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‘A Pimple on an Elephant’s Ass’ – White House Manufactured Housing Lending Listening Session ‘Logic’ Comments as Prepared

While the White House communications team involved in the 4.20.2022 listening session made time available for this writer, L. A. “Tony” Kovach, to address the 60 or so attendees of their federal Zoom call, a technical glitch kept the following remarks from occurring. A post was made in the comments that linked to prior comments to the 3.25.2022 FHFA Listening Session. Those links are below.

The comments are prepared for the listening session are as follows.


‘A Pimple on an Elephants Ass’

That’s how a Manufactured Housing Executives Council (MHEC) member described to MHProNews the comparative losses on manufactured homes in the late 1990s and early 2000s to the massive losses incurred in conventional housing circa the 2008-era housing-financial crisis.

2 decades later, mistakes made by some in manufactured housing are still used as a stated or implied excuse for not providing secondary market support for manufactured home loans. That’s despite evidence that properly underwritten and serviced manufactured homes have demonstrated good performance.

An FHFA Listening Session on 3.25.2021 on the Enterprise Housing Goals includes the evidence-based and hot-linked remarks as prepared for delivery by myself, L. A. “Tony’ Kovach. A 7-minute read named names and references comments by relevant public officials, nonprofits, corporate, mainstream media, and others.

They shed light on why manufactured housing is underperforming during an affordable housing crisis.

It is arguably as relevant today as it was then.

Why? Because so little progress has occurred since that time.

If you do a google search for – FHFA Kovach Statement Pimple on an Elephant’s ass – and that FHFA posted document will be the top result today.

New evidence emerged since what FHFA called the Kovach Statement document was posted.

The new evidence tends to confirm why there was less than 30 percent of the manufactured home production in 2021 as was achieved in 1998.

Since 1998, the Manufactured Housing Improvement Act (MHIA) of 2000 was enacted and signed into law by President Bill Clinton (D). The measure was widely bipartisan and was billed as an affordable housing law.

In 2008, secondary market access financing support for manufactured homes was mandated by the Housing and Economic Recovery Act (HERA) in its Duty to Serve Manufactured Housing provision. Known as DTS, some 14 years have passed since HERA was enacted by a widely bipartisan vote in Congress. HERA was passed on July 24, 2008, says Wikipedia, and was signed by President George W. Bush (R) on July 30, 2008.

The FHFA Kovach statement examines why existing laws aren’t being properly enforced.

Doug Ryan at Prosperity Now accused MHI of protecting Clayton Homes lending moat by not earnestly pushing for DTS enforcement by the FHFA.

Ryan in an op-ed to American Banker entitled “Time to End the Monopoly Over Manufactured Housing,” Ryan explained his concerns.

In a similar vein, James A. “Jim” Schmitz Jr, a senior economist for the Minneapolis Federal Reserve in a series of well evidenced articles written in conjunction with other researchers said solving the affordable housing crisis will require fighting monopolies.

While MHI’s Lesli Gooch disagreed with Ryan publicly, why hasn’t MHI signed onto the Underserved Mortgage Markets Coalition letter? MHProNews will plan to post these remarks as prepared with appropriate links to evidence of these concerns on our website tomorrow. Thank you.



Additional Remarks

As a youth, this writer noted that the initials – LAJK – if pronounced in an anglicized manner, would sound like “logic.” As the son of a world-class philosopher, logic was deemed important. Having fun with “logic” phonetically was cool for a teen. Fast forward decades later to 2022, and L. A. “Tony” Kovach or L. A. “Tony” has for some 30 years been the moniker of choice. Given that ‘branding’ has been considered a thing for some years, self-branding in that way was some years ahead of its time.  But it is similar to Cavco’s William Boor using the nickname “Bill,” or MHI’s prior president and CEO, Richard Jennison using the nickname “Dick,” or Thomas Hodges going by the nickname “Tom,” people may want to tweak how they are known and referred to publicly. In most cases, it is entirely innocent, or perhaps even fun-loving.

That brief aside is made for the sake of any who might be distracted by some cheap shot artists who have nothing better to do than try to deflect from the serious, evidence-based issues that MHProNews and MHLivingNews raise. Before L A Tony K was LAJK. Same person, different era, tastes evolve.

FHFA Public Listening Session: Enterprise Housing Goals ANPR | Federal Housing Finance Agency

No Description

To see the context for the White House Listening Session expert opinion comments posted above, see the report linked below.




Manufactured Housing Institute (MHI) Lashed by Current, Past Members; Odd Defense of Arlington VA Based MHI Association, Suggested Meeting for New Post-Production National Trade Group Considered



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Stay tuned for more of what is 'behind the curtains' as well as what is obvious and in your face reporting that are not found anywhere else in MHVille. It is all here, which may explain why this is the runaway largest and most-read source for authentic manufactured home “News through the lens of manufactured homes and factory-built housing” © where “We Provide, You Decide.” © ## (Affordable housing, manufactured homes, reports, fact-checks, analysis, and commentary. Third-party images or content are provided under fair use guidelines for media.) (See Related Reports, further below. Text/image boxes often are hot-linked to other reports that can be access by clicking on them.)

All on Capitol Hill were welcoming and interested with the discussion of manufactured housing related issues on our 12.3.2019 meetings. But Texas Congressman Al Green's office was tremendous in their hospitality. Our son's hand is on a package that included the Constitution of the United States and other goodies. MHProNews has worked with people and politicos across the left-right divide.

By L.A. "Tony" Kovach - for

Tony earned a journalism scholarship and earned numerous awards in history and in manufactured housing.

For example, he earned the prestigious Lottinville Award in history from the University of Oklahoma, where he studied history and business management. He's a managing member and co-founder of LifeStyle Factory Homes, LLC, the parent company to MHProNews, and

This article reflects the LLC's and/or the writer's position, and may or may not reflect the views of sponsors or supporters.

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Related References:

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

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Fact Check, Darren Krolewski, MHInsider Claim on 2019 Louisville Show Attendance

Darren Krolewski, Co-President at MHVillage and publisher of their MHInsider magazine made another bold claim in their most recent issue. As regular and close readers of MHProNews fact-checks may recall, a problematic claim was made in their prior issue too, and no known correction of that factual error took place.