)

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

Related Reports:

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

NorthStar and Manufactured Housing Radix

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

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Publisher and industry consultant, L. A. “Tony” Kovach.

By L.A. “Tony” Kovach – Masthead commentary, for MHProNews.com.

Tony is the multiple award-winning managing member of LifeStyle Factory Homes, LLC, the parent company to MHProNews, and MHLivingNews.com.

Office 863-213-4090 |Connect on LinkedIn:
http://www.linkedin.com/in/latonykovach

Sign Up Today!EmailedMHProNewsHeadlineNewsDailyBusinessNews

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

S 2155, Manufactured Housing,“Economic Growth, Regulatory Relief, and Consumer Protection Act” Back Story

May 22nd, 2018 No comments

S2155ManufacturedHousingEconomicGrowthRegulatoryReliefConsumerProtectionActBackStoryMastheadMHProNews

S. 2155 is poised to pass the House today.  It’s styled “Economic Growth, Regulatory Relief, and Consumer Protection Act.”

 

Should the bill pass – and Skopos Labs/GovTrack say there is a 56 percent chance of enactment – then the following is what you can expect from the Arlington, VA based national manufactured housing association and their surrogates.

Based upon her promises, this bill would not have been signed by Hillary Clinton. So MHI – which put two pro-Clinton speakers on their Chicago stage days before the 2016 election – has no room to crow. Rather, they should be grateful to those in the industry who promoted a president who would sign such a measure.

There is a 100 percent chance of celebration and back slapping by the Manufactured Housing Institute (MHI).  I don’t blame them, it’s natural.

But there’s a back story.  MHI don’t want the focus to be on the back story.

Indeed, as a matter of record, repeal of the onerous MLO rule is one MHProNews has supported for years.

In spite of what some consumer groups claim, the MLO repeal provision only levels the playing field for manufactured home retailers and communities. It allows them to do what real estate agents can already do. We supported both legs of the original bill, so logically, we supported each one too.

S2155ManufactuerdHousingINdustryMastheadAnalysisMHProNews

Whatever happens on this bill, there is going to be overhang from progressives, unless the case – especially for manufactured housing – is properly made as to why this bill was positive for consumers and industry alike.

 

“Tony, What’s the Beef?”

We’ve had some pros – skimmers, not readers – who’ve asked why we don’t support the bill. We have supported the measure, and did for years.

Our “beef” – as one writer put it – has been that MHI spiked this MLO-only deal years ago.

If the MLO rule is OK now, why wasn’t it OK then?

Mark my words.  MHI wanted to do this, because they and their puppet masters were desperate to be able to claim a victory on anything of substance.

Mark my words. MHI and their puppet masters are feeling the heat.

MSM = Mainstream Media

Once more, the mainstream media (MSM) has numerous reports and commentaries coming out just before the House vote.  They are slamming the measure, slamming Clayton Homes, and Berkshire Hathaway’s MHI association mouthpiece.

Part of the point is that even when they ‘succeed:’

  • the manufactured housing industry must remember this could have been done years ago, as the Daily Business News exclusively reported.
  • Clayton and their Berkshire lending brands were winning either way. They benefited if S 2155 and/or Preserving Access passed or not. This is a nuanced but critical point to understand, long after 2155 is forgotten. An MHI insider first told me about that insight, and then another did. It was MHI types that explained that the big companies benefit regardless if MHI backed bills pass, or not.  Burn that one into your mind, it frankly took me time to get it. But once that sank in, it became an eye-popping insight.

 

Look at this MHI Pattern

LesliGoochforCongressManufacturedHousingInstituteMHISVPGovtAffairsRelationsManufacturedHousingIndustryCommentaryMastheadDailyBuisnessNewsMHProNews

Lesli Gooch, blast from her past…

MHI’s EVP Lesli Gooch proudly told the Washington Post they did not weigh in on the removal of Pam Danner.

Recall, that MHI was on the wrong side of the DOE energy rule, until pressure from this publication, MHARR, the SBA and others made them switch course.

We could go on and on like the above. But the bottom line is simple, and tragic.

Independents who are paying dues to the Manufactured Housing Institute (MHI) are arguably paying to feed the hand that bites and fails them.

There are reasons why state associations and others have dropped their MHI membership.

 

Pulling the Head Out…

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Some don’t want to hear what they might consider to be ‘bad’ or ‘negative’ news. Reality is.  Hiding a head in the sand has never solved a problem. Image Credit WikiCommons, Dilbert.

There are some MHI loyalists who think we’re just sore because MHI gave us the boot. Hardly, that’s reversed.  MHI gave us the boot because they didn’t know how to deal with all the myriad of revelations we were publishing about their ‘alleged’ favoritism, failures, and flaws.

All of that has cost the industry, IMHO, billions of dollars a year in new home sales.  That in turn has cost manufactured home owners, billions of dollars in higher resale values.

It is time for more in the industry to dig deeply.

It is time to pull the head out of the sand, and look.

As a closing thought, please note that not everything about MHI, not everything about Berkshire Hathaway draws our concerns. We strive to be objective.

The best example is from Monday.  Please check that article out.  We give credit where it is due, period. We are evidence, reason, and fact-based. We are pro-industry.  We’re not against big-business.  We are against big business that behaves in monopolistic, crony capitalists, or otherwise behave in unethical ways.

See the first take on MHARR’s related report, linked above.  Enough said for today. ## (News, analysis and commentary.)

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

UPDATE 6:27 PM ET.  As expected the bill has passed. Let’s see how the prediction above plays out.  Details of the passage are found at the link below.

Related Reports:

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

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

 

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Publisher and industry consultant, L. A. “Tony” Kovach.

By L.A. “Tony” Kovach – Masthead commentary, for MHProNews.com.

Tony is the multiple award-winning managing member of LifeStyle Factory Homes, LLC, the parent company to MHProNews, and MHLivingNews.com.

Office 863-213-4090 |Connect on LinkedIn:
http://www.linkedin.com/in/latonykovach

Sign Up Today!EmailedMHProNewsHeadlineNewsDailyBusinessNews

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

 

HUD Secretary Carson, Advocacy Groups, Politicos, & Manufactured Housing Shock

April 7th, 2018 No comments

 HUDSecBenCarsonAdvocayGroupsPoliticosManufacturedHousingIndustryShockMastheadManufacturedHomeIndustryCommentaryMHProNews

Affordable housing, including manufactured homes, is not a partisan issue.

 

At least, it shouldn’t be.

When HUD Secretary Ben Carson, M.D., and Senator Thom Tillis (R-NC) shared the brief exchange below, there was an energy in Carson’s words.

 

 

It’s an energy – “a shock” – that many have experienced over the years when it comes to the surprising realities vs. the unjust, troubled stigmas attached to manufactured homes.

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

 So, why aren’t their more such moments of positive shocks for the manufactured home industry?

 Let’s look at the facts for some clues.

  

MH Cohesion?

Whenever the manufactured housing (MH) industry acted in a rational, and cohesive fashion, it has routinely been able to accomplish in Congress what it needed to do.

That’s true because at its heart, the MH industry has a great, and non-partisan story.

That’s what a dispassionate look at the periodic history of the industry reveals.

For example,

      in 1974, when the HUD Code was first passed into law.

      Or in 2000, when the Manufactured Housing Improvement Act (MHIA) was passed.

      And again in 2008, when the Duty to Serve (DTS) Manufactured Housing was passed as part of the Housing and Economic Recovery Act (HERA).

So when the industry acts cohesively it succeeds. So, why doesn’t it do so more often?

 

Big and Small…

Since before the founding of what today is called the Manufactured Housing Association for Regulatory Reform (MHARR), there’s long been a split between larger and smaller “independent” producers of HUD Code manufactured homes.

MHARR was a breakaway from the body that today is known as the Manufactured Housing Institute (MHI). MHARR was created precisely because of those differing points of view between bigger and smaller producers of federally regulated HUD Code manufactured homes.

  

“Consumer Groups” and Manufactured Housing 

In several states, there are manufactured home consumer groups that emerged some years ago.

While “resident groups” engage on issues such as finance, those residents/manufactured home owner associations tend to focus on issues relating to land lease communities. 

In California, there tends to be fast and hard lines between the MH Industry and resident groups. 

Meanwhile, in places such as Ohio and Florida, those state MH Industry trade associations have at times meet and worked successfully with resident groups on key issues.

  

Non-Profits, Advocacy, and Manufactured Housing

Foundations and nonprofit groups have a history of positive interest in manufactured housing dating back at least some two decades. 

For example, as a Daily Business News yesterday reported, CFED – which rebranded as Prosperity Now – is largely a serious and positive advocate for manufactured homes. 

 

ManufacturedHousingTopTenTruthsCFEDManufacturedHousingIndustryDailyBusinessNewsMHProNews500

For years, CFED/Prosperity Now worked on projects that taken as a whole, promote manufactured homes as a tool for personal wealth building, especially for minorities, and lower income Americans of all ethnic groups.

 

CFED/Prosperity Now research has produced reams of documentation that arguably ought to be done by the Manufactured Housing Institute (MHI).

 ManufacturedHousingTopTenTruthsImHomeInnovationsinManufacturedHomesDailyBusinessNewsMHProNews5-10-600

 

Based upon their overall positive work advocating for manufactured homes, it’s a little baffling for outsiders looking in to see conflict between MHI and Prosperity Now.

But conflicts do exist between MHI and Prosperity Now, on issues that include land lease communities, but also on financing. Prosperity Now has been a loud opponent to the Preserving Access to Manufactured Housing Act. 

 

Like them or not, consider for a moment the perspective of Prosperity Now on these two issues: 

      the issues of “insecurity” for residents in land lease communities,

      and MHI’s position – notably on higher points and fees that benefits primarily the Berkshire Hathaway owned manufactured home lenders.

Absent those two bullets, Prosperity Now should be seen by the vast majority of industry pros as a strong advocate for manufactured housing.

So why hasn’t MHI – the industry’s self-proclaimed “umbrella” and “post-productionassociation – found a way to work directly with Prosperity Now, when Ohio and Florida have found ways to work with their resident groups? Fair question, right?

So for any who believe that it is only MHI and MHARR alone who ‘can’t get along,’ they are mistaken or misinformed.

 

MHI, MHARR and Consumer Groups

This writer, while an MHI member – perhaps naively – attempted for years to get MHI and MHARR to work together.

MHI's New CEO, Dick Jennison

This was one of the photos taken by MHProNews, reflecting routine behind the scenes effort some years ago to get MHI and MHARR to work more closely together. Richard Dick Jennison, MHI President and CEO, left, Mark Weiss, J.D., MHARR President and CEO, right.

The photo taken by MHProNews of Dick Jennison and Mark Weiss, J.D., shaking hands was just one tiny example symbolic of that effort.

MHI in meetings has reportedly told their members that the consumer groups “can not be reasoned with.”  

Something similar has been said in MHI meetings about MHARR. One elected executive committee member stood at an MHI meeting a few years ago, and proclaimed that the “elephant in the room” was MHARR’s then president, Danny Ghorbani.

Yet as noted above, history shows that MHI and MHARR have achieved good things when they pulled together. 

MHARR seems to have a better working relationship with the resident group, NMHOA than MHI does. 

We’ll pose a question that we will leave dangling for now.

Why is it that MHI can get along with MHARR, but only at times? 

 

Yet for most of the the past 20 years (+/-), the two are at odds, because one association arguably favors larger players, while the other fights for the rights of smaller, independent companies.

It’s against that backdrop of more tension than cohesion that the following undisputed facts ought to be considered. MHI hired a man a few years ago, part of who’s de facto job description was to recruit MHARR members into MHI.

Clayton and Cavco have in recent years both purchased companies that are MHARR members.

Is the trajectory of MHI’s and their larger members’ efforts to eliminate MHARR?

 80PercentClaytonChampionSkylineCavcoMastheadBlogManufacturedHousingIndustryConsolidation

 

Dr. Carson, HUD, and Manufactured Housing

It is against that brief history that Secretary Carson must consider the internal political minefield of manufactured housing.

On the one hand, manufactured homes are just as “amazing” as Dr. Carson said.

The regulations and “guidance,” most notably during the Pam Danner era, have been just as “ridiculous” as Secretary Carson told that Senate oversight hearing, as the video above attests.

If MHI wanted to get along with the industry voices that don’t agree with them 100 percent of the time, logically the Arlington based group would only need to do is what it did at times when cohesion existed.  Namely?

Listen, understand, and compromise.

MHI can posture beautifully, but it is their actions – not words alone – that must be the focus.  Their members are buying up, and they are actively recruiting MHARR members.

There are MHARR members, and some in MHI, that believe that Pam Danner came to be HUD’s MH program administrator as part of a specific MHI team member’s efforts.  If so, that means those  “ridiculous” excesses are courtesy of one or more MHI staffer’s efforts.

Since: 

   Danner was removed from the program a few weeks ago

   Lois Starkey was dismissed from HUD,

   and Danner’s overzealous and “ridiculous” regulatory burdens were put on hold by Carson and the Trump Administration,

an opportunity for a new beginning exists. What will happen next?

 

Absent trust and cohesion between

      MHI and MHARR, or between

      MHI and nonprofit Consumer Groups,

several risks exist.

 

Widely Recognized Fact

In finance, or production, in or out of manufactured housing, there is a simple principle at work.

The heavier the regulations, the harder it is for smaller companies to compete against larger ones.  The following third-party research illustrates the point.

NationalAssocManufacturersNAMCostForComplianceMastheadManufacturedHomeIndustryBlogDailyBusinessNewsMHProNews

 

While MHARR was audibly protesting Danner’s work – and sought her removal from the MH program – by contrast, MHI went through various gyrations that did all — save ask for Danner’s removal.  Odd?  Or shadow boxing?

Let’s consider that as consistent with MHI’s apparent and alleged goal of acting in ways that are more burdensome for smaller companies (see Related Reports, linked at the end, below).

This is why CFED’s Doug Ryan accused Berkshire Hathaway (BH) of having monopoly power in manufactured housing over financing. While MHI all too often fails to respond to negative media, in that case their SVP Lesli Gooch leapt to respond and defend Berkshire brands in manufactured housing. By doing so, the Arlington association reflected anew who’s interests there dominate.  Yet the fact remains, that 3 of the 3 largest MH lenders are owned outright by BH – 21st Mortgage Corp and Vanderbilt Mortgage and Finance (VMF), or they have a large stake in their company (Wells Fargo).

DougRyanCFED-MHI2016CongressExpo-ManufacturedHousingIndustryNews-MHProNews

Doug Ryan, CFED/Prosperity Now, credit MHProNews. 

When Democratic Congressional reps target Berkshire Hathaway and MHI – also using the words “near monopoly” – it should make CFPB, more in Congress, leadership at HUD and others in the Trump Administration stop and think.

Nonprofits, President Trump, and political voices across the left-right divide are calling “foul” with regard to giant companies dominating and pushing around smaller ones.  

From as far left as the Nation to as far right as Breitbart, the issue of monopoly has been raised. The Nation specifically cited Warren Buffett’s Berkshire Hathaway and Clayton Homes. 

It’s no secret that Buffett opposed Trump in 2016, by strongly supporting the candidate – Secretary Hillary Clinton – who favored the continued use of heavy regulations.

How many see various movements at work nationally, and in the halls of Washington, D.C.?

 

It’s Not a Vote…

The fact that many inside and outside of manufactured housing have raised similar concerns and issues about monopolistic power ought to be carefully considered by members of Congress and the Trump Administration.

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Pam Danner, addressing MHI members. Photo credit, MHProNews.

MHI SVP Gooch’s Regulatory Comments Letter to HUD in January were overall good.  But oddly, Gooch failed to mention:

  • who will replace Danner?
  • And what about the harm already done by Danner’s leadership to smaller independents? 
  • Or why did MHI stand mute for years, and promoted Danner on various association event stages?

 

Reenergize?

Secretary Carson and the HUD team have a unique opportunity to reenergize the “amazing” manufactured housing industry in several ways.

The next steps taken at HUD and beyond could tell us who understands the fact that

  • with robust competition,
  • and unleashing the private sector,
  • that HUD could over time do exactly what Senator Tillis and the nonprofits alike suggested.  Save tax dollars by liberating private sector produced manufactured homes. That, argued Tillis, will allow more dollars to be used for others that need a hand up.

That would achieve some of what advocacy groups desire: raising more people out of poverty using modern manufactured homes.

Save tax dollars, give more people a leg up. Learn more in the related research reports, linked below. ## (News, analysis and commentary.) (Third party images are provided under fair use guidelines.) 

Related Reports:

“Move, Open, Live” De Rose Industries & Senator Thom Tillis’ Mobile Home Comments

“Kevin…the Problem of Your Industry…”

MHI Lender Shakes Up DTS and MLO Rule Discussions

 

FactoryBuiltCarsClothingAppliancesElectronicsCellsSmartPhonesHomesItJustFollowsLATonyKovachC2017MHproNewsBy L.A. “Tony” Kovach – Masthead commentary, for MHProNews.com.

Tony is the multiple award-winning managing member of LifeStyle Factory Homes, LLC, the parent company to MHProNews, and MHLivingNews.com.

Office 863-213-4090 |Connect on LinkedIn:
http://www.linkedin.com/in/latonykovach

Sign Up Today!EmailedMHProNewsHeadlineNewsDailyBusinessNews

Click here to sign up in 5 seconds for the manufactured home industry’s leading – and still growing – emailed headline news updates. You’ll see in the first issue or two why big, medium and ‘mom-and-pop’ professionals are reading these headline news items by the thousands. These are typically delivered twice weekly to your in box.

“Dark Money” “Conflicts” – Warren Buffett, Kevin Clayton, Urban Institute, Manufactured Housing Institute, Affordable Housing Report Revelations

February 3rd, 2018 No comments

 

DarkMoneyKevinClaytonWarrenBuffettMastheadManufacturedHousingIndustryMHProNews550

 

Buying into the manufactured housing industry today is like buying a stock that is significantly undervalued.

That’s what many believe. Count the Masthead’s industry veteran’s author among them. Buying into manufactured housing now is like buying a stock that is significantly undervalued, and is potentially poised for serious growth.

 

The odds are good to great that everyone reading this has:

  • an interest in manufactured housing, and
  • believes manufactured homes could play an important part of the solution for America’s growing affordable housing crisis.

We believe that too.

Those in the industry, investors, media, public officials, advocates, and researchers all have viewpoints, and many have questions.

While it would take time to ramp up to 500,000 or 1 million new manufactured homes a year, it’s doable with the correct resources, plus the kind of long-term commitment that Warren Buffett’s Berkshire Hathaway brands – along with other success stories in the industry – have achieved.

NewManufacturedHousing1trillion9PercentNew1percentExistingHomeSales2016CreditManufacturedHousingIndustryMHProNews

 

With savvy millionaire and billionaire believers in the HUD Code regulated manufactured home industry, why is the industry seriously underperforming?

That’s a question that the Urban Institute posed in a new report.  With four co-authors, the report makes some interesting, questionable and meh points.  It arguably failed to address several important points.

But what the Urban Institute (UI) obviously failed to do was hide apparent conflicts of interest, which went undisclosed in their reporting.

2018-02-02_1630UrbanInstituteManufacturedHousingIndustryAffordableHousingCrisisReportMastheadBlogDailyBusinessNewsMHProNews

One of those conflicts is ‘hiding in plain sight.’

 

Warren Buffett, “Lifetime Trustee” of the Urban Institute (UI)

InfographicSeeHowDarkMoneyFlowsBetwenNonProfitsOpenSecretsMastheadManufacturedHousingIndustryMHProNewsThey could claim at UI that the disclosure exists on their website, because Warren Buffett is listed as a Lifetime Trustee of the Urban Institute.

Buffett’s given billions to the Bill and Melinda Gates Foundation, which has paid millions to the Urban Institute. That’s how, says Open Secrets, so-called “Dark Money” flows.

While that dark money is often noted for political uses, it can clearly be used for research that in turn influences media, politics, business, advocacy, public officials, investments, and more.

So when four different co-authors at Urban Institute delve into a topic that so directly involves an interested party, one would think that one or more of those four would want to disclose that in their report itself, or as a footnote?  That’s what non-profit researchers are supposed to do.

 

ConflictsOfInterestGoogleMastheadManufacturedHouisngIndsutryDailyBusinessNewsMHProNews

Conflicts of Interest = COI.

 

Instead of disclosure, instead of full transparency, the opposite occurred with UI and their report.

According to sources who claim knowledge about the research at the Urban Institute, the report writers’ promised anonymity to an association and corporate interests who ‘vetted’ their research report.

Pardon me?

A manufactured home, built by Clayton Homes, is the report’s featured image. What were they thinking at UI?

And doesn’t that make their research at least appear to be at COI, and not much more than a higher class of one of MHI’s controversial paid advertorials?

 

Conflicts of Interest – COI

According to the facts presented, and uncovered to date, it implies the report has Berkshire Hathaway, Clayton Homes, 21st Mortgage, and the Manufactured Housing Institute’s finger prints all over it.

See the flash Daily Business News initial report, linked below.

 

“Follow the Money” – Controversial Urban Institute Report on Manufactured Housing

 

One need not be an attorney, journalist, or researcher to realize that it all smells of conflicts of interest.  While this writer isn’t an attorney, one concurred with our assessment. As with all of our reports, fisking, fact-checks, commentary and analysis, we encourage readers to do their own homework, and see for themselves.

That said, why where those apparent conflicts of interest not disclosed?

 

Begging the Questions…

That clear lack of transparency begs several questions.

  • Why not disclose their respective interests and involvements?
  • Who benefits from the UI report on manufactured housing?
  • What does the report steer people to look at, as they ponder the manufactured housing industry?
  • What does the report steer people away from looking at, as they research manufactured housing as an important solution for the affordable housing crisis? (Note:  HUD is one of the sources for revenue to UI.  We believe editorially that the Trump Administration and HUD Secretary, Dr. Ben Carson, ought to suspend all such payments throughout the federal government, until the dark money ties and conflicts of interest that are working against the public’s and small businesses are all cleared up.)

 

Non-Profits, Foundations and Manufactured Housing

When the topic of philanthropy was raised in the Kevin Clayton interview video, Kevin himself points to foundations and non-profits that they believe will be important for them.

Clayton’s video interview also points specifically at using manufactured housing as urban infill.

Research is often done by nonprofit organizations.

Reports they create are in turn routinely picked up by media, educators, policy advocates, investors, and government.

When investors with a long-term horizon, as Buffett has, third party research is part of what they study.  Kevin says so, in his own words, in the video.  Kevin also speaks about Buffett’s connections and sources of information.

 

Kevin Clayton Interview-Warren Buffett’s Berkshire Hathaway, Clayton Homes CEO

 

The Kevin Clayton Interview Video is a Road Map in Numerous Ways

The video laces together in Kevin’s own words the concerns and allegations over:

  • monopolistic practices,
  • how vital credit is to the industry,
  • how nonprofits and foundations are important and are part of their plan.

It’s the truth hiding in plain sight.

The Manufactured Housing Institute is a non-profit.

http://mhmarketingsalesmanagement.com/blogs/tonykovach/wp-content/uploads/2018/02/MHIAntiTrustWarningsInstructionsMastheadBlogManufacturedHousingIndustryDailyBusinessNewsMHProNews.png

Ignorance is no excuse. Forewarned is forearmed. MHI members would be wise to review the anti-trust warnings in the light of the reports linked from this page. A copy of those anti-trust warnings are found at this link, or by clicking on the MHI anti-trust warning, above.

NextStep, is at least in part, a non-profit.

So too the RV MH Hall of Fame, and the state associations which Clayton and 21st or other Berkshire Hathaway brands belong to as well.

GoldRulesTimWilliams21stMortgageCorpDailyB-usinessNewsMHProNews

http://www.mhpronews.com/blogs/daily-business-news/how-gold-rules-tim-williams-21st-mortgage-mhi-vp-state-execs-conference-call/

 

The Clayton video interview explains why with sufficient capital, the affordable housing solution indeed ought to include a heavy dose of manufactured homes.

When a non-Berkshire Hathaway, non-MHARR company CEO told MHProNews in Louisville last month that MHI’s work for many years “has made no sense,” that’s true from the vantage point of a non-Berkshire Hathaway brand, or from someone who isn’t part of their insider circle.

Manufactured Housing Institute VP Revealed Important Truths on MHI’s Lobbying, Agenda

MHI board members have during the Richard “Dick” Jennison era complained to MHProNews that that the Arlington, VA based trade group has become a “secret society,” or an “exclusive club” that only a handful actually have any say in governance.

FrankRolfeNegativeArticlesOnIndustryNoCommentbyManufacturedHousingInstituteMHIRVHorizonsMobleHomeUniversityPostedDailyBusinessNewsMHProNews

http://www.mhpronews.com/blogs/daily-business-news/frank-rolfe-blasts-mhi-for-poor-media-engagement-industry-reactions/

If these points, concerns, and allegations prove true, that’s problematic for the industry, and MHI members, on several levels.

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

We will boil it down to its essence.

Facts Matter – Mr. Obama’s “Alternative Universe,” Trump Admin, Investors & Politicized Manufactured Housing Data

We already noted on the Daily Business News that there are two great laws that manufactured housing benefits from.

Understanding these 2 existing federal laws, and having them fully implemented, would be major advances for public officials, those needing affordable housing, housing professionals, and investors.

McCrory Lawsuit – “Significant Victory Against Zoning Discrimination” – Manufactured Homes

Note that preemption was ignored in the Urban Institute report.  Why?

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

We’ve noted that MHARR has raised concerns over the new class of manufactured housing that Clayton dominated MHI is pushing.

Sources at MHI and with Clayton homes told MHProNews that MHI’s public relations person has spent time at Clayton location(s). On MHI’s dime?  How is that fair to the association’s smaller members?

The videos that MHI produced benefit Next Step, a nonprofit that Clayton and MHI are both supporting.

Next Step is also part of the Duty to Serve (DTS) chattel (personal property, Home only lending) financing trials mandated by the 2008 Housing and Recovery Act (HERA).  Do you see the pattern of non-profits being used by Clayton, Berkshire, et al?

Manufactured housing already has enhanced preemption under the law. Why bother with a new class of home?

Harper – Thank You Rev Donald Tye, Fighting for Enhanced Preemption of Manufactured Homes

 

People still incorrectly call a manufactured home a mobile home, even though no mobile homes have been built for over 41 years.  Will a name change work, without education of the public on what manufactured homes are, versus the widespread image of them?  Isn’t it all just shadow boxing?  Making the industry think they are doing something, when they are buying time for more consolidation to take place?

 

Manipulated

The vast majority of the people I’ve met with a Berkshire Hathaway brand, or who are MHI members, are good folks.  We have connections with dozens of them.  Some are sources for MHProNews.

We have not at any time slammed the quality of Clayton’s products.  The vast majority of the folks I’ve met and know from Clayton, 21st, et all are fine people.

Our focus has been and will remain, what holds manufactured housing back? 

It’s the same question that the Urban Institute asked.

Berkshire Hathaway, directly and indirectly through political, regulatory, capital, nonprofits, et al has manipulated and allowed to be depressed the market for manufactured housing. They are doing so in ways that appear to be monopolistic.

Fraud, Class Action, CFPB-Warren Buffett, Berkshire Hathaway, Clayton Homes, Vanderbilt Mortgage & Finance, 21st Mortgage, Manufactured Housing Institute, and the Manufactured Homes Industry

Kevin Clayton has in his own words, dotted those i’s and crossed the t’s, about Buffett hating competition, and instructing the building of “the Moat.”

GoodBusinessStrongCastleMoatAroundItUntouchableWarrenBuffettQuoteMastheadManufacturedHousingIndustryDailyBusinessNewsMHProNews

So too has Warren Buffett.

“Perverse”–Warren Buffett-Dodd-Frank, CFPB, Manufactured Housing, Loans, Independent Businesses Fact Check$

We believe that there is plenty of evidence that the report from an award-winning MHI member to MHProNews was true when he said (paraphrasing), that ‘the big boys have figured out how to get the smaller companies to pay for what the big companies want.’  See that, linked here.

We also believe the pattern is there to support the claims of those past and present MHI members – along with others – who have told MHProNews how they personally have suffered from the monopolistic and other business practices of Clayton Homes, 21st Mortgage, et al.

Killing Off 100s of Independent Manufactured Home Retailers, Production Companies – Tim Williams/21st Mortgage “Smoking Gun” Document 2

 

Recommendations?

The industry’s post-production sector should forge a new trade association, as several have already advocated and are exploring.

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

There needs to be civil, administrative, and criminal inquiries made into these allegations involving MHI and Berkshire Hathaway, et al.

When Buffett, Jeff Bezos, and Jaime Dimon’s announcement earlier this week caused the markets to plunge, it is in the view of some analysts a warning shot across the bow of the Trump Administration.

Buffett, Bezos – Time Announcement to Drop Market Ahead of SOTU? Plus MH Market Update$

If so, that warning shot impacted investors.  No one should be above the law.

Arguably the most harmed are the mom-and-pop retailers and communities, along with any independently owned producer, supplier, or financial services company involved in manufactured housing.

Buffett became the biggest player in manufactured housing in 2003 with his first acquisitions.

Since the Kevin Clayton video interview was originally conducted, Clayton’s footprint in the industry doubled.  He did so using “the Moat,” financing, nonprofits, and other tools Kevin expresses in his own words.  Several of those are the topic of related reports, linked above and below as references.

TonyIWillNotBeTakingQuestionsFromThePressRickRobinsonMHISVPGeneralCounselMastheadMHProNews

There are reasons why Dick Jennison and Rick Robinson both ducked out on questions from a publication that is demonstrated it is pro-industry for years and years.

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

What are they hiding?

Expert’s NWS Statement Reveals Serious Problems in Tornado WARNINGS & Manufactured Housing Safety Data

Why are they even hiding from their members good news that they ought to be spotlighting?

RentVsBuyingHousingAnalysisWhatsBestKenHJohnsonPhDFloridaAtlanticUnivRealEstateEconomics-ManufacturedHomeLivingNews660

MHLivingNews and MHProNews have from the outset documented cases of good news for the manufactured housing industry. Why has MHI routinely failed to spotlight those good news stories for the industry to benefit from?   Learn more about the above at this link here.

 

Parting Takeaways for Today

Honorable, Non-Monopolistic Investors who take a long-term horizon view of manufactured and other forms of factory built housing ought to – and will – dive in.

Current Industry players who aren’t giants are the current best friends of a giant should demand action.

MHI needs to open its books, open its bylaws, and undergo a third-party forensic examination for conflicts of interest. We think there may be good reasons to disband the organization, as hopelessly corrupted (again, that’s not a slam on most members, but all must be aware of potential liability from maintaining their membership).

Fiduciary Responsibility to Corp Shareholders-MH Anti-Trust Concerns; Plus MH Market UPdate$

Berkshire Hathaway ought to face precisely what some have advocated, anti-trust action. That action should not be limited to Warren Buffett and his brands, because what happened last Tuesday was not the first or last time that billions of dollars in wealth could be wiped out by such market machinations.

The time for anti-trust civil, administrative and criminal investigations is long overdue.  Personalities across he political spectrum in and outside of manufactured housing say so.

Maxine Waters Statement, Preserving Access Manufactured Housing Act 2017, Warren Buffett, Clayton Homes

We believe that among the best ways to advance the industry is to expose MHI, and break up Berkshire Hathaway.

Until that happens, millions are being harmed, small business as being forced to sell for less than their value, or have been forced to close.

NothingIsChangedUntilItisChallenged-SoheylaKovachLATonyKovachTamasKovachDonaldTyeJr.575x238

Tony took the photo at the right.

Its an American tragedy.  It’s Dark Money Conflicts that are harming real business people, and everyday Americans.  These are our concerns.  We’ve laid out the facts, and just some of the evidence in the above. Given Kevin Clayton’s own words, plus the links, isn’t it more than enough?  We Provide, You Decide.” © ## (News, analysis, fact checks, commentary.)

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

L. A. “Tony” Kovach is an award winning manufactured housing industry veteran, and is the managing member of LifeStyle Factory Homes, LLC – the parent company to MHLivingNews.com, MHProNews.com and professional service provider to the factory-built housing industry.

Connect on LinkedInhttp://www.linkedin.com/in/latonykovach 

Facts Matter – Mr. Obama’s “Alternative Universe,” Trump Admin, Investors & Politicized Manufactured Housing Data

January 26th, 2018 No comments

FactsmatterFormerPOTUSObamaHUDSecDrBenCarsonPOTUSDonaldJTrumpManufacturedHousingIndustryNewsMHProNews550

Former President Barack Obama recently said something relevant to the nation.  But it was particularly and profoundly insightful to manufactured housing professionals.

According to the Hill,Former President Obama said in an interview that Fox News viewers and NPR listeners are living on different planets in terms of what news they consume.

“If you watch Fox News, you are living on a different planet than you are if you, you know, listen to NPR,” Obama told David Letterman…The former president was referring to how the Russians were able to “exploit” different kinds of U.S. voters, who were “operating in completely different universes.

No matter what you thought of his politics and policies, Mr.’s Obama’s point is salient and timely for Manufactured Housing professionals, Investors, and Advocates.

“Alternative Facts,” “Different Universes” in Manufactured Housing

There have always been those who’ve distorted reality.

But in the 1980s, perhaps one reason Democrats and Republicans could reach more compromises is because there was arguably less of a tendency to completely ignore facts, or one would get called out for it.

You are entitled to your opinion,” quipped Daniel Patrick Moynihan per Goodreads,But you are not entitled to your own facts.”

There are today professionals in and outside of our manufactured home industry that rail against reality.

Many think they know a fact. Or they trust a source, without realizing that the source has changed.

Depending on the source or context, they could be mistaken, because “facts” have been so politicized.

We will use the Manufactured Housing Institute to make our point.

In MHI’s 1.25.2018 “Housing Alert,” one finds the following phrase, quoting:

As the only trade association officially registered to lobby on behalf of the manufactured housing industry in Washington, MHI will continue to work with the Administration’s key housing leaders and Congress…”

For those in the know, the first part of that sentence are code-words aimed against the Manufactured Housing Association for Regulatory Reform (MHARR). So, we asked MHARR to provide their take on MHI’s claim.  Here’s the meat of what they sent to MHProNews, quoting:

MHARR has been registered as an MH lobbying organization since 1985… The filing receipt for MHARR is attached.  This is all public record.”

A screen capture of MHARR’s filing receipt is below.

MHARRCongressionalLobbyingFilingDisclosureDailyBuisnessNewsMHProNews600

Facts matter. MHI’s claim that they are the only registered lobbying group in Washington is simply not accurate.

Huh? MHI is making a bold claim. They’ve made that same allegation repeatedly. It’s wrong.

Not true.

Many work at MHI, did someone fail to check before they repeatedly wrote their flawed phrase?  It was most recently used above, but used the day before as shown in the graphic below.  Who gets credit for their glitch?

Or did MHI simply make an assertion, because no one would likely check it out, to see if it was accurate or not?

MHINewsUpdate1242018ManufacturedHousingInstituteLogoDailyBusinessNewsMHProNews600

It that part of a pattern?  Let’s look…

Does MHI Politicize Facts?

We Provide, You Decide.” © The graphic below is from MHI. It’s about a piece of information that the industry’s members ought to care about. How many manufactured home communities (MHCs) are there?

ManufacturedHomeCommunitiesGraphicManufacturedHousingInstituteNationalCommunityCouncilDailyBusinessNewsMHProNews600

The red box reads “37,624 land-lease communities.” But Frank Rolfe says they’ve done a hand count, at 44,000. George Allen claims there are even more than that. Why did MHI publish the lowest number? Is it because MHVillage is a favored company?

MHI has three members who are all publishing on this topic. The statistics being used by MHI are those of their member MHVillage/DataComp; let’s call them the MHI favored insiders on this topic.

Frank Rolfe, Dave Reynolds, George Allen, Manufactured Home Community Controversy Continues

MHI member Frank Rolfe is not without influence, and George Allen is another member who likewise has a following.

  • Why is MHVillage data being used by MHI, when it is the lowest of the three competing sources?
  • Why MHVillage’s data, when Rolfe asserts in writing that they did a hand count that took them 2 years to complete, that shows 44k communities – thousands more communities than MHVillage does?
  • Doesn’t the lower MHC count harm the MH industry’s relative importance?
  • Is it a case of MHI politicized facts, based upon favoritism and agendas?

As a source at RV Horizon’s – one of Frank Rolfe’s operations – told MHProNews, lenders and investors want hard accurate data. They want to know.

Of course, the facts matter to investors.  They should matter to policy makers and everyone else too.

MHI has for some time published inaccurate information about the kind of financing and terms that are available for manufactured housing loans.  MHLivingNews did a report on that, linked below.  Award-winning Bob Crawford was asked to share his insights, which he gracefully did.

I’ve not recheck recently, but late in 2017, when we last looked – weeks after we brought the errors to MHI’s attention, weeks after the report above – the same MHI “fact sheet” was not updated on their website.  MHI still had the same errors. Why?  Was it because the facts they published were more useful to Berkshire Hathaway companies, such as Clayton Homes, Vanderbilt and 21st Mortgage?

MHI has a demonstrable pattern of what could be termed politicizing MH Industry information.

It’s done in a way that apparently favors some companies over others.

If one heeds what Warren Buffett has said – see his quotes in the column below – the chairman of Berkshire Hathaway counts on the fact that people don’t change habits easily, and that history is often ignored.

“Perverse”–Warren Buffett-Dodd-Frank, CFPB, Manufactured Housing, Loans, Independent Businesses Fact Check$

To rephrase, Mr. Buffett counts on others being superficial.  Meanwhile Mr. Buffett and his team are laser focused on facts, and how facts can be used to their advantage.

Superficiality-is-the-curse-of-the-modernWorldMatthewKellyQuoteFancyInspirationBlogMHProNews720

See first understanding. Don’t skim. Don’t jump to conclusions.

MHI also arguably have a pattern of telling most of their members and the industry-at-large one thing – via their emailed ‘updates’ and ‘alerts’ – but failing to mention key points, that are often highly important.

We know from various sources that MHI, Knoxville and others in their group closely follow what we publish.  We’ve seen emails that have been forwarded by MHI surrogates and allies.  We’ve contacted MHI and their executive committee directly numerous times.

They can’t legitimately claim not to know the above and what’s below.

They know.

Yet they fail to make changes, even after confronted with the facts.

Why?

Could it be that the longer the foot is on the MH industry’s break pedal, that more of the MH industry gets consolidated, at bargain basement prices?

Warren Buffett, “the Moat,” Manufactured Housing, Berkshire Hathaway, Clayton Homes, 21st Mortgage, Vanderbilt, Wells Fargo, NAI…

Why does this Matter to the MH Industry, Investors, or Public Officials?

Because MHI often buries their oversights, one would have to know what to look for – in some cases – to see the problem.

The Daily Business News will have a new report planned for today that relates to a follow up on the HUD’s announced top-down review.  In our inital report yesterday we cited Lesli Gooch’s otherwise fine letter to HUD.  But we also underscored her key oversight.  Gooch didn’t call for Danner’s removal.  Why not?  Arguably, with the wrong person at the helm, every other change you could propose would be moot. Others – including MHI’s most award-winning retailer – that we cited in the report linked below came to that same conclusion.  Danner had to go.  Why didn’t MHI get that reality years ago?

They knew.

MHI seems to have a pattern of posturing something, but omitting one or more key facts or points.  Currently, with respect to Pam Danner and HUD, they are failing to mention that for months, MHI would not take a public position on her role at HUD.  Why not?

We believe the answer is that heavy regulations harms independent producers, retailers and communities – among others. That in turn is useful to larger MHI member companies. Those independents, often wearied and financially stressed after years of fighting regulations, may finally sell out for less, or just go out of business.

Another example of MHI publishing misleading or errant ‘facts’ are linked below.

Community Co-Owner/Manager View On Richard Jennison and the Manufactured Housing Institute StatePoint Advertorial

MHI and their executive committee masters are arguably using government regulations as an indirect tool to consolidate the manufactured home industry.

If MHI postures opposing heavy regulation, but in fact fail to move the needle, they can ‘look good’ to members who are so busy, they may not realize what’s missing.  That’s how MHI are accomplishing the mission that their big corporate masters have in mind.

Perhaps that’s why MHI’s executive committee was happy to reward MHI CEO Richard “Dick” Jennison and others with a bonus and/or raise?  Even after MHI staff have demonstrably failed to accomplish any of their own major stated policy goals in years?

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

Facts matter.

Reality matters.  Patterns of behavior matter.  We are pro-MH Industry, and have been so years before we began publishing.

This writer was praised by many of those same MHI connected people, right up to the point that we figured out what the devil was going on at MHI.

We figured it out over time, thanks in large part thanks to:

  • voices from within MHI,
  • from some within Berkshire Hathaway firms,
  • as well as other MHI member operations.
  • MHARR played a roll in that process too, because they’ve been consistent and clear on lobbying and policy positions that MHI flip-flopped on.

There are reasons why a pair of state associations quietly dropped out of MHI. Ditto some member companies. There are reasons why others would if they could, but MHI carrots and sticks exist. To see how those carrots-and-sticks work, behind the scenes to the majority of the industry, see the report linked below.

GoldRulesTimWilliams21stMortgageCorpDailyB-usinessNewsMHProNews

http://www.mhpronews.com/blogs/daily-business-news/how-gold-rules-tim-williams-21st-mortgage-mhi-vp-state-execs-conference-call/

There are reasons why MHI won’t debate in public, or won’t take our questions any more.

Keep in mind, MHI and their leadership used to respond rapidly and gladly to MHProNews.

TimWilliams21stMortgageCEOPresident-currentMHIChairman-onValueMHProNews-MHLivingNews-

But when we pressed them last February on the HUD regulatory overreach issue and Pam Danner’s role there, they rapidly ejected us from membership on a phony excuse.  That excuse?  Claiming they had discovered we are a news organization, and they had no such membership category. 

What? MHI did that via an unsigned letter, bearing nobody’s name. It’s bogus, because others in the industry also publish and have consulting, just as we do. Those others are still in, but we are not?  Pardon MHI’s obvious hypocrisy?

They didn’t want us in their meeting rooms.  Isn’t that the more obvious reason?  They didn’t want us to report – for example – on how Tim Williams/21st subverted the DTS process.

MHI then intensified their campaign against us, just as they have been campaigning against MHARR.  Is it a coincidence that MHARR members are getting bought out by larger MHI member companies?  Or that MHI’s messages – like the ones shown above – try to discredit MHARR.

FollowTheMoneyPayMoreAttentionToWhatPeopleDoThanWhatTheySayMartyLavin6MillionYachtManufacturedHousingIndustryDailyBusinessNews600

For those who watch the details, even though MHARR is a manufacturers association, aren’t they routinely more reliable than MHI?

Manufactured Housing Institute (MHI) Gives Written Responses – “Part of a Rigged, Corrupt System”

We’ll say it again.  The MHI system is apparently rigged and corrupt, as we said in our last Masthead post, linked above.

It may or may not be exactly what Marty Lavin or Frank Rolfe had in mind, but both have made points about MHI’s hypocrisy, and failures.

We are not alone, there are MHI board members among those who whisper and complain to us.

MHI members are among those who thank us for having the courage to stand up to the Berkshire Hathaway dominated MHI.

The Other Side of the Coin

That said, there are those who don’t like this kind of column or reporting.

A reader recently wrote saying we are trying to make Clayton Homes look bad.  I can’t think of a single comment we’ve made against their products. We don’t slam Clayton’s homes, or the thousands of good people who work for them.

A large portion of our readers work for a Berkshire Hathaway (BH) owned MH company. We have/do work with numerous client companies who use Clayton products, or lending from 21st,etc.

We stick with the facts – and once they are understood – where those facts take us.  That’s what media is supposed to do.  MHI, Clayton, or whomever is welcome to submit a rebuttal. We’ve invited it. Why don’t they?

Because one of the largest factors holding the industry back from robust growth has been a pattern of failure and misleading information that comes out of MHI.

We’ll draw to a close with former President Barack Obama’s quote, cited above.  He’s correct, but not quite how he meant it.

President Donald J. Trump routinely gets a raw deal from many in the mainstream media.  There are millions today who are de facto propagandized.  If the media had treated POTUS Obama as they are POTUS Trump, their would have been howls of racism, or some other slurs.

In one year of President Trump’s leadership, the economy has demonstrably improved, using policies that have been proven good by President John F. Kennedy (D) and President Ronald Reagan (R).  We supported the Trump campaign, based upon his platform and his track record of business savvy.  We opposed Secretary Hillary Clinton based upon her platform, and her track record.

The fact that people can become so habitualized and trusting – in this example, with MHI – explains in part how Warren Buffett can openly support Hillary Clinton, who vowed to protect Dodd-Frank as is.

TimWilliamsCreditLinkedIn21stMortCorpCEOManufacturedHousingIndustryMHIChairmanWarrenBuffettBerkshireHathawayChairman

The truth about MHI is in several ways hiding in plain sight. But the MHProNews exclusively obtained documents from Tim Williams speaks volumes. But only to those with an open mind to reality, vs. fantasy. 

Meanwhile Buffett’s MHI member and prior chair, Tim Williams can claim to be fighting to reform Dodd-Frank. In hindsight, its an obvious contradiction.

I understand why some have a hard time accepting this. Why?  Because frankly, it was hard for me to accept it too.  From early on, there were voices in and with MHI warning me about Jennison, BH, and later others.  I heard them, but wasn’t immediately convinced.

I want to apologize for the time it took us to realize just how corrupted MHI has become during the Jennison era. This isn’t personal, its professional.

Simple Summary

This can be simple. Is Jennison – and are MHI’s so-called leadership – good or bad for the industry? Do they benefit someone beyond the big companies, or favored firms like Clayton’s client, NextStep?

If they had nothing to hide, why are they so afraid of debating the issues in public via video, as we’ve been inviting them to do for about a year?

Facts matter.  Reality is what it is.

People are entitled to their own opinions, but they are not entitled to their own facts.

We had to be sure about MHI et al.  Thus, we’ve followed each case of misinformation from MHI as they arose, and we reported them accordingly. Collectively those cases, concerns and allegations add up.   The Kevin Clayton video interview laces it all together in his own words.  The video is nearly an hour long, and posted near the end of the report, linked below.

Kevin Clayton Interview-Warren Buffett’s Berkshire Hathaway, Clayton Homes CEO

Then MHI Chairman, Nathan Smith laughed about consolidation on camera.

Dick Jennison somberly explained to the industry, why it should grow slowly. Duh?

It’s the truth hiding in plain sight.

Sure – from the vantage point of the big boys – let the MH Industry get consolidated.  No wonder Jennison and others got an apparent raise and bonus. No wonder they duck debate with one of the few voices that have a platform big enough to matter to them.

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

The future of the industry is potentially bright.

But it has been held back by either MHI incompetence, arrogance, or behavior whose outcome was big companies gobbling up little ones at a reduced price. To those who arguably got swindled, it was tragic!

GusRodriguezTejasHomesConroeTXIndustryVoicesDailyBusinessNewsMHProNews-e1516120612690

As independent business people ourselves – who have felt the betrayals of MHI et all, and have listened to the stories we’ve heard from others in the industry who were likewise betrayed – we would not be silent, once the pattern became clear.

TruthLiesFirstGetYourFactsStraightThenDistortThemAsYouPleaseMarkTwainMastheadManufacturedHousingIndustryNewsMHproNews

If MHI is telling the truth, if their track record is so strong, then why do they duck debate or honest discussion in public, via video, so all of the industry can see?

MHI makes mistake after mistake.  Just dumb luck?  Or does it benefit a few at the cost of the many? “We Provide, You Decide.” © ## (News, fisking, analysis, commentary, links to documents, allegations, comments from members, etc.)

Note 1: Thousands do it. For those industry pros, investors, and MH advocates who want to sign up to our industry leading headline news/updates – typically sent twice weekly – please click here to sign up in just seconds.

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

ThereAreOnly2WaysToLearnOwnOthersExperiencesLATonyKovachManufacturedHousingIndustryMHProNews

We agree with Warren Buffett on the value of the lessons of history, reading and research. Without those deep insights, the wool can be pulled over other people’s eyes. We respectfully disagree with Mr. Buffett’s politics.

By L. A. “Tony” Kovach.

Kovach is the award-winning managing-member of LifeStyle Factory Homes, LLC,
parent to MHProNews, and MHLivingNews.com.
Both are #1 in their categories.

Kovach is one of the most endorsed and recommended MH industry professionals in all of manufactured housing.

“The X Factor” – Manufactured Housing’s Surprising Solution$

October 12th, 2017 No comments

It should go without saying that the readers of MHProNews span the political, economic, religious, gender, ethnic, and other spectrums.

That means there are some that will love a statement they read on X (fill in the blank on what X is), while others oppose that same statement on X. Still others with a furrowed brow might wonder why X matters at all.

TheXFactorManufacturedHousingsSuprisingSolutoins

The X Factor. The truth can cut like a knife. That X-wing fighter? We think for a variety of reasons that manufactured housing’s best day are in the future, not the past.

Let’s plug in a few examples of X

  • MHARR or MHI.
  • Any of the people we quote on MHProNews or MHLivingNews.
  • Any of the political or economic sources we quote on MHProNews or MHLivingNews.

What does that X mean to you or me?

What does X mean for:

  • the mom and pop operation?
  • the corporate professional?
  • the investor,
  • the public official, researcher, advocacy group, or media,
  • the MH Industry association member, or
  • the professional who swore he/she would never go to another association meeting again?

FillInTheBlank------X=MashheadBlogMHProNews720

Tales, Faces and Facts

Fact 1:
The facts are that in this raging affordable housing crisis, manufactured homes are an obvious solution. Yes, MODs, hybrids, prefabs, and stick building all have their respective roles in this world of Off or On site Construction.

Fact 2:

There are:

  • economic,
  • social,
  • political,
  • moral,
  • technological,
  • and even
  • geopolitical/trade issues

that – knowingly or not – all impact factory home builders, professionals, and the home buying public.

If Hall of Famer Mickey Mantle can say with sincere humility what he did, doesn’t the same apply to the media? Public officials? Our own industry’s professionals?

“The X Factor” – Manufactured Housing’s Surprising Solution$ The Truth Well Told, What is the X Factor. Manufactured Housing, Dick Ernst, MHI, MHARR, MHProNews, MHLivingNews,

Among the points George Orwell, author of Animal Farm and 1984 was trying to make was this.

You can control people to a significant degree by controlling the information that flows to them.

Propaganda is used by many because it works.

How did we get from a Leave it to Beaver society to a rainbow society protesting almost everything in just 55 years?

One answer is media.  The other is educational.  Some of it is face-to-face, or person-to-person, manipulation.

PeopleMustLearnChildrenMustBeTaughtHowtoThinkNotWhattoThinkMargaretMeadWikipediaDailyBusinessNewsMHProNEws

Objective Analysis is critical for the success of our industry, and your profession, as it is for any other. MHProNews brings that analysis, which is why thousands logon daily, even if they may see a matter differently. “We Provide, You Decide.” ©

Rules, Labels, and Rulemakers

Label someone a conservative, moderate, or a liberal, and how people respond to that person changes.

Paint someone as a troublemaker or an outsider, and again, how people react changes.

All of these and more ought to be troubling to those who seek the truth about a person, or a subject.

StopLabelingPeopleQuotesOvercomingLablesForJarsNotPeopleLabelingQuotingsManufacutredHousingIndustryMastheadCommentaryMHProNewsThat thousands today can emerge from a college or a university, look you in the eye and say, “What truth? There is only my truth,” or “You can’t legislate morality” – and similarly dubious  X statements, these are causes for concern.

TruthWillProveItselfMostPeopleCantHandleTheTruthTonyGaskinsJr

Every piece of legislation or rule making is a value judgment. It is based upon a perception of truth. On a moral judgement.

If forces can control how other people react to:

  • manufactured homes,
  • skin tone,
  • accent,
  • religious affiliation (or a lack thereof),
  • political or
  • any other belief, then no wonder there is so much upheaval in America and around the world.

SomePeopleBelieveThereAreNoAbsolutesDoTheyMeanThatAbsolutelyRevDonaldTyeJrLATonyKovach

I’m only One Person

The fact that you or I are only one person is no excuse to do nothing.

We do what we can that is right and good, regardless of how others may or may not understand at that moment in time.

What Dick Ernst and others like him have said are quite right. We take on controversial issues or positions, not for the sake of stirring the pot. Rather, its because – as Ernst said, Tony believes that much in this industry.

Stirring the pot of its own sake would get old quickly.  We’re the same pro-industry people we’ve been from day one that we began MHProNews, and later MHLivingNews, now 9 years ago.

So, we take on an X issue precisely because we think it is relevant to the

  • Industry, or
  • the nation our industry is a part of,
  • or because in some way, a real problem offers an opportunity in disguise.
WhatsWrongIsThatWeDontAskWhatsRightGKChestertonQuoteMastheadBlogMHIndustryCommentaryMHProNews

Image by MHProNews.com

Divide and Rule

When an MHI board member shares their woes and frustrations this week with MHProNews;

Or

a longtime reader thinks I’m picking on MHI;

Or

Another reader thinks I can make up with MHI;

each of those are revealing insights.  But the fact that someone believes X doesn’t make it correct.

All of those are but examples of the X factor.  Someone is filling in a blank based upon, what?  There are other examples.

BasicNecessitiesGoodLifeFoodClothingShelterTransportationEducationGroundedTruthMoralSocietyGodlyPrinciplesRevDonaldTyeLATonyK

This industry ought to be easy! We sell affordable housing, and the nation needs it!

Why isn’t manufactured housing embraced?

ElectedOfficalExplainsSurprisingModernManufacturedHomesVideoInterviewMHLivingNews

I Love It!!! said a state executive, about the video above which is video interview that debunks many fallacies held by others about manufactured housing. “We Provide, You Decide.”  ©

Why are even some other factory builders for or against HUD Code manufactured housing?

Ignorance

We are all ignorant on many things. It is arrogant or delusional to think otherwise.

We need others in our lives.  You know things I don’t, and the reverse is true too.  That’s one of many reasons why we ask others for input on a regular basis.

If you believe in God, and chances are around 90 percent that you do, then it’s obvious that the Creator felt you and we were both necessary!

You think you’re right on X.

The person down the hall, sees X differently.

Who is right?

EveryoneIsEntitledTotheirOwnOpinionsButtheyAreNotEntitledTotheirOwnFactsDanielPatrickMoynihanMHLivingNews

We need to get back to basics. Those basics begin with a thirst for truth.

There are absolute truths.

We should be people who seek the truth of an issue, any issue.

People open to the truth see or can learn the value of manufactured homes.

Investors and advocates can discover the value.

Lenders can learn about MH what most Americans did in the wake of the civil rights movement.

But if we watch as a growing part of our fellow citizens embrace

  • a lie like socialism,
  • and we ignore the threat that modern day Brownshirts or propagandists pose,
  • whatever wealth you have can vanish in the night.
  • Wealth can disappear because you are murdered, or the power structure shifts, and the insiders are now on the outside.

 

My80%FriendIsNotMy20%EnemyRonaldReagan-postedMHProNews-com

There should be an unquenchable thirst to know and live the truth.

Because by definition, everything that is not the truth is a kind of delusion.

The nature of a human is that we learn in stages.  So we can’t know the full truth about anything all at once.  We learn that truth in stages, be it the ABCs, or the 123s, manufactured housing, or whatever the subject happens to be.

So, we do need patience for each other, and that sincere desire to know the truth.

AllTruthPassesThrough3StagesRidiculedOpposedThirdAcceptedasSelfEvident

The necessary truths about our industry was buried in stages.

Now, like gold, the truths about manufactured housing will have to be uncovered and refined in stages.

Different people will learn that truth at different paces.

But as enough professionals – if even one committed professional at a time – in a given market, is willing to take the long view, do what’s right by every customer, and share that truth routinely, given good health, etc. there will be tremendous success over time for that professional.

The reverse is also true, and the industry has been paying the price for short term thinking and behavior for decades.  Don’t believe it?  Check out last week’s fact-based post.

ManufacturedHomeLendingFEMAFalseProfits-AndFalseProphets

The Truth Well Told.  The Truth told routinely.  Behavior that aligns with that truth as perfectly as possible.

TruthAboutOurIndustryWellToldIsValuableAndProfitable

These are the ways our industry advances.  That truth is told, and best practices must occur at the local market level.

And for any of those who settle for less than the truth?  Sad. ## (Overview, analysis, commentary.)

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

LATonyKovachMHLivingNewsMHProNewsManufacturedHomeIndustryPublisherMarketingSalesTrainerConsultant-

http://latonykovach.com/recommendations-and-testimonials.php

By L. A. “Tony” Kovach,
Industry consultant, service provider, and managing member of LifeStyle Factory Homes, LLC – the parent company to the industry’s top trade media MHProNews.com and MHLivingNews.com

Frank, Frustrations, and Free Enterprise February in MHLand, 2017

February 6th, 2017 No comments

Let’s be frank.  As nice as a roughly 15% growth of 2016 over 2015 is, manufactured housing could be several times larger than its current annual shipment rates.

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Sponsor of MHProNews, to learn more, please click banner above.

The Trump Administration which is touting more pro-business postures, offers the manufactured housing industry an amazing opportunity.

Will the free enterprise solutions to the affordable housing crisis – that manufactured homes uniquely offers – be capitalized upon?

Stay tuned…

 

 

MODs and HUDS

No one in media or trade publishing covers prefab, modular and manufactured housing in as much depth and frequency as MHProNews and MHLivingNews do.  We are also by far the most read, and most trusted source for Industry News Tips and Views Pros Can Use.  ©

Every segment of the factory-crafted home market should periodically step back and see the broader picture.

Those in MHLand ought not overlook the rising role of modular housing in the marketplace, many do get it now.

The reverse is also true.  Each side of factory-built homes represents a vital option for housing seekers.

manufacturedhousingannualshipmentstoothachecredits-manufacturedhousingindustrymastheadcommentary-mhpronews

Image and negative news holds the MH industry back. But that’s an educational issue, as Chet Murphree and James McGee said on camera over a year ago. We now know that the 2016 new MH shipment totals were over 80,000.  But that is still a shadow of what the industry produced in the 90s or early 2000s. Given the affordable housing crisis, many may see the potential to hit 300,000 or 400,000 or even 500,000 annual shipments can be done in a sustainable fashion.  That will occur more rapidly when systemic changes are made by serious manufactured home players, acting on the local and regional levels.

In some ways, modular construction faces fewer stigmas, something that exclusive modular producers and their associations often highlight. Oh, that they would see the wisdom for uplifting all facets of factory-built homes.  It’s a wiser path for all. MODs and HUDs ought not to be I conflict, they ought to complement each other.  It’s doable, factually, as this linked video interview demonstrates.

Currently HUDs far outpace SF modular production.  But that could change, and if more large modular projects with MF use are considered, the who is the larger segment of factory crafted homes question deserves a closer look.

FrankRolfeBlastsManufacturedHousingInstituteMHILogoMHURVHorizonsPostedManufacturedHousingIndustryDailyBusinessNewsWeeklyRecapMHProNews

As the weekend Masthead commentary on the Rolfe Blasts MHI report reflected, it’s not about blasting for the sake of attack.  Its about identifying patterns of activity, and how they can be improved, for the benefit of all. The screen capture above is from the Daily Business News, click here or above to see that read, red hot report.

The frustrations of what holds back the industry are self-evident.  Frank Rolfe said it well when he stated, “Probably the greatest enemy to the growth of the mobile home park industry into a mainstream form of real estate investment is … our industry itself.”  That’s true, not only for the community sector, but for the reset of factory built housing – HUD Code and modular.

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MHProNews sponsor, to learn more, click the banner ad above.

But there are external challenges aplenty. This months featured articles reflect the obstacles and opportunities that exist.  There are news reports, products, events, services and more in store in dozens of February articles listed below.

As we noted in the weekend Masthead, it is long past due for the industry’s various voices to sit down and candidly, privately sort out how to create more cohesion and inclusion.  This writer tried for over a year privately to address issues that finally needed to go public.  Perhaps, under the growing scrutiny of industry voices like Rolfe’s and others, the players will take the prudential steps necessary.

Until then and beyond, MHProNews and our sister site, MHLivingNews marches on.

Knowledge is potential power, and promoting knowledge is powerful too. So, with no further adieu, the Featured Articles and Reports for Frank, Frustrations, and Free Enterprise February in MHLand, 2017 are below.

 

McGlinchey Stafford Survey of Latest Manufactured Housing Legal Decisions

by Marc Lifeset, JD
MarcLifesetJDMcGlincheyStaffordmanufacturedhousinglaw-postedManufacturedHousingIndustryMHProNews-50x50McGlinchey Stafford is proud to provide the Manufactured Housing Update to the manufactured housing industry.
Read more…

 

Faster New Home Sale$ Growth, Getting the “Total Package”

StanPosey-SunshineHomes-Redbay-Alabamaby Stan Posey
Industry projections are that new manufactured home shipments in 2016 will be up about 10 to 12 percent over 2015.
Read more…

 

Publication Flip-Flops on UMH, NPR Effect in Play

by RC Williams

RCWilliams-writer75x75ManufacturedHousingIndustryMHProNews

UMH Properties (NYSE: UMH) celebrated its 50th anniversary at the New York Stock Exchange last week, including ringing the closing bell.
Read more…

 

Security Mortgage Group Finances $10,007,000 for Several Communities in one week

by Security Mortgage Group
SecurityMortgageGroupManufacturedHomeCommunityLoansCommericalMortgageBrokersMHProNews
ROCHESTER, N.Y. – Security Mortgage Group
, a national award-winning MH Community lending broker, is pleased to have recently provided $10,007,000 in financing in one week for several manufactured home communities nationwide.
Read more…

 

“An Elephant Ass,” Understanding GSEs, Duty to Serve, Manufactured Home Lending

by Soheyla Kovach

SoheylaKovach-WebsiteDevelopment+SupportServices-MHProNews-com-photo83degreesmediaJulieBranaman-posted-MHProNews-com-50x50-

The manufactured homes chattel lending market poses challenges and risks for the enterprises
Read more…

 

Cordray Defiant, Says Trump Won’t Change Agency

by RC Williams
RCWilliams-writer75x75ManufacturedHousingIndustryMHProNewsConsumer Financial Protection Bureau (CFPB) Director Richard Cordray has finally spoken in the wake of President Trump’s inauguration, per the LA Times.
Read more…

 

Northpoint Commercial Finance Expands Field Sales Organization

by Northpoint Commercial Finance
NorthPointcommercialFinance-logo-postedomMHProNewsAlpharetta, GA, January 30, 2017 – Northpoint Commercial Finance, a diversified inventory finance lender, is pleased to announce the hiring of three additional Directors of Business Development.
Read more…

 

Tiny Prefab Builder Takes His Show on the Road

by RC Williams
RCWilliams-writer75x75ManufacturedHousingIndustryMHProNewsPatrick Kennedy, owner of Panoramic Interests, a San Francisco, California based developer specializing in prefab homes, believes he has a partial solution to the Bay Area’s chronic homelessness problem. Read more…

 

Clayton Homes commemorates business milestone with 60th Anniversary Home Berkshire Hathaway homebuilder unveils special edition home model in 2016

by Clayton Homes
ClaytonHomes-logo-50x50MARYVILLE, Tenn. — Clayton Homes, one of the largest builders of manufactured, modular and site-built homes combined, designed a special edition manufactured home to celebrate 60 years in business.
Read more…

 

It’s all in the questions

by Tim Connor

tim-connor-mhmsm-com

Over the years, I have considered the difference between people who consistently do well in life – their careers and relationships and people who struggle.
Read more…

 

U.S. Existing Homes Sales Rise in December, MH Industry Response

by RC Williams
RCWilliams-writer75x75ManufacturedHousingIndustryMHProNewsData from the National Association of Realtors (NAR) shows that home sales continued their growth in December, as more buyers reached the market before the end of the year.
Read more…

 

2017 Tunica Manufactured Home Updates

by Tunica Show
tunicashow2017A RIVER CUTS THROUGH A ROCK NOT BECAUSE OF ITS POWER BUT ITS PERSISTENCE…
Read more…

 

Industry Should Stay the Course in Duty to Serve Efforts

by Jim Ayotte
JimAyotteFloridaManufacturedHousingAssociationFMHA-IndustryVoices-ManufacturedHousingIndustryCommentaryMHProNews50x50I appreciate the way that MHAAR respectfully criticized my commentary on the Federal Housing Finance Agency’s (FHFA’s) final rule to implement the “Duty to Serve” (DTS) requirements as being “far too charitable,” but the criticism was misdirected.
Read more…

 

Security Mortgage Group Finances 80,032,500 for Several Communities

by RC Williams
RCWilliams-writer75x75ManufacturedHousingIndustryMHProNewsRochester, New York-based Security Mortgage Group, a national award-winning MH Community lending broker, has provided $80,032,500 in financing for several manufactured home communities throughout the nation over the last few months.
Read more…

 

“All Things Considered???”

by Industry Voice
IV-IndustryVoicePostedMHProNews-50x50aPerhaps it’s too much to ask a “news” show called “All Things Considered” to actually consider “all things” or, at least “all things” concerning the subjects they choose to consider.  After all, “all” covers a lot of ground.
Read more…

 

Jim Visser Honored, the Journal of Manufactured Housing now History

by Soheyla Kovach.

SoheylaKovach-WebsiteDevelopment+SupportServices-MHProNews-com-photo83degreesmediaJulieBranaman-posted-MHProNews-com-50x50-

The publisher of The Journal of Manufactured and Modular Housing, Jim Visser, was honored at the 2017 Louisville Manufactured Housing Show with the framed ‘thank you’ document, shown in the photo at the left.
Read more…

 

County Levies Stiff Fine in Dakota, as Trump Primes XL Pipeline

by RC Williams
RCWilliams-writer75x75ManufacturedHousingIndustryMHProNewsIn a case that dates back to 2014, Williams County, North Dakota officials have re-instituted a $1.2 million fine against Western Petroleum LLC and its parent company, Pilot Thomas Logistics.
Read more…

 

Is your life purpose: what you have, what you do or who you are?

by Tim Connor
tim-connor-mhmsm-comMany people in life send mixed messages to their family, customers, employees or even total strangers creating confusion, a lack of trust and yes a lack of integrity with what they believe, stand for or how they will be remembered or even who they really are.
Read more…

 

“Stop, Thief!”

by RC Williams
RCWilliams-writer75x75ManufacturedHousingIndustryMHProNewsNews of a theft in Purcell, Oklahoma, indicate arrest warrants are outstanding for a man and woman charged in McClain County District Court with knowingly concealing stolen property.
Read more…

 

Trump’s Regulation Cuts Could Have Major Impact on MH

by RC Williams
RCWilliams-writer75x75ManufacturedHousingIndustryMHProNewsThroughout the 2016 presidential campaign, Donald Trump was very clear on one thing he wanted to change – regulations. Read more…

 

Flemming Was His Name

By Greg McClanahan
I wanted to share a few thoughts about what I think is a key element to achieving successful outcomes in our lives and in our business activities.
Read more…

 

Buffett Supports Trump Picks, Soros Has Other Ideas

by RC Williams
RCWilliams-writer75x75ManufacturedHousingIndustryMHProNewsAs President Donald Trump enters his first full week of office, his cabinet picks remain the front and center topics of discussion.
Read more…

 

Tough Times for Tiny Home Builders

by RC Williams
RCWilliams-writer75x75ManufacturedHousingIndustryMHProNewsWhile tiny homes may be all the rage in popular culture, local governments and regulations have made things tough in Washington State.
Read more…

 

Life changing moments in 2017

byTim Connor

tim-connor-mhmsm-com

Ever notice how a person’s life can change from one minute to the next?
Read more…

 

Tornadoes, Severe Weather Ravage South, Misconceptions Abound

by RC Williams
RCWilliams-writer75x75ManufacturedHousingIndustryMHProNewsThe southern U.S. was severely affected this weekend, as tornadoes and storms destroyed homes, injured dozens and killed 16.
Read more…