{"id":16999,"date":"2019-01-16T11:29:17","date_gmt":"2019-01-16T17:29:17","guid":{"rendered":"http:\/\/mhmarketingsalesmanagement.com\/blogs\/tonykovach\/?p=15340"},"modified":"2019-04-23T18:37:07","modified_gmt":"2019-04-23T23:37:07","slug":"manufactured-housing-institutes-three-stooges-seco-leaders-george-f-allen-spencer-roane-tom-lackey-and-rent-to-own-scams","status":"publish","type":"post","link":"https:\/\/www.manufacturedhomepronews.com\/masthead\/manufactured-housing-institutes-three-stooges-seco-leaders-george-f-allen-spencer-roane-tom-lackey-and-rent-to-own-scams\/","title":{"rendered":"Manufactured Housing Institute\u2019s Three Stooges? SECO \u2018Leaders\u2019 George F. Allen, Spencer Roane, Tom Lackey and \u2018Rent to Own\u2019 Scams?"},"content":{"rendered":"<p><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter size-medium wp-image-16929\" src=\"https:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/04\/ManufacturedHousingInstituteLogoMHILogoSECOlogoSoutheasternCommunityOwnersSymposiumLogoGeogeAllenSpencerRoaneTomLackeyMHProNewsMasthead-575x302.jpg\" alt=\"ManufacturedHousingInstituteLogoMHILogoSECOlogoSoutheasternCommunityOwnersSymposiumLogoGeogeAllenSpencerRoaneTomLackeyMHProNewsMasthead\" width=\"575\" height=\"302\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/04\/ManufacturedHousingInstituteLogoMHILogoSECOlogoSoutheasternCommunityOwnersSymposiumLogoGeogeAllenSpencerRoaneTomLackeyMHProNewsMasthead-575x302.jpg 575w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/04\/ManufacturedHousingInstituteLogoMHILogoSECOlogoSoutheasternCommunityOwnersSymposiumLogoGeogeAllenSpencerRoaneTomLackeyMHProNewsMasthead-150x79.jpg 150w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/04\/ManufacturedHousingInstituteLogoMHILogoSECOlogoSoutheasternCommunityOwnersSymposiumLogoGeogeAllenSpencerRoaneTomLackeyMHProNewsMasthead.jpg 600w\" sizes=\"(max-width: 575px) 100vw, 575px\" \/><\/p>\n<p><span style=\"margin: 0px; color: #222222; line-height: 107%; font-family: 'Tahoma',sans-serif; font-size: 12pt;\">\u201c<span style=\"color: #993300;\"><b>Tony\u2026as I think you know, it\u2019s ALWAYS been my position that lease option and rent to own are illegal if they are a \u201cworkaround\u201d for chattel financing, which is what most such schemes are<\/b><\/span>&#8230;\u201d <\/span><span style=\"margin: 0px; color: #222222; font-family: 'Tahoma',sans-serif; font-size: 10pt;\">\u2013 MH Industry attorney, not an association exec, in off-the-record comment about his legal perspective about the issue that follows.<\/span><\/p><div id=\"manuf-381933171\" class=\"manuf-content manuf-entity-placement\"><script async src=\"\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-3870480136270376\" crossorigin=\"anonymous\"><\/script><ins class=\"adsbygoogle\" style=\"display:block;\" data-ad-client=\"ca-pub-3870480136270376\" \ndata-ad-slot=\"\" \ndata-ad-format=\"auto\"><\/ins>\n<script> \n(adsbygoogle = window.adsbygoogle || []).push({}); \n<\/script>\n<\/div>\n<p>George F. (F?) Allen has protested the use of the quote above to <em>MHProNews<\/em> from a non-association industry attorney who wanted to remain anonymous.<\/p>\n<p>Perhaps Allen doesn&#8217;t honor off-the-record, but we do.\u00a0 Beyond honoring the pledge of protecting a source, is an attorney\u2019s name even necessary? Arguably, not when the New York State Attorney General has successfully sued and forced about 100 manufactured home communities and their owners to settle their own rent-to-own cases.<\/p>\n<p>That\u2019s a nettlesome fact for Allen and company, see the NY AG press release to <em>MHProNews<\/em>, <a href=\"https:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/01\/NewYorkAttorneyGeneralRentToOwnContractforTitleSuitSettlementWithManufacturedHomeCommunitiesMastheadMHProNews.pdf\" target=\"_blank\" rel=\"noopener\"><strong>linked here<\/strong><\/a>.<\/p>\n<p><img decoding=\"async\" class=\"aligncenter size-medium wp-image-16909\" src=\"https:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/04\/AGUnderwoodAnnouncesMajorSettlementWithManufacuredHomeParkOwnesToReformRentToOwnFollowingAGIndustryWideInvestigationMHProNews-575x331.jpg\" alt=\"AGUnderwoodAnnouncesMajorSettlementWithManufacuredHomeParkOwnesToReformRentToOwnFollowingAGIndustryWideInvestigationMHProNews\" width=\"575\" height=\"331\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/04\/AGUnderwoodAnnouncesMajorSettlementWithManufacuredHomeParkOwnesToReformRentToOwnFollowingAGIndustryWideInvestigationMHProNews-575x331.jpg 575w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/04\/AGUnderwoodAnnouncesMajorSettlementWithManufacuredHomeParkOwnesToReformRentToOwnFollowingAGIndustryWideInvestigationMHProNews-150x86.jpg 150w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/04\/AGUnderwoodAnnouncesMajorSettlementWithManufacuredHomeParkOwnesToReformRentToOwnFollowingAGIndustryWideInvestigationMHProNews-768x442.jpg 768w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/04\/AGUnderwoodAnnouncesMajorSettlementWithManufacuredHomeParkOwnesToReformRentToOwnFollowingAGIndustryWideInvestigationMHProNews.jpg 798w\" sizes=\"(max-width: 575px) 100vw, 575px\" \/><\/p>\n<p>The issues are many, but let\u2019s simplify some of them to these bullets.<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>Allen, Roane, and Lackey are all \u2018leaders\u2019 in SECO &#8211; the Southeastern Community Owners Symposium.<\/li>\n<li>All three of the above fellows have drawn negative mainstream media attention for the use, or defense of the use, of \u2018rent to own,\u2019 \u2018lease purchase options,\u2019 \u2018contract for title,\u2019 or other forms of arguably \u201c<span style=\"color: #993300;\"><strong>disguised credit transactions<\/strong><\/span>.\u201d<\/li>\n<li><strong>Allen, Roane, and Lackey<\/strong> have all personally earned money from \u2018rent to own\u2019 (RTO), \u2018contract for title,\u2019 \u2018lease purchase options\u2019 (LPO) &#8211; or whatever you went to call the modern version of a Lonnie Deal (see download, <a href=\"https:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/01\/GeorgeFAllenMHCEducateMHMRoundTableMHAliveSpencerRoaneSECOTomLackeySECO-SoutheasternCommunityOwnersSymposium2019Letter.pdf\" target=\"_blank\" rel=\"noopener\">linked here<\/a>).\u00a0 What might have been lawful prior to the Safe Act, and the advent of the Consumer Financial Protection Bureau (CFPB), is now deemed in the eyes of legal authorities as a \u201c<span style=\"color: #993300;\"><strong>disguised credit transaction<\/strong><\/span>.\u201d They are routinely seen as a form of predatory lending, and have reportedly harmed numerous consumers who trusted Lackey, and others.<\/li>\n<li><strong>You don\u2019t have to look beyond the <a href=\"https:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/01\/NewYorkAttorneyGeneralRentToOwnContractforTitleSuitSettlementWithManufacturedHomeCommunitiesMastheadMHProNews.pdf\" target=\"_blank\" rel=\"noopener\">NY AG Case<\/a> against for proof, do you?<\/strong> If larger manufactured home community (MHC) operations could not make this work in a legitimate fashion, per the NY AG, are industry independents really going to believe that Allen, Roane, Lackey and SECO know some trick that the large portfolio operators attorneys didn\u2019t discover?<\/li>\n<li>Perhaps to protect their own revenue stream and reputations, Allen and Roane defended and\/or refused to condemn Lackey.<\/li>\n<li>And <strong>over the course of several years, hundreds of manufactured home community owners have trusted Allen\u2019s and Roane\u2019s respective Schticks<\/strong>. How many ticking time bombs await?<\/li>\n<li>Can you <strong>imagine the glee a consolidator might feel, if hundreds of more communities hit the market at a depressed price, due to bad advice taught at SECO and\/or by Allen?<\/strong><\/li>\n<li>Allen likes to do magic tricks to entertain his audience. Let\u2019s see what rabbit Allen tries to pull out of a hat to distract his readers and students from the cold hard facts that the NY AGs cases exemplified.<\/li>\n<li>But the risks to consumers and independent manufactured home professionals arguably doesn\u2019t stop with problematic RTO or LPO contracts for title. Because they have sponsors and often \u2018big name\u2019 supporters. Among them? Joe Stegmayer, who stepped down from Cavco leadership under a SECO Investigation cloud, but who has stayed on as MHI Chairman. Beautiful.<\/li>\n<li>Stegmayer graced Allen\u2019s \u2018roundtable\u2019 stage, giving each other some measures of \u2018respectability.\u2019<\/li>\n<li>Fleetwood, a division of Cavco, has given SECO support too. So has MHVillage, and others. Will they demand indemnification for the so-called education that has been taught?<\/li>\n<li>But <strong>has anyone asked what the liability and exposure are for those who sponsor so-called education that is flawed and risky at best, or illegal at worst?<\/strong><\/li>\n<li>What will that costly MHM certificate Allen sells mean to outsiders, if Allen, Roane, and Lackey end up in more media and\/or legal hot water?<\/li>\n<\/ul>\n<p>Ironically, it is Allen who volunteered or was deputized by MHI supporters to call for a boycott of this publication. That can be antitrust trigger. How ironically hypocritical.\u00a0 See evidence of that and more at the download, <a href=\"https:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/01\/GeorgeFAllenMHCEducateMHMRoundTableMHAliveSpencerRoaneSECOTomLackeySECO-SoutheasternCommunityOwnersSymposium2019Letter.pdf\" target=\"_blank\" rel=\"noopener\">linked here<\/a>.<\/p>\n<p>Besides years of arguable jealousy by Allen over our many-times-larger professional audience, is the fact that <em>MHProNews<\/em> has previously warned industry communities and retailers about the potential risks from using disguised credit transactions in today\u2019s legal and regulatory environment.\u00a0 Not to be overlooked are ties with MHI&#8230;<\/p>\n<p><strong>MHI Ties?<\/strong><\/p>\n<p>Where is MHI on this? A check of their website would suggest, silent. Rather akin to their silence on other issues &#8211; like the slow monopolization of the industry &#8211; that might be useful or importance?<\/p>\n<p><img decoding=\"async\" class=\"aligncenter size-full wp-image-16928\" src=\"https:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/04\/ManufacturedHousingInstituteLogoMHILogoDIsguisedCreditTransactionMastheadCommentaryMHProNews.png\" alt=\"ManufacturedHousingInstituteLogoMHILogoDIsguisedCreditTransactionMastheadCommentaryMHProNews\" width=\"574\" height=\"281\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/04\/ManufacturedHousingInstituteLogoMHILogoDIsguisedCreditTransactionMastheadCommentaryMHProNews.png 574w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/04\/ManufacturedHousingInstituteLogoMHILogoDIsguisedCreditTransactionMastheadCommentaryMHProNews-150x73.png 150w\" sizes=\"(max-width: 574px) 100vw, 574px\" \/><\/p>\n<p>&nbsp;<\/p>\n<p>Allen, Roane, and Lackey can be viewed as the part time critics, and de facto part time supporters of MHI and their \u2018big boy\u2019 backers. Don\u2019t ask for consistency from Allen, because you won\u2019t likely find it, save in his arguably hypocritical inconsistency.<\/p>\n<p>But the warning to industry pros is once more given. Allen, Roane, Lackey, and SECO are the typical stew of seemingly useful, but also problematic education. <strong>MH Industry <\/strong><\/p>\n<p><strong>Professionals, hungry for educational opportunities, turns to them in desperation, and they find smiling carnival barkers. <\/strong><\/p>\n<p>https:\/\/www.manufacturedhomepronews.com\/state-ag-files-suit-against-manufactured-home-community-rent-to-own-lease-purchase-option-warning\/<\/p>\n<p>A entertaining and feel good blathering isn\u2019t the same as genuine, legally sound, knowledge.<\/p>\n<p>Just read the list of questions, <strong><a href=\"https:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/01\/GeorgeFAllenMHCEducateMHMRoundTableMHAliveSpencerRoaneSECOTomLackeySECO-SoutheasternCommunityOwnersSymposium2019Letter.pdf\" target=\"_blank\" rel=\"noopener\">linked here<\/a>,<\/strong> put to George F. (F?) Allen and his cronies, and Allen\u2019s non-answers.<\/p>\n<p>&nbsp;<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-medium wp-image-16916\" src=\"https:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/04\/DuckDodgeDismissDistractDetractDefame6DsMastheadCommentaryManufacturedHomeIndustryMHProNews-538x430.jpg\" alt=\"DuckDodgeDismissDistractDetractDefame6DsMastheadCommentaryManufacturedHomeIndustryMHProNews\" width=\"538\" height=\"430\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/04\/DuckDodgeDismissDistractDetractDefame6DsMastheadCommentaryManufacturedHomeIndustryMHProNews-538x430.jpg 538w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/04\/DuckDodgeDismissDistractDetractDefame6DsMastheadCommentaryManufacturedHomeIndustryMHProNews-150x120.jpg 150w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/04\/DuckDodgeDismissDistractDetractDefame6DsMastheadCommentaryManufacturedHomeIndustryMHProNews.jpg 663w\" sizes=\"(max-width: 538px) 100vw, 538px\" \/><\/p>\n<p><strong>Caveat emptor.<\/strong> Let the buyer of such education beware. <a href=\"https:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/01\/GeorgeFAllenMHCEducateMHMRoundTableMHAliveSpencerRoaneSECOTomLackeySECO-SoutheasternCommunityOwnersSymposium2019Letter.pdf\" target=\"_blank\" rel=\"noopener\"><strong>But sponsors, beware too<\/strong><\/a>. Because some legal authorities tell us that sponsors of legally risky education may have liability too.<\/p>\n<p>In closing this column, let\u2019s state the obvious. We are not the <em>New York Times<\/em> or <em>Fox News<\/em>. We do business development and other expert services to manufactured housing, not just publishing.<\/p>\n<p>Our form of trade journalism is different than what mainstream journalists do.<\/p>\n<p>But no serious person in our industry has disputed the <a href=\"https:\/\/www.manufacturedhomelivingnews.com\/bridging-gap-affordable-housing-solution-yields-higher-pay-more-wealth-but-corrupt-rigged-billionaires-moat-is-barrier\/\" target=\"_blank\" rel=\"noopener\">facts, documents, evidence, and concerns we\u2019ve raised<\/a>. Allen, despite his roar and bluster, was given the chance to disprove a single claim. He hurled invectives instead. Again, the give and take are linked here, and included several individuals in BCCs on both sides.<\/p>\n<p>One catches flak only when over the target. One of numerous examples is the target below. \u00a0 The axis hates it, because its&#8217; their own words, how do they argue against their own words? <a href=\"https:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/01\/GeorgeFAllenMHCEducateMHMRoundTableMHAliveSpencerRoaneSECOTomLackeySECO-SoutheasternCommunityOwnersSymposium2019Letter.pdf\" target=\"_blank\" rel=\"noopener\">Allen and company have the same problem<\/a>.<\/p>\n<p>https:\/\/www.manufacturedhomelivingnews.com\/bridging-gap-affordable-housing-solution-yields-higher-pay-more-wealth-but-corrupt-rigged-billionaires-moat-is-barrier\/<\/p>\n<p>Be it the three stooges, or the Omaha-Knoxville-Arlington axis, their allies and surrogates, our catching flak is a badge of honor, given the sources.<\/p>\n<p>From the smallest to the biggest firms in our industry logon daily to <em>MHProNews<\/em> by the thousands. They find the content relevant and useful. As an MHI member executive said in the quote below, what we may have periodic typos, but we make a logical case.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-16944\" src=\"https:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/04\/YouMHProNewsSeemToHaveConceptualIQThatIsMoreImportantThanSpellingAbilityQuoteMastheadMHProNews.png\" alt=\"YouMHProNewsSeemToHaveConceptualIQThatIsMoreImportantThanSpellingAbilityQuoteMastheadMHProNews\" width=\"402\" height=\"224\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/04\/YouMHProNewsSeemToHaveConceptualIQThatIsMoreImportantThanSpellingAbilityQuoteMastheadMHProNews.png 402w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/04\/YouMHProNewsSeemToHaveConceptualIQThatIsMoreImportantThanSpellingAbilityQuoteMastheadMHProNews-150x84.png 150w\" sizes=\"(max-width: 402px) 100vw, 402px\" \/><\/p>\n<p>That\u2019s what vexes the Omaha-Knoxville-Arlington axis. And it is nettlesome to the three stooges whose purportedly \u2018educational\u2019 efforts more closely resembles scams. Sad. \u201c<span style=\"color: #993300;\"><strong>We Provide, You Decide<\/strong><\/span>.\u201d \u00a9 ## (News, commentary, and analysis.)<\/p>\n<p>(<strong>See <span style=\"color: #ff0000;\">Related Reports<\/span>, further below<\/strong>. Text\/image boxes often are hot-linked to other reports that can be access by clicking on them. Third-party images and content are provided under fair use guidelines.)<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-17019\" src=\"https:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/01\/LATonyKovachQuoteManufacturedHousingIndustryWontReachPotentialAddresscoreIssuesArtificallyholdingitback466.png\" alt=\"LATonyKovachQuoteManufacturedHousingIndustryWontReachPotentialAddresscoreIssuesArtificallyholdingitback466\" width=\"466\" height=\"534\" \/>By<a href=\"http:\/\/www.83degreesmedia.com\/features\/mhnews072115.aspx\" target=\"_blank\" rel=\"noopener\"> L.A. &#8220;Tony&#8221; Kovach<\/a> &#8211; for <em>MHProNews<\/em>.com.<\/p>\n<p>Tony is the multiple award-winning managing member of LifeStyle Factory Homes, LLC, the parent company to <em>MHProNews,<\/em> and <a href=\"http:\/\/MHLivingNews.com\" target=\"_blank\" rel=\"noopener\"><em>MHLivingNews.com<\/em><\/a>.<\/p>\n<p align=\"LEFT\"><span style=\"color: #000000;\"><span style=\"font-family: Tahoma,sans-serif;\"><span style=\"font-size: small;\"><span lang=\"en-US\">Office <b>863-213-4090<\/b><\/span><\/span><\/span><\/span><span style=\"color: #000000;\"><span style=\"font-family: Tahoma,sans-serif;\"><span style=\"font-size: small;\"><span lang=\"en-US\"> |<\/span><\/span><\/span><\/span><span style=\"font-family: Tahoma,sans-serif;\"><span style=\"font-size: small;\"><span style=\"color: #000000;\"><span lang=\"en-US\">Connect on <\/span><\/span><span style=\"color: #000000;\"><span lang=\"en-US\"><b>LinkedIn<\/b><\/span><\/span><span style=\"color: #000000;\"><span lang=\"en-US\">:<br \/>\n<\/span><\/span><\/span><\/span><span style=\"color: #1155cc;\"><span style=\"font-family: Helvetica,sans-serif;\"><span style=\"font-size: small;\"><u><a href=\"http:\/\/www.linkedin.com\/in\/latonykovach\" target=\"_blank\" rel=\"noopener\"><span lang=\"en-US\">http:\/\/www.linkedin.com\/in\/latonykovach<\/span><\/a><\/u><\/span><\/span><\/span><\/p>\n<p><strong><span style=\"color: #0000ff;\">Sign Up Today<\/span>!<\/strong><\/p>\n<p>Click<strong> <a href=\"http:\/\/eepurl.com\/daiyGn\">here to sign up in 5 seconds for the<\/a> <span style=\"color: #ff0000;\">manufactured<\/span><\/strong><strong><span style=\"color: #ff0000;\"> home industry&#8217;s leading<\/span> &#8211; and still growing &#8211; emailed headline news updates<\/strong>.<\/p>\n<p>&nbsp;<\/p>\n<h2><span style=\"color: #0000ff;\"><strong>Related References<\/strong><\/span>:<\/h2>\n<h3>The text\/image boxes below are linked to other reports, which an be accessed by clicking on them.<\/h3>\n<p>https:\/\/www.manufacturedhomelivingnews.com\/former-manufactured-housing-institute-president-manufactured-home-owners-urban-institute-and-you\/<\/p>\n<p>https:\/\/www.manufacturedhomepronews.com\/new-era-in-national-u-s-manufactured-home-community-representation-underway\/<\/p>\n<p>https:\/\/www.manufacturedhomepronews.com\/the-future-of-retail-disney-trailer-trauma-and-manufactured-housing\/<\/p>\n<p>https:\/\/www.manufacturedhomepronews.com\/manufactured-housing-institute-housing-alert-affordable-housing-crisis-mhis-nettlesomethings-response\/<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u201cTony\u2026as I think you know, it\u2019s ALWAYS been my position that lease option and rent to own are illegal if they are a \u201cworkaround\u201d for chattel financing, which is what most such schemes are&#8230;\u201d \u2013 MH Industry attorney, not an association exec, in off-the-record comment about his legal perspective about the issue that follows. George &hellip;<\/p>\n<p class=\"read-more\"> <a class=\"ast-button\" href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/manufactured-housing-institutes-three-stooges-seco-leaders-george-f-allen-spencer-roane-tom-lackey-and-rent-to-own-scams\/\"> <span class=\"screen-reader-text\">Manufactured Housing Institute\u2019s Three Stooges? SECO \u2018Leaders\u2019 George F. Allen, Spencer Roane, Tom Lackey and \u2018Rent to Own\u2019 Scams?<\/span> Read More \u00bb<\/a><\/p>\n","protected":false},"author":12,"featured_media":16929,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"default","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","footnotes":""},"categories":[5089,5081,5093,5083,5084,5086,5091,5088],"tags":[286,275,5239,490,5240,5241],"class_list":["post-16999","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-affordable-housing","category-industry-image","category-manufactured-housing-commentary","category-manufactured-housing-industry-education","category-manufactured-housing-industry-reports-news","category-manufactured-housing-institute-mhi","category-regulatory-issues","category-thought-provoking","tag-george-f-allen","tag-manufactured-housing-institute","tag-seco-leaders","tag-spencer-roane","tag-three-stooges","tag-tom-lackey-and-rent-to-own-scams-southeastern-community-owners-symposium"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Manufactured Housing Institute\u2019s Three Stooges? SECO \u2018Leaders\u2019 George F. Allen, Spencer Roane, Tom Lackey and \u2018Rent to Own\u2019 Scams? - Masthead L. A. &#039;Tony&#039; Kovach<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/manufactured-housing-institutes-three-stooges-seco-leaders-george-f-allen-spencer-roane-tom-lackey-and-rent-to-own-scams\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Manufactured Housing Institute\u2019s Three Stooges? SECO \u2018Leaders\u2019 George F. Allen, Spencer Roane, Tom Lackey and \u2018Rent to Own\u2019 Scams? - Masthead L. A. &#039;Tony&#039; Kovach\" \/>\n<meta property=\"og:description\" content=\"\u201cTony\u2026as I think you know, it\u2019s ALWAYS been my position that lease option and rent to own are illegal if they are a \u201cworkaround\u201d for chattel financing, which is what most such schemes are&#8230;\u201d \u2013 MH Industry attorney, not an association exec, in off-the-record comment about his legal perspective about the issue that follows. George &hellip; Manufactured Housing Institute\u2019s Three Stooges? SECO \u2018Leaders\u2019 George F. Allen, Spencer Roane, Tom Lackey and \u2018Rent to Own\u2019 Scams? Read More \u00bb\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/manufactured-housing-institutes-three-stooges-seco-leaders-george-f-allen-spencer-roane-tom-lackey-and-rent-to-own-scams\/\" \/>\n<meta property=\"og:site_name\" content=\"Masthead L. 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