{"id":17577,"date":"2019-12-17T15:13:25","date_gmt":"2019-12-17T21:13:25","guid":{"rendered":"https:\/\/www.manufacturedhomepronews.com\/masthead\/?p=17577"},"modified":"2019-12-27T14:30:10","modified_gmt":"2019-12-27T20:30:10","slug":"evidence-of-epic-corruption-mhi-big-boy-members-hud-fhfa-insider-news-tip-includes-document-drops","status":"publish","type":"post","link":"https:\/\/www.manufacturedhomepronews.com\/masthead\/evidence-of-epic-corruption-mhi-big-boy-members-hud-fhfa-insider-news-tip-includes-document-drops\/","title":{"rendered":"Evidence of Epic Corruption-MHI &#038; \u2018Big Boy Members,\u2019 HUD, FHFA &#8211; Insider News Tip Includes Document Drops"},"content":{"rendered":"<p><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter size-full wp-image-150295\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2019\/12\/EvidenceEpicCorruptoinMHI-HUD-FHFA-NewsTipIncludesDocumentDropsManufacturedHomeProNews.jpg\" alt=\"EvidenceEpicCorruptoinMHI-HUD-FHFA-NewsTipIncludesDocumentDropsManufacturedHomeProNews\" width=\"600\" height=\"315\" \/><\/p>\n<p><img decoding=\"async\" class=\"aligncenter size-full wp-image-150289\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2019\/12\/ItIsEasierToFoolPeopleThanToConvinceThemThatTheyHaveBeenFooledMarkTwainSamuelClemensQuoteMastheadMHProNews.jpg\" alt=\"ItIsEasierToFoolPeopleThanToConvinceThemThatTheyHaveBeenFooledMarkTwainSamuelClemensQuoteMastheadMHProNews\" width=\"600\" height=\"480\" \/><\/p>\n<figure id=\"attachment_117061\" aria-describedby=\"caption-attachment-117061\" style=\"width: 558px\" class=\"wp-caption aligncenter\"><img decoding=\"async\" class=\" wp-image-117061\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2018\/09\/Superficiality-is-the-curse-of-the-modernWorldMatthewKellyQuoteFancyInspirationBlogMHProNews720-2.jpg\" alt=\"Superficiality is the curse of the modernworldmatthewkellyquotefancyinspirationblogmhpronews720 2\" width=\"558\" height=\"218\" \/><figcaption id=\"caption-attachment-117061\" class=\"wp-caption-text\"><i> If you skim this you&#8217;ll likely miss it. <\/i><\/figcaption><\/figure>\n<p>&nbsp;<\/p><div id=\"manuf-44727235\" 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>Epic is a word that\u2019s <em>historic by implication<\/em>.<\/p>\n<p>On a deep dive article, make sure you have some time because Matthew Kelly and Warren Buffett have this in common. One must read for depth of understanding.<\/p>\n<p>Corruption, as our <em>Daily Business News<\/em> reports on <em>MHProNews<\/em> recently reminded readers, includes decades of examples from both major parties.<\/p>\n<p>&nbsp;<\/p>\n<figure id=\"attachment_17632\" aria-describedby=\"caption-attachment-17632\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/new-documents-revealing-layers-of-manufactured-home-industry-organizational-and-public-officials-corruption-spotlight-on-wells-fargo\/\" target=\"_blank\" rel=\"noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-17632\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/NewDocumentsRevealingLayersManufacturedHomeIndustryOrganizationalPublicOfficialsCorruptionSpotlightWellsFargoManufacturedHomeProNews-Copy.png\" alt=\"NewDocumentsRevealingLayersManufacturedHomeIndustryOrganizationalPublicOfficialsCorruptionSpotlightWellsFargoManufacturedHomeProNews - Copy\" width=\"600\" height=\"315\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/NewDocumentsRevealingLayersManufacturedHomeIndustryOrganizationalPublicOfficialsCorruptionSpotlightWellsFargoManufacturedHomeProNews-Copy.png 600w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/NewDocumentsRevealingLayersManufacturedHomeIndustryOrganizationalPublicOfficialsCorruptionSpotlightWellsFargoManufacturedHomeProNews-Copy-575x302.png 575w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/NewDocumentsRevealingLayersManufacturedHomeIndustryOrganizationalPublicOfficialsCorruptionSpotlightWellsFargoManufacturedHomeProNews-Copy-150x79.png 150w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/a><figcaption id=\"caption-attachment-17632\" class=\"wp-caption-text\"><i><a href=\"https:\/\/www.manufacturedhomepronews.com\/new-documents-revealing-layers-of-manufactured-home-industry-organizational-and-public-officials-corruption-spotlight-on-wells-fargo\/\" target=\"_blank\" rel=\"noopener noreferrer\">https:\/\/www.manufacturedhomepronews.com\/new-documents-revealing-layers-of-manufactured-home-industry-organizational-and-public-officials-corruption-spotlight-on-wells-fargo\/<\/a> <\/i><\/figcaption><\/figure>\n<p>&nbsp;<\/p>\n<p>When someone or some organization is caught in a serious lie or malfeasance publicly, they have a few options. Among those are the following.<\/p>\n<ul>\n<li>Come clean, which takes courage and humility.<\/li>\n<li>Double down on the lie, perhaps trying to point towards other\u2019s purported or actual misdeeds as part of the liar\u2019s cover for <em>spinning the truth<\/em>.<\/li>\n<li>Some say that\u2019s duck, dodge, detract, distract or defame.<\/li>\n<li>Use the old \u2018Razzle Dazzle.\u2019<\/li>\n<li>Possible combinations of the above.<\/li>\n<\/ul>\n<p>In trying to posture and Razzle Dazzle their way beyond years of ever-more focused revelations by <em>MHProNews <\/em>and our <em>Manufactured Home Living News<\/em> sister-site, Berkshire Hathaway and \u2018big boy\u2019 brands backed Manufactured Housing Institute (MHI) has arguably developed a stratagem that includes the use of the last few bullets above. Specifically, they enjoy touting photo and video opportunities and <em>Razzle Dazzle<\/em> to counter the evidence of their purported failures, illegalities and misdeeds.<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<figure id=\"attachment_17631\" aria-describedby=\"caption-attachment-17631\" style=\"width: 497px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/national-criminal-justice-reference-service-ncjrs-razzle-dazzle-manufactured-housing-institute-analyzing-the-latest\/\" target=\"_blank\" rel=\"noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" class=\" wp-image-17631\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/NationalCriminalJusticeReferenceServiceNCJRSRazzleDazzleManufacturedHousingInstituteAnalyzingLatestMHProNews.png\" alt=\"NationalCriminalJusticeReferenceServiceNCJRSRazzleDazzleManufacturedHousingInstituteAnalyzingLatestMHProNews\" width=\"497\" height=\"261\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/NationalCriminalJusticeReferenceServiceNCJRSRazzleDazzleManufacturedHousingInstituteAnalyzingLatestMHProNews.png 600w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/NationalCriminalJusticeReferenceServiceNCJRSRazzleDazzleManufacturedHousingInstituteAnalyzingLatestMHProNews-575x302.png 575w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/NationalCriminalJusticeReferenceServiceNCJRSRazzleDazzleManufacturedHousingInstituteAnalyzingLatestMHProNews-150x79.png 150w\" sizes=\"(max-width: 497px) 100vw, 497px\" \/><\/a><figcaption id=\"caption-attachment-17631\" class=\"wp-caption-text\"><i><a href=\"https:\/\/www.manufacturedhomepronews.com\/national-criminal-justice-reference-service-ncjrs-razzle-dazzle-manufactured-housing-institute-analyzing-the-latest\/\" target=\"_blank\" rel=\"noopener noreferrer\">https:\/\/www.manufacturedhomepronews.com\/national-criminal-justice-reference-service-ncjrs-razzle-dazzle-manufactured-housing-institute-analyzing-the-latest\/<\/a> <\/i><\/figcaption><\/figure>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>Note that this razzle dazzle, photo and video op method <em>doesn\u2019t address credible allegations at all<\/em>. They may enhance their &#8216;razzle dazzle&#8217; by having others in the industry echo what they say. But that too fails the test of addressing the foundational allegations directly.<\/p>\n<p>There is a widely acknowledge affordable housing crisis. Manufactured homes as an industry is underperforming during this period. Those are facts. Why is the most proven form of affordable housing in America underperforming? That\u2019s the issue to be addressed or answered.<\/p>\n<p>&nbsp;<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-83998\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2018\/08\/ProblemSolvingZigZiglarFirstStepRecognizetheProblemExistsNextIsProblemOurResponsiblityProblemSolvingVeryImportantDailyBusinessNewsMHProNews.png\" alt=\"ProblemSolvingZigZiglarFirstStepRecognizetheProblemExistsNextIsProblemOurResponsiblityProblemSolvingVeryImportantDailyBusinessNewsMHProNews\" width=\"600\" height=\"358\" \/><\/p>\n<p><b><span style=\"font-size: 10.0pt; font-family: 'Tahoma',sans-serif;\">Inexplicable Oddities?<\/span><\/b><\/p>\n<p>For Example. There are specific laws that have been on the federal books for years that exist specifically to benefit access of lower and moderate income Americans to be able to access affordable housing. In days gone by, the Manufactured Housing Institute (MHI) once used to periodically work with the Manufactured Housing Association for Regulatory Reform (MHARR) to move legislation or to foster implementation of existing legislation.<\/p>\n<p>Who says there used to be cooperation between those two trade bodies? MHI. Where\u2019s the evidence?<\/p>\n<p>Thanks to a fresh document drop from an insider\u2019s tip yesterday, one of several examples of a trove of fresh-to-us documents are shown further below. That will document the point above as well as others.<\/p>\n<p>For the sake of newcomers, investigators, advocates, public officials and others, we\u2019ll walk through this systematically, step-by-step, so the nature of the revelation is clear.<\/p>\n<figure id=\"attachment_17637\" aria-describedby=\"caption-attachment-17637\" style=\"width: 582px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/MastheadWashingtonDCMailchimp2019-12-18_1120ManufacturedHomeProNews.png\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-17637 size-full\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/MastheadWashingtonDCMailchimp2019-12-18_1120ManufacturedHomeProNews.png\" alt=\"MastheadWashingtonDCMailchimp2019-12-18_1120ManufacturedHomeProNews\" width=\"582\" height=\"551\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/MastheadWashingtonDCMailchimp2019-12-18_1120ManufacturedHomeProNews.png 582w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/MastheadWashingtonDCMailchimp2019-12-18_1120ManufacturedHomeProNews-454x430.png 454w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/MastheadWashingtonDCMailchimp2019-12-18_1120ManufacturedHomeProNews-150x142.png 150w\" sizes=\"(max-width: 582px) 100vw, 582px\" \/><\/a><figcaption id=\"caption-attachment-17637\" class=\"wp-caption-text\"><i> For those interested in affordable housing in general and manufactured homes role in housing, the x2 weekly email is the easiest way to keep up with our headlines. Sign ups outpace unsubscribes by some 20 to 1 in recent weeks. <a href=\"https:\/\/www.manufacturedhomepronews.com\/subscribe-to-headline-industry-news\/\" target=\"_blank\" rel=\"noopener noreferrer\">New subscriptions are available in seconds at this link here<\/a>.<\/i><\/figcaption><\/figure>\n<p>Like any case or a Lego house, it has to be built one building block at a time.<\/p>\n<p>As a planning\/programing note, it is our intent to periodically feature elements of one or two documents in planned upcoming reports. As always, <em>MHProNews\u2019<\/em> parent firm encourages \u2018white hats\u2019 working in purported black hat organizations that want to provide news tips to use non-company or non-organizational emails and their own &#8211; not an organizational cell phones &#8211; when sending or communicating information.<\/p>\n<p>&nbsp;<\/p>\n<figure id=\"attachment_150293\" aria-describedby=\"caption-attachment-150293\" style=\"width: 362px\" class=\"wp-caption aligncenter\"><a href=\"mailto:iReportMHNewsTips@mhmsm.com\" target=\"_blank\" rel=\"noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-150293\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2019\/12\/iReportNewsTipsCommentsSendMastheadManufacturedHomeProNews.png\" alt=\"iReportNewsTipsCommentsSendMastheadManufacturedHomeProNews\" width=\"362\" height=\"211\" \/><\/a><figcaption id=\"caption-attachment-150293\" class=\"wp-caption-text\"><i>We recommend that anonymous news tips<strong> DO NOT use company, nonprofit or organizational emails or cell phones<\/strong>. To report a news tip, click the image above or send an email to <a href=\"mailto:iReportMHNewsTips@mhmsm.com\" target=\"_blank\" rel=\"noopener noreferrer\">iReportMHNewsTips@mhmsm.com<\/a> \u2013 To help us spot your message in our volume of email, please put the words NEWS TIP or COMMENTS in the subject line. <\/i><\/figcaption><\/figure>\n<p>&nbsp;<\/p>\n<p>There\u2019s an widely understood affordable housing crisis. Perhaps the most proven resource &#8211; federally regulated HUD Code manufactured homes are being underutilized. Why? Who benefits? Why aren\u2019t Berkshire brands, Clayton Homes and MHI able to seriously move the needle? Is that by accident? Ineptitude? Design?<\/p>\n<p>Let\u2019s look.<\/p>\n<figure id=\"attachment_16830\" aria-describedby=\"caption-attachment-16830\" style=\"width: 594px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/04\/MostMenAppearnNeverConsideredWhatHouseIsNeedlesslyPoorAllTheirLivesHenryDavidThoreauManufacturedHomeLivingNews.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\" wp-image-16830\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/04\/MostMenAppearnNeverConsideredWhatHouseIsNeedlesslyPoorAllTheirLivesHenryDavidThoreauManufacturedHomeLivingNews.jpg\" alt=\"MostMenAppearnNeverConsideredWhatHouseIsNeedlesslyPoorAllTheirLivesHenryDavidThoreauManufacturedHomeLivingNews\" width=\"594\" height=\"457\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/04\/MostMenAppearnNeverConsideredWhatHouseIsNeedlesslyPoorAllTheirLivesHenryDavidThoreauManufacturedHomeLivingNews.jpg 639w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/04\/MostMenAppearnNeverConsideredWhatHouseIsNeedlesslyPoorAllTheirLivesHenryDavidThoreauManufacturedHomeLivingNews-150x115.jpg 150w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/04\/MostMenAppearnNeverConsideredWhatHouseIsNeedlesslyPoorAllTheirLivesHenryDavidThoreauManufacturedHomeLivingNews-558x430.jpg 558w\" sizes=\"(max-width: 594px) 100vw, 594px\" \/><\/a><figcaption id=\"caption-attachment-16830\" class=\"wp-caption-text\"><i> Each photo is of a modern manufactured home, which can be 2400 sq ft or more in size, 1 or 2 levels, set over a basement, or can be as modest as 320 sq ft. These homes are all built to federal construction and safety standards that went into effect on June 15, 1976, administered by HUD, and are thus known as &#8220;HUD Code Manufactured Homes.&#8221; <\/i><\/figcaption><\/figure>\n<p>&nbsp;<\/p>\n<p><strong>Understanding the Epic Nature of this Corruption<\/strong><\/p>\n<p>If someone stole the Mona Lisa and another person saw stolen artwork in a private residence, office or image, it may or may not at first be an apparent crime.<\/p>\n<ul>\n<li>First, the potential witness who see that painting would have to understand the value of the artwork.<\/li>\n<li>Next, they\u2019d have to know that it had been stolen.<\/li>\n<li>Absent those two elements, the crime might be visible yet could go unnoticed for years.<\/li>\n<\/ul>\n<p>By analogy, someone would have to understand that there are federal laws that have been enacted over a decade or nearly two decades ago that have gone under-enforced or have been twisted so badly as to be unrecognized.<\/p>\n<p>How is that possible?<\/p>\n<p>That question is one of the steady themes here. Arguably, MHI recently has been <em>forced<\/em> to <strong>semi-publicly<\/strong> agree that one of those laws were going underenforced.\u00a0 But they only did so to their members in emails not found on their website. <strong>Publicly<\/strong>, they still waffle in a variety of ways that will be revealed in this report and analysis.<\/p>\n<p>The fact that there is any vacillation about implementing good existing laws by MHI or others working with them begs a host of questions about their purported corruption by brands associated with Berkshire Hathaway and other \u2018big boy\u2019 companies.<\/p>\n<p>One specific example is found detailed in the 5 page <a href=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2019\/12\/FHFAVirtual-ListeningSession-12.11.2019L.-A.-TonyKovach-Publisher-MHLivingNewsMHProNews.com-Award-Winning-Manufactured-Home-Industry-Expert-and-Consultant-LATonyKovachMHProNews.pdf\">PowerPoint<\/a> this writer delivered during the Federal Housing Finance Agency (FHFA) virtual listening session on 12.11.2019. See those <a href=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2019\/12\/FHFAVirtual-ListeningSession-12.11.2019L.-A.-TonyKovach-Publisher-MHLivingNewsMHProNews.com-Award-Winning-Manufactured-Home-Industry-Expert-and-Consultant-LATonyKovachMHProNews.pdf\">5 pages via the link here<\/a>.<\/p>\n<p>But then see the report linked via the text-image box below to grasp that PowerPoint in context. That report points to how key individuals at the FHFA, Fannie Mae, Freddie Mac &#8211; along with specific individuals and companies involved with the Manufactured Housing Institute (MHI) &#8211; are arguably involved to various degrees in a collusion to twist, delay, and deflect the law in a manner that has cost millions of Americans billions and billions of dollars and their otherwise rightful part of the American Dream.<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>https:\/\/www.manufacturedhomepronews.com\/berkshire-brand-manufactured-housing-news-tip-collusion-coverup-by-fhfa-gses-revealed\/<\/p>\n<p>&nbsp;<\/p>\n<p>Indeed, if you do the math from the 12.2.2019 Washington D.C. listening session speakers Antoine Thompson, Executive Director of NAREB and Maurice Jourdain Earl of ComplianceTech, you see that the economic impact on minorities is some <strong>$2.1 trillion dollars collectively<\/strong>. That would make Bernie Madoff\u2019s multiple-billion dollar scheme crime seem like petty change by comparison.<\/p>\n<p>&nbsp;<\/p>\n<figure id=\"attachment_150296\" aria-describedby=\"caption-attachment-150296\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.manufacturedhomelivingnews.com\/fhfa-gses-high-cost-to-minorities-all-americans-due-to-asserted-failures-to-follow-duty-to-serve-affordable-housing-existing-federal-laws\/\" target=\"_blank\" rel=\"noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-150296\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2019\/12\/FHFA-GSEsHighCostMinoritiesAllAmericansDueAssertedFailureFollowDutyToServeAffordableHousingExistingFederalLawsManufacturedHomeMast.jpg\" alt=\"FHFA-GSEsHighCostMinoritiesAllAmericansDueAssertedFailureFollowDutyToServeAffordableHousingExistingFederalLawsManufacturedHomeMast\" width=\"600\" height=\"315\" \/><\/a><figcaption id=\"caption-attachment-150296\" class=\"wp-caption-text\"><i><a href=\"https:\/\/www.manufacturedhomelivingnews.com\/fhfa-gses-high-cost-to-minorities-all-americans-due-to-asserted-failures-to-follow-duty-to-serve-affordable-housing-existing-federal-laws\/\" target=\"_blank\" rel=\"noopener noreferrer\">https:\/\/www.manufacturedhomelivingnews.com\/fhfa-gses-high-cost-to-minorities-all-americans-due-to-asserted-failures-to-follow-duty-to-serve-affordable-housing-existing-federal-laws\/<\/a> <\/i><\/figcaption><\/figure>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><strong>Bipartisan or Nonpartisan Courage Needed<\/strong><\/p>\n<p>When the nature, dollars involved and depth of the issues being discussed at the D.C. FHFA Listening Session was mentioned in conversation, I was asked Sunday if my life was in danger. It was an astute and sincere question from a friend who is quite familiar with manufactured housing.<\/p>\n<p>We\u2019ve indeed received several anonymous threats by mail, which federal officials were made aware of afterward. Because of what some of those anonymous letters contained, the senders may have thought we would never reveal the contents \u2013 they are embarrassing. Not illegal, just <em>embarrassing<\/em>. It was a subtle form of blackmail, said one official.<\/p>\n<p>That federal official also said that the nature of the subtle threats, the variety of insights sent by mail made it clear that whomever sent it were researching my life in depth. The fact that illicit mail came from multiple parts of the U.S. also said something.<\/p>\n<p>There was also a phone call from someone I personally know after the specific documents sent in the package below arrived. Perhaps it was a well intended note of concern. Perhaps it was a direct threat, as the individual has clear ties to MHI. Investigators need to question him either way. Why? Because that well placed person specifically said several times, \u2018<span style=\"color: #800000;\"><strong>you need to consider that mailed package a death threat<\/strong><\/span>.\u2019<\/p>\n<figure id=\"attachment_142143\" aria-describedby=\"caption-attachment-142143\" style=\"width: 294px\" class=\"wp-caption alignleft\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-142143\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2019\/07\/EnvelopeMailedApril2017imageCreditMHProNews-.jpg\" alt=\"EnvelopeMailedApril2017imageCreditMHProNews-\" width=\"294\" height=\"214\" \/><figcaption id=\"caption-attachment-142143\" class=\"wp-caption-text\"><i> No return address. But there were clues as to who sent it. <\/i><\/figcaption><\/figure>\n<p>There have been other various warnings from friends, foes and strangers. Our response has been to take basic precautions, including publicly acknowledging the various threats.<\/p>\n<p>There have been several contacts by attorneys and others who have clear ties to MHI. There have been two so far this month. We look at what the attorneys have to say.\u00a0 It is typically a threat of what will happen if we don\u2019t remove this or that article or portion of an article. We believe we are well within the law and our constitutionally protected rights. We politely tell those lawyers with ties to MHI to go fly a kite and then explain why we think they are wrong. So far, that\u2019s worked. No legal action yet. But in America, anyone can at least launch a suit for most any reason. Time will tell if they decide to take it to the next level. If they do, <a href=\"https:\/\/www.manufacturedhomepronews.com\/lanham-act-monopolistic-housing-institute-err-manufactured-housing-institute-legal-bullies-and-you\/\">they\u2019ve already been told what will come next<\/a>.<\/p>\n<p>If Google whistleblowers or former NYC Mayor Rudy Giuliani \u2013 among others &#8211; think taking safeguards are prudent moves, similar steps plus prayer are what we do too.<\/p>\n<p>That\u2019s not said for any reason other than to state reality and the gravity and scope of the matters being described. People do and say odd things when billions of dollars are involved. When millions of people could be upset if they grasp what is occurring at their expense, that too would cause some \u2018black hats\u2019 possible angst.<\/p>\n<p>&nbsp;<\/p>\n<p><strong>Limited Numbers of Leaders<\/strong><\/p>\n<p>The Omaha-Knoxville-Arlington axis and their allies can be traced back to an arguably small group of specific leaders. Those ring-leaders issue instructions that others follow. It can all look innocent enough on the surface. Those carrying out the instructions may think nothing of it.<\/p>\n<p>That\u2019s part of the devious brilliance of their plan.<\/p>\n<ul>\n<li>It is hiding in plain sight.<\/li>\n<li>It is easier to do than one might think.<\/li>\n<li>A few can pull the strings while others dance, without question.<\/li>\n<\/ul>\n<p>For example. The president and CEO of MHI is\/will be mere figure head(s), a water carrier for the instructions of the MHI Executive Committee. When the history of the MHI Executive Committee\u2019s leaders are traced back, you have to return to the brief leadership of Don Glisson, Jr. from Triad Financial Services &#8211; now part of publicly traded ECN &#8211; in order to find a chairman without a personal cloud and\/or some scandal(s) that involve the MHI chair\u2019s company.<\/p>\n<p>Two examples illustrate the allegation.<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<figure id=\"attachment_138448\" aria-describedby=\"caption-attachment-138448\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-138448\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2019\/02\/ManufacturedHousingInstituteLogoMHIBoardOfDirectorsLogoMHIExecutiveCommittee-1.jpg\" alt=\"ManufacturedHousingInstituteLogoMHIBoardOfDirectorsLogoMHIExecutiveCommittee\" width=\"600\" height=\"449\" \/><figcaption id=\"caption-attachment-138448\" class=\"wp-caption-text\"><i> Outsiders looking in may not fully grasp the bold and nuanced issues that impact the industry, and thus publicly traded firms too. Few if any MHI members are arguably giving the proper disclosures to their current or potential shareholders. <\/i><\/figcaption><\/figure>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-147014\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2019\/10\/ManufacturedHousingInstituteBoardDirectorsMHIWebsiteTomHodgesEricHamiltonJoeStegmayerManufacturedHomeProNews.png\" alt=\"ManufacturedHousingInstituteBoardDirectorsMHIWebsiteTomHodgesEricHamiltonJoeStegmayerManufacturedHomeProNews\" width=\"597\" height=\"532\" \/><\/p>\n<p><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/SSKCommunitiesNathanSmithTimWilliams21stMortgageCorpTomHodgesClaytonHomesManufacturedHousingInstituteMHProNews.png\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-17647\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/SSKCommunitiesNathanSmithTimWilliams21stMortgageCorpTomHodgesClaytonHomesManufacturedHousingInstituteMHProNews.png\" alt=\"SSKCommunitiesNathanSmithTimWilliams21stMortgageCorpTomHodgesClaytonHomesManufacturedHousingInstituteMHProNews\" width=\"600\" height=\"662\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/SSKCommunitiesNathanSmithTimWilliams21stMortgageCorpTomHodgesClaytonHomesManufacturedHousingInstituteMHProNews.png 709w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/SSKCommunitiesNathanSmithTimWilliams21stMortgageCorpTomHodgesClaytonHomesManufacturedHousingInstituteMHProNews-390x430.png 390w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/SSKCommunitiesNathanSmithTimWilliams21stMortgageCorpTomHodgesClaytonHomesManufacturedHousingInstituteMHProNews-696x768.png 696w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/SSKCommunitiesNathanSmithTimWilliams21stMortgageCorpTomHodgesClaytonHomesManufacturedHousingInstituteMHProNews-136x150.png 136w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/a><\/p>\n<p>If outgoing President and CEO Richard \u2018Dick\u2019 Jennison hadn\u2019t jumped every time the MHI chair or a big boy called, and had he crossed them instead of obeyed them, MHI\u2019s staff leader could have swiftly found himself at the curb with his own threatening letters reminding him to stay silent.<\/p>\n<p>Ditto for Lesli Gooch, Ph.D., EVP and incoming MHI CEO, or Mark Bowersox, SVP and incoming president. MHI staff sign NDAs \u2013 nondisclosure agreements. They toe the line or they could face consequences; that&#8217;s the word heard.<\/p>\n<p>Once the organizational realities at MHI begin to emerge, and any illusion that MHI is some saintly organization melts, then the mind opens to the possibilities that yes, more serious corruption <em>could<\/em> be involved.<\/p>\n<p>This writer was on the inside of MHI for some 7 years. I was a regular at MHI meetings. I was elected by my peers to sit on the Suppliers Division board of directors. I was praised by elected and staff leaders. All of the held until the point certain questions I asked &#8211; initially politely and sincerely put to them from me during meeting &#8211; were being answered in an entirely unsatisfying manner. To evidence a sample of praise, one of many possibilities is below.<\/p>\n<p>&nbsp;<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-138797\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2019\/05\/TimWilliamsToRephraseMHITonyBothCorrectThereisNoDaylight21stMortgageCorpMHIChairmmanufacturedHousingProNews.jpg\" alt=\"TimWilliamsToRephraseMHITonyBothCorrectThereisNoDaylight21stMortgageCorpMHIChairmmanufacturedHousingProNews\" width=\"593\" height=\"424\" \/><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>Repeating questions and concerns in our publications brought messages from the likes of Kevin Clayton, Joe Stegmayer and Tim Williams.<\/li>\n<li>Before, during and later \u2013 there were letters or messages from MHI staff or outside attorneys. All of that is a matter of record.<\/li>\n<li>The Boys in the Band better hope my email doesn\u2019t get hacked, because it\u2019s a treasure trove of evidence for someone in law enforcement that understands the nuances of our industry.<\/li>\n<\/ul>\n<p>Frankly, as I\u2019ve admitted before, I was <em>slow <\/em>on the uptake. It was obvious that much was wrong.\u00a0 But they had an excuse that seemed plausible \u2013 if intellectually errant &#8211; for every question I or others asked. Maybe it was too big or too subtle?<\/p>\n<p>Even as I questioned them, I periodically defended MHI publicly, but would make suggestions and more to leadership privately, in articles or during meetings. It is <em>not<\/em> my way to begin with allegations. People are deemed innocent until proven guilty is the legal standard in America. I agree with that standard and other God-given Constitutional protected safeguards.<\/p>\n<p>That said, one must grasp the nature of a crime(s) or illicit action(s) in order to even begin an allegation of possible wrongdoing. Frankly, I think the Boys in the Band understood me before I understood myself. They played me for a time, that I see and admit in hindsight.<\/p>\n<p>&nbsp;<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-132019\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2018\/11\/AnnParmanVPManufacturedHousingInstituteMHILogoLATonyKovachMobileManufacturedHomeLivingNewsMHProNews800.jpg\" alt=\"AnnParmanVPManufacturedHousingInstituteMHILogoLATonyKovachMobileManufacturedHomeLivingNewsMHProNews800\" width=\"590\" height=\"787\" \/><\/p>\n<p>&nbsp;<\/p>\n<figure id=\"attachment_142590\" aria-describedby=\"caption-attachment-142590\" style=\"width: 594px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\" wp-image-142590\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2019\/07\/BobStovallMatthewSilverLATonyKovachEngagingMediaManufacturedHOusingInstitute2019-07-14_0913ManufacturedHomeProNews.png\" alt=\"BobStovallMatthewSilverLATonyKovachEngagingMediaManufacturedHOusingInstitute2019-07-14_0913ManufacturedHomeProNews\" width=\"594\" height=\"428\" \/><figcaption id=\"caption-attachment-142590\" class=\"wp-caption-text\"><i> This presentation was repeated by Bob Stovall and Tony Kovach at other events. <\/i><\/figcaption><\/figure>\n<p><iframe src=\"https:\/\/player.vimeo.com\/video\/206179886\" width=\"576\" height=\"324\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><span class=\"mce_SELRES_start\" style=\"width: 0px; line-height: 0; overflow: hidden; display: inline-block;\" data-mce-type=\"bookmark\">\ufeff<\/span><\/iframe><\/p>\n<p>&nbsp;<\/p>\n<p>Fool me once, shame on you. Fool me twice, shame on me. Once the light bulb went off, there was more and more to see in a new light.<\/p>\n<p>That video by Jennison above occurred a few months after the short video clip below. The manufactured home industry at that time was barely recovering from the worst downturn in the industry\u2019s history. Jennison during a friendly interview made the incredible statement on camera that the industry should recover <em>slowly.<\/em> What? Thousands of businesses had been lost in the downturn. Others were still struggling. Jennison suggested on camera that they should want to recover <em>slowly? <\/em><\/p>\n<p>&nbsp;<\/p>\n<p><iframe src=\"https:\/\/player.vimeo.com\/video\/232349890\" width=\"576\" height=\"324\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><span class=\"mce_SELRES_start\" style=\"width: 0px; line-height: 0; overflow: hidden; display: inline-block;\" data-mce-type=\"bookmark\">\ufeff<\/span><\/iframe><\/p>\n<p>&nbsp;<\/p>\n<p>It was one of several things that made no sense. Another that made no sense to me that MHI weren\u2019t pushing hard for &#8216;enhanced preemption.&#8217; I\u2019d also ask about possible avenues of financing options, or propose some myself. That merits a separate report.<\/p>\n<p>That said, I took that video statement Jennison made immediately above up the food chain to the MHI president and CEO\u2019s boss. That boss \u2013 Tim Williams\/21st Mortgage Corp was the MHI chair at the time &#8211; said he\u2019d take care of it.<\/p>\n<p>Indeed, in one sense, Williams did.<\/p>\n<p>At the very next big industry event, Jennison publicly pulled a 180 \u2013 also on camera \u2013 that the manufactured home industry could achieve <strong>500,000<\/strong> new manufactured home shipments. Okay, great. From <strong>under 100,000 units<\/strong> to <strong>half-a-million<\/strong>. We concur with the goal and potential. But where was the MHI plan to achieve that goal?<\/p>\n<p>&nbsp;<\/p>\n<p>https:\/\/www.manufacturedhomepronews.com\/mhi-ceo-dick-jennisons-pledge-500000-new-manufactured-home-shipments\/<\/p>\n<p>&nbsp;<\/p>\n<p><strong>First Concerns, Later Documentary Evidence &#8211; A Big Shoe Drops<\/strong><\/p>\n<p>At first, before the true nature of the scheme was discovered, there are many possibilities why someone or some group could be doing or saying things in seemingly odd ways.<\/p>\n<p>But once the documentary evidence of wrongdoing began to be placed in my hands, then we had more than questions.<\/p>\n<p>The report linked below is viewed by some who\u2019ve read it, including attorneys and public officials, as \u2018smoking gun\u2019 evidence of alleged antitrust and other possible legal violation(s). Documents from 21st Mortgage Corporation, statements by Warren Buffett to Berkshire shareholders, and a video interview by a Berkshire-friendly fellow name Robert Miles &#8211; if carefully read and viewed by a white collar crimes or business expert \u2013 are allegedly <strong>evidence of antitrust violations<\/strong>, that arguably includes, but is not limited to, <strong>evidence of RICO, deceptive trade practices<\/strong> and other violations of law and\/or regulations.<\/p>\n<p>&nbsp;<\/p>\n<figure id=\"attachment_138508\" aria-describedby=\"caption-attachment-138508\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><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 noreferrer\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-138508\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2019\/05\/SmokingGunEvidenceOfAntiTrustMonopolisticCollusionMoatClaytonHomesKevinClayton21stMortgageTimWilliamsWarrenBuffettMHLivingNewsMHProNews.jpg\" alt=\"SmokingGunEvidenceOfAntiTrustMonopolisticCollusionMoatClaytonHomesKevinClayton21stMortgageTimWilliamsWarrenBuffettMHLivingNewsMHProNews\" width=\"600\" height=\"315\" \/><\/a><figcaption id=\"caption-attachment-138508\" class=\"wp-caption-text\"><i>Smoking Gun?!? In a series of direct quotes from Warren Buffett in context, a document from 21st Mortgage signed by Tim Williams, a Berkshire brand in MH Financing, and video recorded comments by Kevin Clayton, these all line up to demonstrate how independent retailers, communities, and producers \u2013 among others \u2013 where purportedly harmed by action that could be deemed an antitrust violation. <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 noreferrer\">https:\/\/www.manufacturedhomelivingnews.com\/bridging-gap-affordable-housing-solution-yields-higher-pay-more-wealth-but-corrupt-rigged-billionaires-moat-is-barrier\/<\/a><\/i><\/figcaption><\/figure>\n<p>&nbsp;<\/p>\n<p>When asked to comment on, rebut, discuss or debate those concerns, we repeatedly get <a href=\"https:\/\/www.manufacturedhomepronews.com\/clayton-homes-21st-mortgage-mhvillage-manufactured-housing-institute-leaders-challenged\/\" target=\"_blank\" rel=\"noopener noreferrer\">crickets from Knoxville and Arlington<\/a>. We weren\u2019t the only ones in media raising concerns about Clayton and their lending. Our concerns were similar but different \u2013 more precise.<\/p>\n<p>But it was other actions and inactions that drew my concerns prior to those documents from 21<sup>st<\/sup> Mortgage Corporation being delivered to us as news tips. The <em>powers that be<\/em> no doubt know it. Based upon numerous \u2018over the target\u2019 reactions, over the last few years, their efforts to purportedly threaten, intimidation tactics, attacks on our business interests and more in hindsight will only compound their exposure.<\/p>\n<p>Not only may some within their orbit talk. There are those <a href=\"https:\/\/www.manufacturedhomepronews.com\/initial-reactions-from-mhi-other-industry-members-to-manufactured-housing-institute-crossmod-homes-announcement\/\" target=\"_blank\" rel=\"noopener noreferrer\">within MHI<\/a> who are already expressing themselves, in words, documents and deeds. The powers that be in MHVille know it, we do too.<\/p>\n<p><span style=\"display: inline !important; float: none; background-color: #ffffff; color: #3a3a3a; cursor: text; font-family: Georgia,'Times New Roman','Bitstream Charter',Times,serif; font-size: 100%; font-style: inherit; font-variant: normal; font-weight: inherit; letter-spacing: normal; orphans: 2; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; -webkit-text-stroke-width: 0px; white-space: normal; word-spacing: 0px;\">[cp_popup display=&#8221;inline&#8221; style_id=&#8221;146657&#8243; step_id = &#8220;1&#8221;][\/cp_popup]<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><strong>The Madoff Analogy \u2013 No One is Above the Law<\/strong><\/p>\n<p>We began this unexpected chapter in our professional career of blowing the whistle as our understanding grew. So did related challenges.<\/p>\n<ul>\n<li>One, we are accusing the third or fourth richest man in the world &#8211; one Warren Buffett, and his business and nonprofit interests &#8211; in possible crimes and violations of various state and federal laws. That\u2019s not easy for investigators to swallow, even if they believe you and the evidence you present.<\/li>\n<li>Two, even if you find women or men with the chutzpah to say, \u201c<span style=\"color: #800000;\"><strong>no one is above the law<\/strong><\/span>,\u201d those public officials proceed with caution. They take time. They have other cases they are working. Meanwhile, allegedly corrupt behavior continues. As another analogy, any number of celebrities in recent years that have fallen from grace at first \u2018got away with\u2019 purported misdeeds for years.<\/li>\n<li><strong>But three, there is the question. How do you paint the picture for busy people of what\u2019s occurred and ongoing in affordable housing in a manner that an outsider looking in can grasp?<\/strong> After all, <em>manufactured housing is misunderstood to begin with<\/em>. The reputation of the industry is less than ideal. All of that makes telling this story more challenging.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>It wasn\u2019t until we were reminded of the clue that Harry Markapolis described in the docu-drama <em>Chasing Madoff<\/em> &#8211; that a similar analogy finally hit us recently.<\/p>\n<p>&nbsp;<\/p>\n<p><iframe src=\"https:\/\/www.youtube.com\/embed\/b3uqDEMcOME\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/p>\n<p>&nbsp;<\/p>\n<p>Here is the two-part analogy.<\/p>\n<p>In <em>Chasing Madoff,<\/em> Markapolis says when he saw the <strong>straight lines on Bernie Madoff\u2019s claims of investment performance, he knew in minutes on an instinctive basis that something was wrong<\/strong>. The graphic we created below illustrates that point.<\/p>\n<p>&nbsp;<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-150303\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2019\/12\/ChasingMadoffStillTellHarryMarkopolosCavcoIndustriesManufacturedHomeProNews436x768.jpg\" alt=\"ChasingMadoffStillTellHarryMarkopolosCavcoIndustriesManufacturedHomeProNews436x768\" width=\"436\" height=\"768\" \/><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-150302\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2019\/12\/BernieMadoffPhotosWikiManufacturedHomeProNewsCommentary310x768.jpg\" alt=\"BernieMadoffPhotosWikiManufacturedHomeProNewsCommentary310x768\" width=\"310\" height=\"768\" \/><\/p>\n<p>&nbsp;<\/p>\n<p>What is the similar analogy with manufactured housing? What\u2019s something so clear that it will make an intelligent person say, \u2018<span style=\"color: #800000;\"><strong>hey, you\u2019re right. That is odd<\/strong><\/span>.\u2019<\/p>\n<p>There are decades of research that proves that typically concerns about manufactured housing are mistaken. This pull quote from the National Association of Realtors (NAR) Certified Business Economist (CBE) Scholastica \u2018Gay\u2019 Cororaton sets the stage.<\/p>\n<p>&nbsp;<\/p>\n<figure id=\"attachment_132475\" aria-describedby=\"caption-attachment-132475\" style=\"width: 575px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.manufacturedhomelivingnews.com\/realtor-university-the-market-for-manufactured-homes-research-by-scholastica-cororaton-certified-business-economist-highlights\/\" target=\"_blank\" rel=\"noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-132475\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2019\/02\/CompareMobileHomeTrailersPastManufacturedHomesSaferMoreDurableQuoteScholasticiaGayCororationPhotoSmallPercentageDamagedDuring-575x279.png\" alt=\"CompareMobileHomeTrailersPastManufacturedHomesSaferMoreDurableQuoteScholasticiaGayCororationPhotoSmallPercentageDamagedDuring-575x279\" width=\"575\" height=\"279\" \/><\/a><figcaption id=\"caption-attachment-132475\" class=\"wp-caption-text\"><i><a href=\"https:\/\/www.manufacturedhomelivingnews.com\/realtor-university-the-market-for-manufactured-homes-research-by-scholastica-cororaton-certified-business-economist-highlights\/\" target=\"_blank\" rel=\"noopener noreferrer\">https:\/\/www.manufacturedhomelivingnews.com\/realtor-university-the-market-for-manufactured-homes-research-by-scholastica-cororaton-certified-business-economist-highlights\/<\/a> <\/i><\/figcaption><\/figure>\n<p>&nbsp;<\/p>\n<p>Then this from the reported first doctoral dissertation involving manufactured housing in years. Bear in mind that dissertations are peer reviewed and must meet very strictly defined standards.<\/p>\n<p>&nbsp;<\/p>\n<figure id=\"attachment_138679\" aria-describedby=\"caption-attachment-138679\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.manufacturedhomelivingnews.com\/ultimate-reporters-researchers-affordable-housing-advocates-or-shoppers-3rd-party-research-reports-on-mobile-homes-manufactured-homes-and-modular-housing\/\" target=\"_blank\" rel=\"noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-138679\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2019\/05\/EvidenceDisprovedMisconceptionStereptypesContinuedInfluenceLocalGovernmentsRestrictionsQuoteLisaTylerPhDExamingCommunityAttitudesManufacturedHousingMHProNews.jpg\" alt=\"EvidenceDisprovedMisconceptionStereptypesContinuedInfluenceLocalGovernmentsRestrictionsQuoteLisaTylerPhDExamingCommunityAttitudesManufacturedHousingMHProNews\" width=\"600\" height=\"189\" \/><\/a><figcaption id=\"caption-attachment-138679\" class=\"wp-caption-text\"><i><a href=\"https:\/\/www.manufacturedhomelivingnews.com\/ultimate-reporters-researchers-affordable-housing-advocates-or-shoppers-3rd-party-research-reports-on-mobile-homes-manufactured-homes-and-modular-housing\/\" target=\"_blank\" rel=\"noopener noreferrer\">https:\/\/www.manufacturedhomelivingnews.com\/ultimate-reporters-researchers-affordable-housing-advocates-or-shoppers-3rd-party-research-reports-on-mobile-homes-manufactured-homes-and-modular-housing\/<\/a> <\/i><\/figcaption><\/figure>\n<p>&nbsp;<\/p>\n<p>First, when manufactured housing is struggling to recover, why are the authors of such useful comments not on the Manufactured Housing Institute (MHI) website?<\/p>\n<p>&nbsp;<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-150290\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2019\/12\/ScholasticaGayCororatonLisaTylerManufacturedHousingInstituteMHIwebsiteSearchMHProNews.png\" alt=\"ScholasticaGayCororatonLisaTylerManufacturedHousingInstituteMHIwebsiteSearchMHProNews\" width=\"603\" height=\"407\" \/><\/p>\n<p>&nbsp;<\/p>\n<p>Isn\u2019t the norm in marketing to buttress your claims with third-party testimonials whenever you can? Aren\u2019t those testimonials even more useful when you had little or nothing to do with those findings?<\/p>\n<p>It\u2019s therefore<em> logically\u00a0inexplicable<\/em> that such evidence be missing from MHI\u2019s website&#8230;<\/p>\n<p>&#8230;<strong>unless the powers that be &#8211; for some reason &#8211; wanted it to be so<\/strong>. Recall, MHI staff carries out the directions of the MHI Executive Committee.<\/p>\n<p>Then there\u2019s this second part of what should be an aha, light bulb moment.<\/p>\n<p>When Warren Buffett led Berkshire Hathaway bought into manufactured housing, the industry had reportedly already hit bottom. Who said? Consider the report summaries linked below.<\/p>\n<figure id=\"attachment_17594\" aria-describedby=\"caption-attachment-17594\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/JenniferReingoldQuestionedBerkshireClaytonDealMHIGSEsRockedByTipDocumentDropPlusManufacturedHomeInvestingStockUpdatesMHProNews.png\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-17594\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/JenniferReingoldQuestionedBerkshireClaytonDealMHIGSEsRockedByTipDocumentDropPlusManufacturedHomeInvestingStockUpdatesMHProNews.png\" alt=\"JenniferReingoldQuestionedBerkshireClaytonDealMHIGSEsRockedByTipDocumentDropPlusManufacturedHomeInvestingStockUpdatesMHProNews\" width=\"600\" height=\"315\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/JenniferReingoldQuestionedBerkshireClaytonDealMHIGSEsRockedByTipDocumentDropPlusManufacturedHomeInvestingStockUpdatesMHProNews.png 600w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/JenniferReingoldQuestionedBerkshireClaytonDealMHIGSEsRockedByTipDocumentDropPlusManufacturedHomeInvestingStockUpdatesMHProNews-575x302.png 575w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/JenniferReingoldQuestionedBerkshireClaytonDealMHIGSEsRockedByTipDocumentDropPlusManufacturedHomeInvestingStockUpdatesMHProNews-150x79.png 150w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/a><figcaption id=\"caption-attachment-17594\" class=\"wp-caption-text\"><i><a href=\"https:\/\/www.manufacturedhomepronews.com\/jennifer-reingold-questioned-berkshire-clayton-deal-mhi-gses-rocked-by-tip-document-drop-plus-manufactured-home-investing-stock-updates\/\" target=\"_blank\" rel=\"noopener noreferrer\">https:\/\/www.manufacturedhomepronews.com\/jennifer-reingold-questioned-berkshire-clayton-deal-mhi-gses-rocked-by-tip-document-drop-plus-manufactured-home-investing-stock-updates\/<\/a> <\/i><\/figcaption><\/figure>\n<p>&nbsp;<\/p>\n<p>So, per <a href=\"https:\/\/www.manufacturedhomepronews.com\/jennifer-reingold-questioned-berkshire-clayton-deal-mhi-gses-rocked-by-tip-document-drop-plus-manufactured-home-investing-stock-updates\/\" target=\"_blank\" rel=\"noopener noreferrer\"><em>Fast Company <\/em><\/a>or others, manufactured housing had bottomed out. It was poised to recover. That\u2019s a Warren Buffett dream, based upon his own mantras.<\/p>\n<figure id=\"attachment_136329\" aria-describedby=\"caption-attachment-136329\" style=\"width: 604px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\" wp-image-136329\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2019\/04\/WarrenBuffettAZQuoteCriticalFactorDetermineValuePayFairBargainPriceMHProNews.jpg\" alt=\"WarrenBuffettAZQuoteCriticalFactorDetermineValuePayFairBargainPriceMHProNews\" width=\"604\" height=\"284\" \/><figcaption id=\"caption-attachment-136329\" class=\"wp-caption-text\"><i> By keeping the market underperforming, it de facto causes all business in it to be undervalued. Just luck, or is it part of the Buffett &#8216;Castle and Moat&#8217; strategic plan to create a slowly developing monopoly? <\/i><\/figcaption><\/figure>\n<p>&nbsp;<\/p>\n<p>Here\u2019s the graphic of new manufactured housing shipments from before Buffett-Berkshire\u2019s buy-out of Clayton Homes, and since.<\/p>\n<p>&nbsp;<\/p>\n<figure id=\"attachment_149257\" aria-describedby=\"caption-attachment-149257\" style=\"width: 610px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-149257\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2019\/11\/BloombergShipmentsgraphicBerkshireHathawayClaytonHomesManufacturedHomesDownYearOverYear2019vs2018.jpg\" alt=\"BloombergShipmentsgraphicBerkshireHathawayClaytonHomesManufacturedHomesDownYearOverYear2019vs2018\" width=\"610\" height=\"412\" \/><figcaption id=\"caption-attachment-149257\" class=\"wp-caption-text\"><i> Since Buffett bought Clayton and other pieces of the manufactured housing industry, the industry is actually selling fewer new homes today than in 2003. How is that possible during an affordable housing crisis?<strong> Given Buffett&#8217;s assets, the BH Media Group, and over $128 billion in the liquid assets, doesn&#8217;t it seem logical that manufactured housing is underperforming because that is what Buffett wants at this time?<\/strong> <\/i><\/figcaption><\/figure>\n<p>&nbsp;<\/p>\n<p>Now stop and think.<\/p>\n<ul>\n<li>The nation has an unquenchable thirst for affordable housing.<\/li>\n<li>The Manufactured Housing Improvement Act (MHIA) of 2000 had just become federal law.<\/li>\n<li>That law includes so many useful consumer safeguards, it\u2019s nothing short of impressive.<\/li>\n<li>Among the provisions of the MHIA law beyond installation standards, code updates, third-party inspectors and the dispute resolution program that is vastly superior to what a conventional housing buyer can expect is a provision that are two simple words.<\/li>\n<li>Those words are federal \u201c<span style=\"color: #800000;\"><strong>enhanced preemption<\/strong><\/span>.\u201d<\/li>\n<\/ul>\n<p>Those two words are like legal gold for affordable housing for anyone who grasps their meaning in an affordable housing crisis.<\/p>\n<p>MHI and the Manufactured Association for Regulatory Reform (MHARR) worked together with a coalition of states to pass the MHIA and federal enhanced preemption of manufactured housing into law.<\/p>\n<p>Producers routinely understand the meaning of the law. Longer term state association directors do too.<\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/JDHarperHUD-CodeEnhancedPreemptionManufacturedHousingImprovementAct2000IndustryVoicesJDHarperAMAADailyBusinessNewsMHProNews1024x510.png\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-medium wp-image-17598\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/JDHarperHUD-CodeEnhancedPreemptionManufacturedHousingImprovementAct2000IndustryVoicesJDHarperAMAADailyBusinessNewsMHProNews1024x510-575x286.png\" alt=\"EvidenceEpicCorruptoinMHI-HUD-FHFA-NewsTipIncludesDocumentDropsManufacturedHomeProNews\" width=\"575\" height=\"286\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/JDHarperHUD-CodeEnhancedPreemptionManufacturedHousingImprovementAct2000IndustryVoicesJDHarperAMAADailyBusinessNewsMHProNews1024x510-575x286.png 575w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/JDHarperHUD-CodeEnhancedPreemptionManufacturedHousingImprovementAct2000IndustryVoicesJDHarperAMAADailyBusinessNewsMHProNews1024x510-150x75.png 150w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/JDHarperHUD-CodeEnhancedPreemptionManufacturedHousingImprovementAct2000IndustryVoicesJDHarperAMAADailyBusinessNewsMHProNews1024x510-768x383.png 768w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/JDHarperHUD-CodeEnhancedPreemptionManufacturedHousingImprovementAct2000IndustryVoicesJDHarperAMAADailyBusinessNewsMHProNews1024x510.png 1024w\" sizes=\"(max-width: 575px) 100vw, 575px\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<p>We recently got Bill Matchneer, J.D. to say the following on the record. Recall that Matchneer headed up HUD\u2019s Office of Manufactured Housing Programs (OMHP). It was his job to know.<\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/TermEnhancedPreemptionManufacturedHousingImprovementAct2000WilliamBillMatchneerPhotoFormerHUDOfficeManufacturedHousingProgramsMasthead.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-medium wp-image-17599\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/TermEnhancedPreemptionManufacturedHousingImprovementAct2000WilliamBillMatchneerPhotoFormerHUDOfficeManufacturedHousingProgramsMasthead-575x259.jpg\" alt=\"TermEnhancedPreemptionManufacturedHousingImprovementAct2000WilliamBillMatchneerPhotoFormerHUDOfficeManufacturedHousingProgramsMasthead\" width=\"575\" height=\"259\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/TermEnhancedPreemptionManufacturedHousingImprovementAct2000WilliamBillMatchneerPhotoFormerHUDOfficeManufacturedHousingProgramsMasthead-575x259.jpg 575w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/TermEnhancedPreemptionManufacturedHousingImprovementAct2000WilliamBillMatchneerPhotoFormerHUDOfficeManufacturedHousingProgramsMasthead-150x68.jpg 150w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/TermEnhancedPreemptionManufacturedHousingImprovementAct2000WilliamBillMatchneerPhotoFormerHUDOfficeManufacturedHousingProgramsMasthead.jpg 674w\" sizes=\"(max-width: 575px) 100vw, 575px\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<p>But to grasp the meaning and true value the following from Mark Weiss, J.D.<\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/09\/MarkWeissManufacturedHousingImprovementAct2000EnhancedPreemptionImportanceConsumersIndependentsManufacturedHomeProNews.png\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-17455\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/09\/MarkWeissManufacturedHousingImprovementAct2000EnhancedPreemptionImportanceConsumersIndependentsManufacturedHomeProNews-575x417.png\" alt=\"MarkWeissManufacturedHousingImprovementAct2000EnhancedPreemptionImportanceConsumersIndependentsManufacturedHomeProNews\" width=\"603\" height=\"437\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/09\/MarkWeissManufacturedHousingImprovementAct2000EnhancedPreemptionImportanceConsumersIndependentsManufacturedHomeProNews-575x417.png 575w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/09\/MarkWeissManufacturedHousingImprovementAct2000EnhancedPreemptionImportanceConsumersIndependentsManufacturedHomeProNews-150x109.png 150w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/09\/MarkWeissManufacturedHousingImprovementAct2000EnhancedPreemptionImportanceConsumersIndependentsManufacturedHomeProNews-768x558.png 768w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/09\/MarkWeissManufacturedHousingImprovementAct2000EnhancedPreemptionImportanceConsumersIndependentsManufacturedHomeProNews.png 825w\" sizes=\"(max-width: 603px) 100vw, 603px\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<p>Rephrased,<\/p>\n<ul>\n<li><strong>goodbye NIMBY<\/strong>.<\/li>\n<li>Hello placement of manufactured homes in numbers of potential residential areas, not just rural ones.<\/li>\n<\/ul>\n<p><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2016\/08\/NIMBYnotInMyBackYard.png\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-12221 aligncenter\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2016\/08\/NIMBYnotInMyBackYard-575x359.png\" alt=\"NIMBYnotInMyBackYard\" width=\"379\" height=\"237\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2016\/08\/NIMBYnotInMyBackYard-575x359.png 575w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2016\/08\/NIMBYnotInMyBackYard-150x94.png 150w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2016\/08\/NIMBYnotInMyBackYard.png 642w\" sizes=\"(max-width: 379px) 100vw, 379px\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>If you have a factory that builds to the HUD Code plus have retail distribution, you&#8217;d have a legal license to print money. Why? Because affordable housing is so necessary.<\/li>\n<li>Unlike public housing programs, the manufactured housing program costs HUD comparative chicken feed. A recent inside the beltway type said it was something like $12 million in 2018\u2019s budget out of a total budget of about $44 billion dollars.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><strong>The Rub?<\/strong><\/p>\n<p>Anytime you have something new emerging, there is pushback from the old. Before going deeper, consider this from Richard Genz, in third party research for the Fannie Mae Foundation.<\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/RichardGenzAffordableHousingConsultantPullQuotesFannieMaeFoundationReportManufacturedHousingManufacturedHomeProNews422x768.png\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-17600\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/RichardGenzAffordableHousingConsultantPullQuotesFannieMaeFoundationReportManufacturedHousingManufacturedHomeProNews422x768.png\" alt=\"RichardGenzAffordableHousingConsultantPullQuotesFannieMaeFoundationReportManufacturedHousingManufacturedHomeProNews422x768\" width=\"422\" height=\"768\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/RichardGenzAffordableHousingConsultantPullQuotesFannieMaeFoundationReportManufacturedHousingManufacturedHomeProNews422x768.png 422w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/RichardGenzAffordableHousingConsultantPullQuotesFannieMaeFoundationReportManufacturedHousingManufacturedHomeProNews422x768-236x430.png 236w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/RichardGenzAffordableHousingConsultantPullQuotesFannieMaeFoundationReportManufacturedHousingManufacturedHomeProNews422x768-82x150.png 82w\" sizes=\"(max-width: 422px) 100vw, 422px\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<p>Genz wasn\u2019t alone. Eric Belsky, currently with the Federal Reserve, was with Harvard\u2019s prestigious Joint Center for Housing Studies (JCHS) when he said the following.<\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/05\/MultipleReasonsExpectManufacturedHousingDoBetterThanSiteBuiltHousingEricBelskyEecDirJointCenterHousingStudiesHarvardUnivDailyBusinessNewsMHProNews.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-17125\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/05\/MultipleReasonsExpectManufacturedHousingDoBetterThanSiteBuiltHousingEricBelskyEecDirJointCenterHousingStudiesHarvardUnivDailyBusinessNewsMHProNews.jpg\" alt=\"MultipleReasonsExpectManufacturedHousingDoBetterThanSiteBuiltHousingEricBelskyEecDirJointCenterHousingStudiesHarvardUnivDailyBusinessNewsMHProNews\" width=\"598\" height=\"251\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/05\/MultipleReasonsExpectManufacturedHousingDoBetterThanSiteBuiltHousingEricBelskyEecDirJointCenterHousingStudiesHarvardUnivDailyBusinessNewsMHProNews.jpg 763w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/05\/MultipleReasonsExpectManufacturedHousingDoBetterThanSiteBuiltHousingEricBelskyEecDirJointCenterHousingStudiesHarvardUnivDailyBusinessNewsMHProNews-150x63.jpg 150w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/05\/MultipleReasonsExpectManufacturedHousingDoBetterThanSiteBuiltHousingEricBelskyEecDirJointCenterHousingStudiesHarvardUnivDailyBusinessNewsMHProNews-575x241.jpg 575w\" sizes=\"(max-width: 598px) 100vw, 598px\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<p>Now, those two outside expert views are just the sort of thing that Buffett-the-reader might be interested in before he bought bankrupt Oakwood and then Clayton Homes in 2003. Kevin Clayton brags in that softball interview found near the end of 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 noreferrer\">report linked here<\/a> that \u201c<span style=\"color: #800000;\"><strong>Warren<\/strong><\/span>\u201d keeps up with most industries. Let\u2019s take that at face value.<\/p>\n<p>So,<\/p>\n<ul>\n<li>America is perennially in need of affordable housing.<\/li>\n<li>Congress just passed the MHIA of 2000.<\/li>\n<li>Enhanced preemption is the law.<\/li>\n<li>Buffett-led Berkshire already owns Oakwood.<\/li>\n<li>Then he buys Clayton after what several sources including Kevin Clayton said in that video interview was an ugly legal battle.<\/li>\n<\/ul>\n<p>Of course, Buffett wanted Clayton Homes.<\/p>\n<p>With Buffett-led Berkshire buying Clayton, Berkshire already had Oakwood, and had the cash to do lending and carry loans in portfolio made by lenders like 21st Mortgage Corporation and Vanderbilt Mortgage and Finance (VMF), it\u2019s potentially a license to print money.<\/p>\n<p>So then why did the industry continue its downward slide after a brief bump up from FEMA shipments post Hurricane Katrina?<\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/ManufacturedHomeShipmentsProductionSkylineChampionManufacturedHousingIndustryManufacturedHomeProNewsMast643x768.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-17603\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/ManufacturedHomeShipmentsProductionSkylineChampionManufacturedHousingIndustryManufacturedHomeProNewsMast643x768.jpg\" alt=\"ManufacturedHomeShipmentsProductionSkylineChampionManufacturedHousingIndustryManufacturedHomeProNewsMast643x768\" width=\"599\" height=\"715\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/ManufacturedHomeShipmentsProductionSkylineChampionManufacturedHousingIndustryManufacturedHomeProNewsMast643x768.jpg 643w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/ManufacturedHomeShipmentsProductionSkylineChampionManufacturedHousingIndustryManufacturedHomeProNewsMast643x768-360x430.jpg 360w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/ManufacturedHomeShipmentsProductionSkylineChampionManufacturedHousingIndustryManufacturedHomeProNewsMast643x768-126x150.jpg 126w\" sizes=\"(max-width: 599px) 100vw, 599px\" \/><\/a><\/p>\n<figure id=\"attachment_17602\" aria-describedby=\"caption-attachment-17602\" style=\"width: 603px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/October2019ManufacturedHousingShipmentsTopTENStateMHARRlogoMHProNewsLogoManufacturedHomeProNews.png\"><img loading=\"lazy\" decoding=\"async\" class=\" wp-image-17602\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/October2019ManufacturedHousingShipmentsTopTENStateMHARRlogoMHProNewsLogoManufacturedHomeProNews.png\" alt=\"October2019ManufacturedHousingShipmentsTopTENStateMHARRlogoMHProNewsLogoManufacturedHomeProNews\" width=\"603\" height=\"283\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/October2019ManufacturedHousingShipmentsTopTENStateMHARRlogoMHProNewsLogoManufacturedHomeProNews.png 884w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/October2019ManufacturedHousingShipmentsTopTENStateMHARRlogoMHProNewsLogoManufacturedHomeProNews-575x270.png 575w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/October2019ManufacturedHousingShipmentsTopTENStateMHARRlogoMHProNewsLogoManufacturedHomeProNews-150x70.png 150w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/October2019ManufacturedHousingShipmentsTopTENStateMHARRlogoMHProNewsLogoManufacturedHomeProNews-768x361.png 768w\" sizes=\"(max-width: 603px) 100vw, 603px\" \/><\/a><figcaption id=\"caption-attachment-17602\" class=\"wp-caption-text\"><em>Manufactured home shipments are DOWN year over year in 2019 vs. 2018. Is a clear thinker truly to believe that during an affordable housing crisis, that Berkshire and Clayton don&#8217;t have the ability to grow the market if they wanted to do so? That they couldn&#8217;t supply what MHI needed to do the same if that was their wish? The truth is hiding in plain sight.<\/em><\/figcaption><\/figure>\n<p>For a savvy person like Buffett, that\u2019s a $64 billion a year question possible from just Manufactured Housing. No exaggeration. For those who do the math, that\u2019s about 8 times more than the industry is currently doing. How many industries can you think of that have an 800 percent upside potential that\u2019s legal? Especially in an established field for a basic necessity, like housing?<\/p>\n<p>It\u2019s an opportunity of a lifetime, hiding in plain sight.<\/p>\n<p>So, if you think long-term \u2013 like Buffett says he does \u2013 rather than short-term, which Legacy Housing\u2019s Curt Hodgson says much of the industry does, what do you do?<\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/09\/CurtHodgsonPhotoLegacyHousingLEGHQuoteIndustryFullPeopleDontThinkVeryFarOutLegacyViewAddressConcernsLimitingManufacuturedHousingEffectiveAffordableHousingMHLivingNews.png\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-17509\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/09\/CurtHodgsonPhotoLegacyHousingLEGHQuoteIndustryFullPeopleDontThinkVeryFarOutLegacyViewAddressConcernsLimitingManufacuturedHousingEffectiveAffordableHousingMHLivingNews.png\" alt=\"CurtHodgsonPhotoLegacyHousingLEGHQuoteIndustryFullPeopleDontThinkVeryFarOutLegacyViewAddressConcernsLimitingManufacuturedHousingEffectiveAffordableHousingMHLivingNews\" width=\"600\" height=\"296\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/09\/CurtHodgsonPhotoLegacyHousingLEGHQuoteIndustryFullPeopleDontThinkVeryFarOutLegacyViewAddressConcernsLimitingManufacuturedHousingEffectiveAffordableHousingMHLivingNews.png 600w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/09\/CurtHodgsonPhotoLegacyHousingLEGHQuoteIndustryFullPeopleDontThinkVeryFarOutLegacyViewAddressConcernsLimitingManufacuturedHousingEffectiveAffordableHousingMHLivingNews-150x74.png 150w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/09\/CurtHodgsonPhotoLegacyHousingLEGHQuoteIndustryFullPeopleDontThinkVeryFarOutLegacyViewAddressConcernsLimitingManufacuturedHousingEffectiveAffordableHousingMHLivingNews-575x284.png 575w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<p>If you have an industry that is already misunderstood by much of the population, and has gone through a scandalous meltdown in the eyes of Wall Street, what do you do if you are Buffett-led Berkshire?<\/p>\n<p>You could buy into and grow the industry, right? After all, <a href=\"https:\/\/www.manufacturedhomelivingnews.com\/bridging-gap-affordable-housing-solution-yields-higher-pay-more-wealth-but-corrupt-rigged-billionaires-moat-is-barrier\/\">Kevin Clayton brags about \u201cWarren\u201d telling him that there is \u2018plenty of money\u2019 to do whatever they want in the video near the end of the report on the page linked here<\/a>.<\/p>\n<p>But that\u2019s not what happened. New manufactured home shipments <em>declined <\/em>after Katrina. With Kevin\u2019s supposed savvy, and Buffett-led Berkshire\u2019s billions, <strong>how is it possible <\/strong>that the industry overall witnessed a <em>decline<\/em> in new manufactured home shipments?<\/p>\n<p>That\u2019s where the savage brilliance of Buffett\u2019s Castle and Moat come into play.<\/p>\n<p>&nbsp;<\/p>\n<figure id=\"attachment_17291\" aria-describedby=\"caption-attachment-17291\" style=\"width: 519px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/07\/UnderstandingWarrenBuffettCastleMoatMetaphorsQuotesMastheadManufacturedHousingIndustryAnalysisMHProNews-519x768.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-17291\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/07\/UnderstandingWarrenBuffettCastleMoatMetaphorsQuotesMastheadManufacturedHousingIndustryAnalysisMHProNews-519x768.jpg\" alt=\"UnderstandingWarrenBuffettCastleMoatMetaphorsQuotesMastheadManufacturedHousingIndustryAnalysisMHProNews-519x768\" width=\"519\" height=\"768\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/07\/UnderstandingWarrenBuffettCastleMoatMetaphorsQuotesMastheadManufacturedHousingIndustryAnalysisMHProNews-519x768.jpg 519w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/07\/UnderstandingWarrenBuffettCastleMoatMetaphorsQuotesMastheadManufacturedHousingIndustryAnalysisMHProNews-519x768-101x150.jpg 101w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/07\/UnderstandingWarrenBuffettCastleMoatMetaphorsQuotesMastheadManufacturedHousingIndustryAnalysisMHProNews-519x768-291x430.jpg 291w\" sizes=\"(max-width: 519px) 100vw, 519px\" \/><\/a><figcaption id=\"caption-attachment-17291\" class=\"wp-caption-text\"><i> This is a key to understanding they dynamics of MHVille. Buffett&#8217;s &#8216;strategic moat&#8217; or &#8216;Castle and Moat&#8217; principle is arguably designed to create a slow motion monopoly that may escape the notice of regulators by appearing on the surface to be market forces at work. So there are efforts at promotion, but they are routinely overshadowed by more successful efforts to undermine the industry&#8217;s image. <\/i><\/figcaption><\/figure>\n<figure id=\"attachment_17517\" aria-describedby=\"caption-attachment-17517\" style=\"width: 577px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/09\/ZillowHomeBuyerTrendsComparedConventionalTownhouseMobileManufacturedHomesCondoesDuplexesMHLivingNewsTonyKovach.png\"><img loading=\"lazy\" decoding=\"async\" class=\" wp-image-17517\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/09\/ZillowHomeBuyerTrendsComparedConventionalTownhouseMobileManufacturedHomesCondoesDuplexesMHLivingNewsTonyKovach.png\" alt=\"ZillowHomeBuyerTrendsComparedConventionalTownhouseMobileManufacturedHomesCondoesDuplexesMHLivingNewsTonyKovach\" width=\"577\" height=\"303\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/09\/ZillowHomeBuyerTrendsComparedConventionalTownhouseMobileManufacturedHomesCondoesDuplexesMHLivingNewsTonyKovach.png 600w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/09\/ZillowHomeBuyerTrendsComparedConventionalTownhouseMobileManufacturedHomesCondoesDuplexesMHLivingNewsTonyKovach-150x79.png 150w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/09\/ZillowHomeBuyerTrendsComparedConventionalTownhouseMobileManufacturedHomesCondoesDuplexesMHLivingNewsTonyKovach-575x302.png 575w\" sizes=\"(max-width: 577px) 100vw, 577px\" \/><\/a><figcaption id=\"caption-attachment-17517\" class=\"wp-caption-text\"><a href=\"https:\/\/www.manufacturedhomelivingnews.com\/zillow-home-buyer-trends-compared-conventional-townhouse-mobile-or-manufactured-homes-condos-and-duplexes\/\" target=\"_blank\" rel=\"noopener noreferrer\"><i>https:\/\/www.manufacturedhomelivingnews.com\/zillow-home-buyer-trends-compared-conventional-townhouse-mobile-or-manufactured-homes-condos-and-duplexes\/<\/i><\/a><\/figcaption><\/figure>\n<p>Never forget that even though Buffett famously said \u2018<span style=\"color: #800000;\"><strong>never lose money<\/strong><\/span>,\u2019 Kevin Clayton very specifically said that it would be \u2018<strong><span style=\"color: #800000;\">okay with Warren<\/span>\u2019<\/strong> if he \u2018<strong><span style=\"color: #800000;\">lost money for 5 years<\/span><\/strong>,\u2019 as long as Clayton Homes would \u2018<span style=\"color: #800000;\"><strong>deepen and widen their Moat<\/strong><\/span>.\u2019 That, said Kevin in the video linked in the next paragraph, is part of the Buffett way.<\/p>\n<p>You simply can\u2019t understand what\u2019s occurred in manufactured housing without grasping the arguably illegal scheme to rig the market in broad daylight that is <a href=\"https:\/\/www.manufacturedhomelivingnews.com\/bridging-gap-affordable-housing-solution-yields-higher-pay-more-wealth-but-corrupt-rigged-billionaires-moat-is-barrier\/\">described in detail with graphics, key documents and charts at this link here<\/a>.<\/p>\n<p>But there\u2019s more.<\/p>\n<p>To decode Kevin Clayton, you have to keep in mind that some of what he says \u2013 ala Buffett himself \u2013 is true. Some of what Kevin says \u2013 ala Buffett \u2013 is arguably a head fake. It may be a mix of truth mixed with pretty lies.<\/p>\n<p>The art of spin or paltering is to say something that on the surface <em>appears<\/em> to be true. But if you dig deeper, you begin to grasp that what looked plausible in fact was a mixture of the true and the false. We allege that\u2019s routinely the case with Buffett, Berkshire, Clayton and MHI.<\/p>\n<p>&nbsp;<\/p>\n<p>https:\/\/www.manufacturedhomepronews.com\/paltering-manufactured-homes-crossmodtm-homes-manufactured-housing-institute-clayton-homes-berkshire-hathaway-manufactured-home-lenders-dts-and-you\/<\/p>\n<p>&nbsp;<\/p>\n<p>Think for a moment. Buffett\u2019s Berkshire could have bought ALL of the production in manufactured housing in 2003. Why didn\u2019t he?<\/p>\n<p>Two words. Antitrust laws.<\/p>\n<p>So, what did Buffett do instead?<\/p>\n<p>Berkshire bought two big chunks \u2013 bankrupt Oakwood and faltering Clayton Homes \u2013 <a href=\"https:\/\/www.manufacturedhomepronews.com\/jennifer-reingold-questioned-berkshire-clayton-deal-mhi-gses-rocked-by-tip-document-drop-plus-manufactured-home-investing-stock-updates\/\">both per sources at a bargain<\/a>. Then, instead of doing what Harvard\u2019s Eric Belsky predicted would occur \u2013 that manufactured housing would surpass conventional housing in new construction starts by 2010, what he and key allies arguably did instead was drive the industry <em>down <\/em>through seemingly plausible \u2018market circumstances.\u2019<\/p>\n<p>Unless you knew the industry very well, and were paying attention to it full time, at a glance, what was occurring in MHVille looked believable. Let&#8217;s rephrase that last point. By allowing\/driving the industry into decline through a variety of machinations, Berkshire and a few larger or favored firms can consolidate the industry at a discount. Doing this in a way that looks &#8216;natural&#8217; &#8211; as opposed to these events occurring through market manipulation &#8211; could readily escape scrutiny. To illustrate the point, as a multi-decade expert in the industry, I missed this for years.\u00a0 If I and others in the industry missed it, why wouldn&#8217;t federal officials?<\/p>\n<p>So, here are the <strong>Harry Markopolos style twin reveals<\/strong> that something is terribly wrong in manufactured housing that signals possible illegalities of epic proportions.<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li><strong>You have an industry that is misunderstood by millions but is in fact far better than the vast majority of people realize<\/strong>. That\u2019s not hot air, that\u2019s based upon credible third party research. There is over twenty years of such studies found as downloads in the report linked below.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<figure id=\"attachment_17192\" aria-describedby=\"caption-attachment-17192\" style=\"width: 545px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/06\/UltimateReportersResearchersAffordableHousingAdvocatesShoppers3\u2019rdPartyResearchReportsMobileHomesManufacturedHomesModularHousingMHLivingNews.jpg\" target=\"_blank\" rel=\"noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-17192\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/06\/UltimateReportersResearchersAffordableHousingAdvocatesShoppers3\u2019rdPartyResearchReportsMobileHomesManufacturedHomesModularHousingMHLivingNews.jpg\" alt=\"UltimateReportersResearchersAffordableHousingAdvocatesShoppers3\u2019rdPartyResearchReportsMobileHomesManufacturedHomesModularHousingMHLivingNews\" width=\"545\" height=\"286\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/06\/UltimateReportersResearchersAffordableHousingAdvocatesShoppers3\u2019rdPartyResearchReportsMobileHomesManufacturedHomesModularHousingMHLivingNews.jpg 600w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/06\/UltimateReportersResearchersAffordableHousingAdvocatesShoppers3\u2019rdPartyResearchReportsMobileHomesManufacturedHomesModularHousingMHLivingNews-150x79.jpg 150w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/06\/UltimateReportersResearchersAffordableHousingAdvocatesShoppers3\u2019rdPartyResearchReportsMobileHomesManufacturedHomesModularHousingMHLivingNews-575x302.jpg 575w\" sizes=\"(max-width: 545px) 100vw, 545px\" \/><\/a><figcaption id=\"caption-attachment-17192\" class=\"wp-caption-text\"><a href=\"https:\/\/www.manufacturedhomelivingnews.com\/ultimate-reporters-researchers-affordable-housing-advocates-or-shoppers-3rd-party-research-reports-on-mobile-homes-manufactured-homes-and-modular-housing\/\" target=\"_blank\" rel=\"noopener noreferrer\">https:\/\/www.manufacturedhomelivingnews.com\/ultimate-reporters-researchers-affordable-housing-advocates-or-shoppers-3rd-party-research-reports-on-mobile-homes-manufactured-homes-and-modular-housing\/<\/a><\/figcaption><\/figure>\n<p>&nbsp;<\/p>\n<ul>\n<li>But add to that the following. <strong>Buffett might have taken the manufactured home industry up, but never \u2013 due to antitrust laws \u2013 be able to get as much of the pie as he\u2019d like<\/strong>. Instead \u2013 thinking long term \u2013 you have your Clayton unit manager and associated lenders work to take the industry DOWN. Then, slowly over time, you pick up the pieces at a discount while you increase your market share.<\/li>\n<\/ul>\n<p>Outrageous? That claim is demonstrably what occurred statistically.<\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/07\/ClaytonHomesOakwoodHomesBerkshireHathawayMarketShareofManufacturedHousingEndof2003MHanufacturedHousingIndust.png\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-17294\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/07\/ClaytonHomesOakwoodHomesBerkshireHathawayMarketShareofManufacturedHousingEndof2003MHanufacturedHousingIndust.png\" alt=\"ClaytonHomesOakwoodHomesBerkshireHathawayMarketShareofManufacturedHousingEndof2003MHanufacturedHousingIndust\" width=\"597\" height=\"298\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/07\/ClaytonHomesOakwoodHomesBerkshireHathawayMarketShareofManufacturedHousingEndof2003MHanufacturedHousingIndust.png 597w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/07\/ClaytonHomesOakwoodHomesBerkshireHathawayMarketShareofManufacturedHousingEndof2003MHanufacturedHousingIndust-150x75.png 150w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/07\/ClaytonHomesOakwoodHomesBerkshireHathawayMarketShareofManufacturedHousingEndof2003MHanufacturedHousingIndust-575x287.png 575w\" sizes=\"(max-width: 597px) 100vw, 597px\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<p>That happens to fits the Buffett \u201cCastle and Moat\u201d mantra, would tend to avoid antitrust laws and other possible scrutiny.<\/p>\n<figure id=\"attachment_16821\" aria-describedby=\"caption-attachment-16821\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/04\/ClaytonHomesSkylineChampionCavcoIndustriesBalanceofIndustryManufacturedHousingIndustryConsolidationGraphicPieChartMHProNews-e.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-16821 size-full\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/04\/ClaytonHomesSkylineChampionCavcoIndustriesBalanceofIndustryManufacturedHousingIndustryConsolidationGraphicPieChartMHProNews-e.jpg\" alt=\"ClaytonHomesSkylineChampionCavcoIndustriesBalanceofIndustryManufacturedHousingIndustryConsolidationGraphicPieChartMHProNews-e\" width=\"600\" height=\"379\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/04\/ClaytonHomesSkylineChampionCavcoIndustriesBalanceofIndustryManufacturedHousingIndustryConsolidationGraphicPieChartMHProNews-e.jpg 600w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/04\/ClaytonHomesSkylineChampionCavcoIndustriesBalanceofIndustryManufacturedHousingIndustryConsolidationGraphicPieChartMHProNews-e-150x95.jpg 150w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/04\/ClaytonHomesSkylineChampionCavcoIndustriesBalanceofIndustryManufacturedHousingIndustryConsolidationGraphicPieChartMHProNews-e-575x363.jpg 575w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/a><figcaption id=\"caption-attachment-16821\" class=\"wp-caption-text\"><i> By choking off other lending in direct and indirect fashion, Clayton has been able to build a strategic moat that arguably strikes fear into thousands in the industry. <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 noreferrer\">See the details and evidence, which Clayton has not disputed, linked here<\/a>.<\/i><\/figcaption><\/figure>\n<p>&nbsp;<\/p>\n<p>But what\u2019s truly evil genius, in this purported scheme, are the following.<\/p>\n<p>Listen to what Clayton said in the annotated version of the video interview with care. We changed no words, while adding hints and notes as to the implicit meaning. Knowing that some is straight up true, others are pretty words arguably designed to deceive, here are two keys that must be grasped.<\/p>\n<p>&nbsp;<\/p>\n<p><iframe src=\"https:\/\/player.vimeo.com\/video\/254350462\" width=\"576\" height=\"324\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/p>\n<p>&nbsp;<\/p>\n<ol>\n<li><strong>You weaponize nonprofits for your benefit<\/strong>. That\u2019s not how Kevin describes it but notice the enthusiasm of Clayton as he tells interviewer Robert P. Miles about what he learned from Buffett about nonprofits. Hold Kevin\u2019s enthusiasm in mind. Then ponder the possibility of using nonprofits as a tool for creating an atmosphere useful for fueling your plans to conquer manufactured housing without having to pay full price or face the wrath of the FTC and DOJ for antitrust or other violations.<\/li>\n<li><strong>You weaponize nonprofits on both sides of issues that matter to manufactured housing<\/strong>. For example, progressive and activist nonprofits are used oppose certain business practices, while you have another nonprofit promote the opposite. Let the clash of those forces create media storms that periodically fuel the black eye of the industry.<\/li>\n<\/ol>\n<p>&nbsp;<\/p>\n<p>Is that pure fantasy? Some conspiracy theory? Hardly. There\u2019s solid evidence for it. Look at the report linked below.<\/p>\n<p>&nbsp;<\/p>\n<figure id=\"attachment_17658\" aria-describedby=\"caption-attachment-17658\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/prosperity-now-nonprofits-sustain-john-olivers-mobile-homes-video-in-their-reports\/\" target=\"_blank\" rel=\"noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-17658\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/ProsperityNowBuffettBerkshireNonprofitsSustainJohnOliversMobileHomesVideoInTheirReportsManufacturedHomeProNews.jpg\" alt=\"ProsperityNowBuffettBerkshireNonprofitsSustainJohnOliversMobileHomesVideoInTheirReportsManufacturedHomeProNews\" width=\"600\" height=\"315\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/ProsperityNowBuffettBerkshireNonprofitsSustainJohnOliversMobileHomesVideoInTheirReportsManufacturedHomeProNews.jpg 600w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/ProsperityNowBuffettBerkshireNonprofitsSustainJohnOliversMobileHomesVideoInTheirReportsManufacturedHomeProNews-575x302.jpg 575w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/ProsperityNowBuffettBerkshireNonprofitsSustainJohnOliversMobileHomesVideoInTheirReportsManufacturedHomeProNews-150x79.jpg 150w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/a><figcaption id=\"caption-attachment-17658\" class=\"wp-caption-text\"><i><a href=\"https:\/\/www.manufacturedhomepronews.com\/prosperity-now-nonprofits-sustain-john-olivers-mobile-homes-video-in-their-reports\/\" target=\"_blank\" rel=\"noopener noreferrer\">https:\/\/www.manufacturedhomepronews.com\/prosperity-now-nonprofits-sustain-john-olivers-mobile-homes-video-in-their-reports\/<\/a> <\/i><\/figcaption><\/figure>\n<p>&nbsp;<\/p>\n<p>As with this entire report, keep in mind that if you skim it, you\u2019ll miss important elements. Buffett is arguably <em>counting<\/em> on you or others skimming this. He is counting on you caring nothing about history too.<\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/04\/InBusinessWorldTheRearViewMirrorIsALwaysClearerThantheWindshieldWarrenBuffettVASpapinquoteManufacturedHousingIndustryMHProNews.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-16953\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/04\/InBusinessWorldTheRearViewMirrorIsALwaysClearerThantheWindshieldWarrenBuffettVASpapinquoteManufacturedHousingIndustryMHProNews.jpg\" alt=\"InBusinessWorldTheRearViewMirrorIsALwaysClearerThantheWindshieldWarrenBuffettVASpapinquoteManufacturedHousingIndustryMHProNews\" width=\"557\" height=\"376\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/04\/InBusinessWorldTheRearViewMirrorIsALwaysClearerThantheWindshieldWarrenBuffettVASpapinquoteManufacturedHousingIndustryMHProNews.jpg 557w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/04\/InBusinessWorldTheRearViewMirrorIsALwaysClearerThantheWindshieldWarrenBuffettVASpapinquoteManufacturedHousingIndustryMHProNews-150x101.jpg 150w\" sizes=\"(max-width: 557px) 100vw, 557px\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<p>But Buffett himself is a big believer in history. He just may not call it history, rather, he may utilize a euphuism like the rear view mirror.<\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/07\/WarrenBuffettQuoteThereIsClassWarfareAllRightButItsMyClassTheRichClassThatsMakingWarWereWinningManufacturedHousingMHProNews.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-17302\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/07\/WarrenBuffettQuoteThereIsClassWarfareAllRightButItsMyClassTheRichClassThatsMakingWarWereWinningManufacturedHousingMHProNews.jpg\" alt=\"WarrenBuffettQuoteThereIsClassWarfareAllRightButItsMyClassTheRichClassThatsMakingWarWereWinningManufacturedHousingMHProNews\" width=\"600\" height=\"282\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/07\/WarrenBuffettQuoteThereIsClassWarfareAllRightButItsMyClassTheRichClassThatsMakingWarWereWinningManufacturedHousingMHProNews.jpg 600w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/07\/WarrenBuffettQuoteThereIsClassWarfareAllRightButItsMyClassTheRichClassThatsMakingWarWereWinningManufacturedHousingMHProNews-150x71.jpg 150w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/07\/WarrenBuffettQuoteThereIsClassWarfareAllRightButItsMyClassTheRichClassThatsMakingWarWereWinningManufacturedHousingMHProNews-575x270.jpg 575w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<p>What Buffett and his minions didn\u2019t count on was stalwarts like MHARR, that wouldn\u2019t sell out or be merged to MHI, though they tried.<\/p>\n<p>So instead, they are trying to undermine MHARR by buying out, forcing into bankruptcy, or otherwise having an allied enterprise such as Cavco Industries acquire pieces of MHARR\u2019s membership.<\/p>\n<p>&nbsp;<\/p>\n<figure id=\"attachment_17606\" aria-describedby=\"caption-attachment-17606\" style=\"width: 592px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/CavcoAcquisitionsManufacturedHousingIndustryManufacturedHomeProNews1024x680.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\" wp-image-17606\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/CavcoAcquisitionsManufacturedHousingIndustryManufacturedHomeProNews1024x680.jpg\" alt=\"CavcoAcquisitionsManufacturedHousingIndustryManufacturedHomeProNews1024x680\" width=\"592\" height=\"393\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/CavcoAcquisitionsManufacturedHousingIndustryManufacturedHomeProNews1024x680.jpg 1024w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/CavcoAcquisitionsManufacturedHousingIndustryManufacturedHomeProNews1024x680-575x382.jpg 575w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/CavcoAcquisitionsManufacturedHousingIndustryManufacturedHomeProNews1024x680-150x100.jpg 150w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/CavcoAcquisitionsManufacturedHousingIndustryManufacturedHomeProNews1024x680-768x510.jpg 768w\" sizes=\"(max-width: 592px) 100vw, 592px\" \/><\/a><figcaption id=\"caption-attachment-17606\" class=\"wp-caption-text\"><i> Not only has Clayton Homes grown steadily during this &#8216;choke off the lending&#8217; and related &#8216;moat building&#8217; campaign strategic deployments, but other &#8216;allied&#8217; firms like Cavco Industries has grown significantly too. It should be noted that Cavco is under an SEC subpoena. There is not much word about the details, other than that Cavco was warned not to trade in another firm&#8217;s stock. <\/i><\/figcaption><\/figure>\n<p>&nbsp;<\/p>\n<p>As last night\u2019s report revealed, the Third Avenue &#8216;value fund&#8217; is another key that unlocks the door of understanding manufactured housing\u2019s dilemma today. So too is the fact that Joe Stegmayer is a former Clayton Homes division president.<\/p>\n<p>&nbsp;<\/p>\n<figure id=\"attachment_17659\" aria-describedby=\"caption-attachment-17659\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/jennifer-reingold-questioned-berkshire-clayton-deal-mhi-gses-rocked-by-tip-document-drop-plus-manufactured-home-investing-stock-updates\/\" target=\"_blank\" rel=\"noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-17659 size-full\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/JenniferReingoldQuestionedBerkshireClaytonDealMHIGSEsRockedByTipDocumentDropPlusManufacturedHomeInvestingStockUpdatesMHProNews-1.png\" alt=\"JenniferReingoldQuestionedBerkshireClaytonDealMHIGSEsRockedByTipDocumentDropPlusManufacturedHomeInvestingStockUpdatesMHProNews\" width=\"600\" height=\"315\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/JenniferReingoldQuestionedBerkshireClaytonDealMHIGSEsRockedByTipDocumentDropPlusManufacturedHomeInvestingStockUpdatesMHProNews-1.png 600w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/JenniferReingoldQuestionedBerkshireClaytonDealMHIGSEsRockedByTipDocumentDropPlusManufacturedHomeInvestingStockUpdatesMHProNews-1-575x302.png 575w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/JenniferReingoldQuestionedBerkshireClaytonDealMHIGSEsRockedByTipDocumentDropPlusManufacturedHomeInvestingStockUpdatesMHProNews-1-150x79.png 150w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/a><figcaption id=\"caption-attachment-17659\" class=\"wp-caption-text\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/jennifer-reingold-questioned-berkshire-clayton-deal-mhi-gses-rocked-by-tip-document-drop-plus-manufactured-home-investing-stock-updates\/\" target=\"_blank\" rel=\"noopener noreferrer\"><em>https:\/\/www.manufacturedhomepronews.com\/jennifer-reingold-questioned-berkshire-clayton-deal-mhi-gses-rocked-by-tip-document-drop-plus-manufactured-home-investing-stock-updates\/<\/em><\/a><\/figcaption><\/figure>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/04\/GoodBusinessIsLikeAStrongCastleWithaDeepMoatAroundItSharksIntheMoatIwantItUntouchableWarrenBuffettQuoteMHProNews.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-16992\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/04\/GoodBusinessIsLikeAStrongCastleWithaDeepMoatAroundItSharksIntheMoatIwantItUntouchableWarrenBuffettQuoteMHProNews.jpg\" alt=\"GoodBusinessIsLikeAStrongCastleWithaDeepMoatAroundItSharksIntheMoatIwantItUntouchableWarrenBuffettQuoteMHProNews\" width=\"594\" height=\"457\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/04\/GoodBusinessIsLikeAStrongCastleWithaDeepMoatAroundItSharksIntheMoatIwantItUntouchableWarrenBuffettQuoteMHProNews.jpg 616w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/04\/GoodBusinessIsLikeAStrongCastleWithaDeepMoatAroundItSharksIntheMoatIwantItUntouchableWarrenBuffettQuoteMHProNews-150x115.jpg 150w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/04\/GoodBusinessIsLikeAStrongCastleWithaDeepMoatAroundItSharksIntheMoatIwantItUntouchableWarrenBuffettQuoteMHProNews-559x430.jpg 559w\" sizes=\"(max-width: 594px) 100vw, 594px\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<p>Another thing that Buffett and company didn\u2019t count on was encountering someone in manufactured housing that<\/p>\n<ul>\n<li>loved business management,<\/li>\n<li>loved the manufactured home industry,<\/li>\n<li>believe in the industry,<\/li>\n<li>and who also loved writing and history. Moi.<\/li>\n<li>Someone who may not be a choir boy or boy scout, but who has on several occasions reported criminal activity to the appropriate authorities. Among the items in my collection of stuff virtual and digital is a letter from a three-letter federal agency thanking me for helping arrest and convict a corrupt state official, credit bureau staffer and a front man who was willing to \u2018fix\u2019 anyone\u2019s credit illegally for a fee.<\/li>\n<li>But there are other examples, past or more recent. At another three-letter federal agency, there is someone that used to have a significant role with respect to our industry that is no longer there. The <em><a href=\"https:\/\/manufacturedhousingassociationregulatoryreform.org\/washington-post-article-underscores-clear-need-for-an-independent-post-production-association\/\">Washington Post reported it one way<\/a><\/em>. I\u2019m not saying they are wrong, but they didn\u2019t have the full story.<\/li>\n<\/ul>\n<p>We do.<\/p>\n<p>The point is that from a young age my parents taught us right and wrong. Credit them or faith in God. I don\u2019t run around looking for corruption. But if something hits me across the head like a two-by-four, even I might see it and try to do something lawfully about it.<\/p>\n<p>And as we strive day-by-day to expose the corruption that has allegedly undermined our industry from within, we look at the evidence and report it accordingly.<\/p>\n<p>Some in high places jeer what we publish, I get that &#8211; it gives me no joy, but it is what it is. Others cheer what we publish, because we strive to back up claims with evidence, reason and the money trail. We apply logic and history. We cite sources, and if tips come in off the record, we protect those sources as others in media also strive to do.<\/p>\n<p>Attorneys, investors \u2013 including Wall Street types &#8211; and some public officials are among those that have told us that ours is the narrative that makes the most sense for why the industry is performing as it has.<\/p>\n<p>We\u2019ve steadily changed our business and publishing model in order to fight this apparent corruption. We have published articles about wrongdoing in the industry\u2019s news section of our website since the early years. To us, those were morality tales. Good news is to inspire what you should do \u2013 best practices. But bad news reflects a kind of \u2018don\u2019t do that behavior or you might end up with lawsuits or criminal charges,\u2019 etc.<\/p>\n<p>It took me time and the patient input of people in and out of MHI to understand that the industry\u2019s leaders weren\u2019t just missing self-evident opportunities. It was missing them on purpose and was in several cases fueling the bad news internally. That had to be proven to me. That\u2019s why our LLC\u2019s publications are willing to patiently prove it to others, <em>because I too had to be convinced<\/em>.<\/p>\n<p>Let\u2019s sum up again, before pressing ahead.<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li><strong>You have an industry that is misunderstood, manufactured housing<\/strong>.<\/li>\n<li><strong>You have laws on the federal law books that could make manufactured housing roar<\/strong> and could provide potentially millions of Americans who may never be able to buy a conventional house a federally regulated home of their own at about half-the-cost of conventional building.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<figure id=\"attachment_17300\" aria-describedby=\"caption-attachment-17300\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/07\/UltimateManufacturedHomeHousingInfographicNotMobileHomeTrailerHouseFactoryBuiltManufacturedHousingMHProNews.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-17300 size-full\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/07\/UltimateManufacturedHomeHousingInfographicNotMobileHomeTrailerHouseFactoryBuiltManufacturedHousingMHProNews.jpg\" alt=\"UltimateManufacturedHomeHousingInfographicNotMobileHomeTrailerHouseFactoryBuiltManufacturedHousingMHProNews\" width=\"600\" height=\"1512\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/07\/UltimateManufacturedHomeHousingInfographicNotMobileHomeTrailerHouseFactoryBuiltManufacturedHousingMHProNews.jpg 600w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/07\/UltimateManufacturedHomeHousingInfographicNotMobileHomeTrailerHouseFactoryBuiltManufacturedHousingMHProNews-60x150.jpg 60w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/07\/UltimateManufacturedHomeHousingInfographicNotMobileHomeTrailerHouseFactoryBuiltManufacturedHousingMHProNews-171x430.jpg 171w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/07\/UltimateManufacturedHomeHousingInfographicNotMobileHomeTrailerHouseFactoryBuiltManufacturedHousingMHProNews-305x768.jpg 305w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/a><figcaption id=\"caption-attachment-17300\" class=\"wp-caption-text\"><i> These facts would defy belief that the industry is doing so poorly. It can&#8217;t be an accident when the industry was doing so well for decades. <\/i><\/figcaption><\/figure>\n<p>&nbsp;<\/p>\n<ul>\n<li><strong>Picture you\u2019re Warren Buffett and his allies or team members. You are patient. You think long term.<\/strong> As Kevin put it, you can afford to lose money so long as you deepen and widen your Moat. <strong>That means you can put your competitors out of business or slowly acquire them at discounted valuations<\/strong>.<\/li>\n<li>As <a href=\"https:\/\/www.theatlantic.com\/business\/archive\/2011\/04\/americas-fastest-dying-business-its-mobile-homes\/73336\/\">IBISWorld and the Atlantic<\/a> both indirectly reported, following the ploy linked here, literally thousands of manufactured home retailers fail or sell out at a discounted price. The cause of that failure can be <a href=\"https:\/\/www.manufacturedhomelivingnews.com\/bridging-gap-affordable-housing-solution-yields-higher-pay-more-wealth-but-corrupt-rigged-billionaires-moat-is-barrier\/\">traced back to the facts reported here<\/a>.<\/li>\n<li>When those thousands of manufactured home retailers failed, numbers of which had been successful for years, several things occurred as a result. In no particular order of importance:<\/li>\n<\/ul>\n<ol>\n<li>Some independent factories supporting them either failed or sold out at a discounted valuation. There were producers that built good product that may have been in business for decades that failed as a result of the <a href=\"https:\/\/www.manufacturedhomelivingnews.com\/bridging-gap-affordable-housing-solution-yields-higher-pay-more-wealth-but-corrupt-rigged-billionaires-moat-is-barrier\/\">ploy detailed in the allegations linked here<\/a>.<\/li>\n<li>When those independent retailers failed, tens of thousands of manufactured home land-lease communities had their historic business models upended. Many of those were independently owned. Those independently owned communities routinely had a fine reputation with their residents. But for years, they depended on independent retailers to fill their communities. With those so many of those retailers gone, those properties slowly started losing occupancy. Coupled with the liar loans that fueled the conventional housing mortgage\/credit crisis, that occupancy loss continued.<\/li>\n<li>When those independently owned land-lease communities occasionally failed \u2013 or more often, sold out \u2013 those properties in recent years have been acquired by \u2018consolidators\u2019 or \u2018portfolio operators.\u2019 Some of them use tactics that are called predatory by lawmakers, media and residents.<\/li>\n<\/ol>\n<p>&nbsp;<\/p>\n<figure id=\"attachment_17169\" aria-describedby=\"caption-attachment-17169\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/05\/HBOJohnOliverLastWeekTonightMobileHomesVideoManufacturedHomeCommunitiesFactCheckMobileManufacturedHomeLivingNewsMastheadTonyKovach.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-17169\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/05\/HBOJohnOliverLastWeekTonightMobileHomesVideoManufacturedHomeCommunitiesFactCheckMobileManufacturedHomeLivingNewsMastheadTonyKovach.jpg\" alt=\"HBOJohnOliverLastWeekTonightMobileHomesVideoManufacturedHomeCommunitiesFactCheckMobileManufacturedHomeLivingNewsMastheadTonyKovach\" width=\"600\" height=\"315\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/05\/HBOJohnOliverLastWeekTonightMobileHomesVideoManufacturedHomeCommunitiesFactCheckMobileManufacturedHomeLivingNewsMastheadTonyKovach.jpg 600w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/05\/HBOJohnOliverLastWeekTonightMobileHomesVideoManufacturedHomeCommunitiesFactCheckMobileManufacturedHomeLivingNewsMastheadTonyKovach-150x79.jpg 150w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/05\/HBOJohnOliverLastWeekTonightMobileHomesVideoManufacturedHomeCommunitiesFactCheckMobileManufacturedHomeLivingNewsMastheadTonyKovach-575x302.jpg 575w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/a><figcaption id=\"caption-attachment-17169\" class=\"wp-caption-text\"><i><a href=\"https:\/\/www.manufacturedhomelivingnews.com\/hbos-john-oliver-on-last-week-tonight-mobile-homes-video-manufactured-home-communities-fact-check\/\" target=\"_blank\" rel=\"noopener noreferrer\">https:\/\/www.manufacturedhomelivingnews.com\/hbos-john-oliver-on-last-week-tonight-mobile-homes-video-manufactured-home-communities-fact-check\/<\/a> <\/i><\/figcaption><\/figure>\n<p>&nbsp;<\/p>\n<ul>\n<li>Even though MHI and their National Communities Council (NCC) postures a \u2018code of ethical conduct,\u2019 where is the evidence of that code being enforced in fact?<\/li>\n<\/ul>\n<figure id=\"attachment_17612\" aria-describedby=\"caption-attachment-17612\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.manufacturedhomelivingnews.com\/impact-communities-what-frank-rolfe-dave-reynolds-taught-beyond-mobile-home-u-manufactured-housing-institute-and-national-communities-council\/\" target=\"_blank\" rel=\"noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-17612\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/ImpactCommunitiesFrankRolfeDaveReynoldsPhotosTaugtMobileHomeULogoManufacturedHousingInstituteLogoNationalCommunitiesCouncilNCCmast.png\" alt=\"ImpactCommunitiesFrankRolfeDaveReynoldsPhotosTaugtMobileHomeULogoManufacturedHousingInstituteLogoNationalCommunitiesCouncilNCCmast\" width=\"600\" height=\"315\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/ImpactCommunitiesFrankRolfeDaveReynoldsPhotosTaugtMobileHomeULogoManufacturedHousingInstituteLogoNationalCommunitiesCouncilNCCmast.png 600w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/ImpactCommunitiesFrankRolfeDaveReynoldsPhotosTaugtMobileHomeULogoManufacturedHousingInstituteLogoNationalCommunitiesCouncilNCCmast-575x302.png 575w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/ImpactCommunitiesFrankRolfeDaveReynoldsPhotosTaugtMobileHomeULogoManufacturedHousingInstituteLogoNationalCommunitiesCouncilNCCmast-150x79.png 150w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/a><figcaption id=\"caption-attachment-17612\" class=\"wp-caption-text\"><i><a href=\"https:\/\/www.manufacturedhomelivingnews.com\/impact-communities-what-frank-rolfe-dave-reynolds-taught-beyond-mobile-home-u-manufactured-housing-institute-and-national-communities-council\/\" target=\"_blank\" rel=\"noopener noreferrer\">https:\/\/www.manufacturedhomelivingnews.com\/impact-communities-what-frank-rolfe-dave-reynolds-taught-beyond-mobile-home-u-manufactured-housing-institute-and-national-communities-council\/<\/a><br \/><\/i><\/figcaption><\/figure>\n<p>&nbsp;<\/p>\n<ul>\n<li>As affordable housing becomes more scarce, what happens? Why are we surprised that homelessness is rising? Be it Seattle, Los Angeles, San Francisco or some city nearer to you, the tales of tents and cardboard boxes popping up are growing.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>https:\/\/www.manufacturedhomelivingnews.com\/why-is-seattle-dying-affordable-housing-misplaced-compassion-and-manufactured-homes\/<\/p>\n<p>&nbsp;<\/p>\n<p>The tales of vehicular homelessness are growing too.<\/p>\n<p>&nbsp;<\/p>\n<p>https:\/\/www.manufacturedhomepronews.com\/waking-up-at-walmart-homelessness-in-canada-and-u-s-car-living-and-affordable-manufactured-housing-malaise\/<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>The tragic irony is that laws meant to avoid such issues were passed a decade or more ago. The causes are known. The solutions were studied. They were passed into law by widely bipartisan margins. Those solutions included but are not limited to the Duty to Serve manufactured housing and other underserved markets by the Government Sponsored Enterprises (GSEs or Enterprises) of Fannie Mae or Freddie Mac. Here\u2019s what the Federal Housing Finance Agency (FHFA) website has to say about that issue.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<figure id=\"attachment_17564\" aria-describedby=\"caption-attachment-17564\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/11\/DutyToServeImpactExaminationFHFAListeningSessionDec2WashDC2019ManufacturedHomeProNews.png\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-17564\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/11\/DutyToServeImpactExaminationFHFAListeningSessionDec2WashDC2019ManufacturedHomeProNews.png\" alt=\"DutyToServeImpactExaminationFHFAListeningSessionDec2WashDC2019ManufacturedHomeProNews\" width=\"600\" height=\"315\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/11\/DutyToServeImpactExaminationFHFAListeningSessionDec2WashDC2019ManufacturedHomeProNews.png 600w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/11\/DutyToServeImpactExaminationFHFAListeningSessionDec2WashDC2019ManufacturedHomeProNews-150x79.png 150w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/11\/DutyToServeImpactExaminationFHFAListeningSessionDec2WashDC2019ManufacturedHomeProNews-575x302.png 575w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/a><figcaption id=\"caption-attachment-17564\" class=\"wp-caption-text\"><a href=\"https:\/\/www.manufacturedhomelivingnews.com\/fhfa-gses-high-cost-to-minorities-all-americans-due-to-asserted-failures-to-follow-duty-to-serve-affordable-housing-existing-federal-laws\/\" target=\"_blank\" rel=\"noopener noreferrer\"><i>https:\/\/www.manufacturedhomelivingnews.com\/fhfa-gses-high-cost-to-minorities-all-americans-due-to-asserted-failures-to-follow-duty-to-serve-affordable-housing-existing-federal-laws\/<\/i><\/a><\/figcaption><\/figure>\n<p>&nbsp;<\/p>\n<ul>\n<li>DTS was made law in 2008, as part of the Housing and Economic Recovery Act (HERA). Over a decade later, if you listened to those who addressed the recent FHFA-GSE \u201c<strong>listening sessions<\/strong>\u201d in Los Angeles, St. Louis, Washington D.C., or the final virtual one held on 12.11.2019, you\u2019d know that there is some who speak well of the programs, while others say more need to be done, and still more who say that the process has been twisted beyond recognition, and is harming millions in the process.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/www.manufacturedhomelivingnews.com\/fhfa-gses-high-cost-to-minorities-all-americans-due-to-asserted-failures-to-follow-duty-to-serve-affordable-housing-existing-federal-laws\/\">https:\/\/www.manufacturedhomelivingnews.com\/fhfa-gses-high-cost-to-minorities-all-americans-due-to-asserted-failures-to-follow-duty-to-serve-affordable-housing-existing-federal-laws\/<\/a><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>This writer was invited to speak at the Washington and virtual listening sessions. My address to the virtual session is <strong><a href=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2019\/12\/FHFAVirtual-ListeningSession-12.11.2019L.-A.-TonyKovach-Publisher-MHLivingNewsMHProNews.com-Award-Winning-Manufactured-Home-Industry-Expert-and-Consultant-LATonyKovachMHProNews.pdf\">linked here as a 5 page PowerPoint download<\/a><\/strong>.<\/li>\n<li>Don\u2019t miss the related report linked below, because that outlines how corruption and coverups are purportedly being deployed.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/www.manufacturedhomepronews.com\/berkshire-brand-manufactured-housing-news-tip-collusion-coverup-by-fhfa-gses-revealed\/\">https:\/\/www.manufacturedhomepronews.com\/berkshire-brand-manufactured-housing-news-tip-collusion-coverup-by-fhfa-gses-revealed\/<\/a><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>Among those we believe that there is solid evidence of purported corrupt, inept or otherwise \u2018conflict of interest\u2019 type behavior is <strong>Jim Gray at the FHFA<\/strong>. He\u2019s in that photo with me at the top of this post. Let\u2019s see why that claim is being asserted. To understand what could be malfeasance, let\u2019s look at one of several possible examples of what the Office of Inspector General (OIG) at various federal agencies is supposed to do. From a federal OIG webpage, the following. BTW \u2013 the photo with Mr. Gray is an inside joke for our friends at MHI. They love photos with officials. What exactly does a photo prove, unless it is followed by some positive outcome?<\/li>\n<li>But back to the OIG related concerns. Here\u2019s what one federal website has to say.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>Matters <a href=\"https:\/\/oig.federalreserve.gov\/faq-about-oig.htm#q158\">we [OIG] investigate<\/a> include<\/p>\n<ul>\n<li>employee misconduct<\/li>\n<li>violations of federal laws or agency policy<\/li>\n<li>ethics violations or conflicts of interest by agency officials<\/li>\n<li>contract and procurement irregularities<\/li>\n<li>theft and abuse of property<\/li>\n<li>travel card or purchase card fraud<\/li>\n<li>waste or mismanagement of funds or government resources<\/li>\n<li>obstruction of agency operations, such as providing false information to regulators<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>Perhaps 5 (+\/-) of those areas could purportedly apply to Mr. Gray. One or more federal officials have been notified. But that isn\u2019t to imply that ONLY Mr. Gray at the FHFA is potentially guilty of such possible violations.<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>How is it possible that a decade after the DTS law is passed that it is still not being fully implemented? On its face, that\u2019s absurd. The Trump Administration has often heard the words \u2018enforce the law\u2019 uttered by the 45<sup>th<\/sup> president personally or by Vice President Mike Pence. Law enforcement is an arena that they say on the campaign trail, \u201cPromises Made, Promises Kept.\u201d We\u2019re waiting\u2026<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>\u2026will DTS be enforced during the Trump era? In fairness it wasn\u2019t enforced properly during the Obama era. Our spotlight is nonpartisan. Our lens is that of facts and the evidence.<\/p>\n<p>&nbsp;<\/p>\n<p>And the acid test is how that\u2019s harmed tens of millions of Americans as the <a href=\"https:\/\/www.manufacturedhomepronews.com\/berkshire-brand-manufactured-housing-news-tip-collusion-coverup-by-fhfa-gses-revealed\/\">article linked here details<\/a> and the <a href=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2019\/12\/FHFAVirtual-ListeningSession-12.11.2019L.-A.-TonyKovach-Publisher-MHLivingNewsMHProNews.com-Award-Winning-Manufactured-Home-Industry-Expert-and-Consultant-LATonyKovachMHProNews.pdf\">PowerPoint linked here<\/a> again outlines and links to other resources.<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>We\u2019ve been meeting and contacting officials from both major parties, as the photos below reflects. To us this is not partisan. We hope that the Trump Administration does enforce the laws we\u2019re describing on this page. But for those in the administration at whatever level that don\u2019t follow the law, we believe that they should be held to account by the proper authorities. We don\u2019t make allegations lightly, and while it may be coincidental that a prior complaint resulted in a key official\u2019s removal, based on what those federal investigators said, it is as likely that it had an impact. Federal investigators can\u2019t comment on employment related issues, but there are things said \u2013 or unsaid \u2013 that suggest what might have happened.<\/li>\n<\/ul>\n<p><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/LATonyKovachDrMarkCalabriaFHFADirectorPhotoQuoteManufacturedHousingMHProNews642.png\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-17609\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/LATonyKovachDrMarkCalabriaFHFADirectorPhotoQuoteManufacturedHousingMHProNews642.png\" alt=\"LATonyKovachDrMarkCalabriaFHFADirectorPhotoQuoteManufacturedHousingMHProNews642\" width=\"601\" height=\"716\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/LATonyKovachDrMarkCalabriaFHFADirectorPhotoQuoteManufacturedHousingMHProNews642.png 642w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/LATonyKovachDrMarkCalabriaFHFADirectorPhotoQuoteManufacturedHousingMHProNews642-361x430.png 361w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/LATonyKovachDrMarkCalabriaFHFADirectorPhotoQuoteManufacturedHousingMHProNews642-126x150.png 126w\" sizes=\"(max-width: 601px) 100vw, 601px\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<p>A prima facie case could be made against Mr. Gray that he failed to do his duty as the law requires at FHFA. Before moving on from Jim Gray or others possible at the FHFA, let\u2019s not forget that any misbehavior could have purportedly included official at Fannie Mae, Freddie Mac, MHI, and key MHI member companies. That said, next, let\u2019s look next at HUD.<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>HUD Secretary Ben Carson, M.D., to his credit, has demonstrably done more to elevate the image of manufactured housing than anyone in that role in the 21<sup>st<\/sup> One need look no further than the Innovative Housing Showcase (IHS2019) in early June of 2019 as an example. Before and since that event, he has periodically pointed to the importance and value of manufactured homes. The first video below tees up the scope of the problem of a lack of affordable housing and its root causes, in Dr. Carson\u2019s own words.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><iframe src=\"https:\/\/www.youtube.com\/embed\/rzX0EeZ5pt8\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>The second video was produced by the Manufactured Housing Institute (MHI). It features Secretary Carson as well as Commissioner Brian Montgomery, J.D. who is the Assistant Secretary of Housing and Urban Development for Housing, also known as the commissioner of the Federal Housing Administration. It also features several public officials, both elected and appointed.<\/p>\n<p>&nbsp;<\/p>\n<p><iframe src=\"https:\/\/www.youtube.com\/embed\/dwejg0XeWT8\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/p>\n<p>Some of these officials may or may not know the ins and outs of the MHIA and its \u201c<span style=\"color: #800000;\"><strong>enhanced preemption<\/strong><\/span>\u201d provision. There is no known evidence at this time that Dr. Carson has any first hand knowledge, for example, of \u201c<strong><span style=\"color: #800000;\">enhanced preemptio<\/span>n<\/strong>.\u201d That said, he should be asked to testify about the matter.<\/p>\n<p>By contrast, multiple sources with deep ties to HUD tell us that Brian Montgomery, by contrast, absolutely knows the MHIA 2000 and its <em>enhanced preemption<\/em> authority.<\/p>\n<p><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/JimGrayFHFAPhotoWithLATonyKovachTamasTonyKovachCongAlGreenDeskManufacturedHOmeProNews.png\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-17613\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/JimGrayFHFAPhotoWithLATonyKovachTamasTonyKovachCongAlGreenDeskManufacturedHOmeProNews.png\" alt=\"JimGrayFHFAPhotoWithLATonyKovachTamasTonyKovachCongAlGreenDeskManufacturedHOmeProNews\" width=\"598\" height=\"486\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/JimGrayFHFAPhotoWithLATonyKovachTamasTonyKovachCongAlGreenDeskManufacturedHOmeProNews.png 598w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/JimGrayFHFAPhotoWithLATonyKovachTamasTonyKovachCongAlGreenDeskManufacturedHOmeProNews-529x430.png 529w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/JimGrayFHFAPhotoWithLATonyKovachTamasTonyKovachCongAlGreenDeskManufacturedHOmeProNews-150x122.png 150w\" sizes=\"(max-width: 598px) 100vw, 598px\" \/><\/a><\/p>\n<p>So too do other federal officials at HUD, such as Teresa Payne at HUD\u2019s Office of Manufactured Housing Programs (OMHP). The same kinds of <em>prima facie<\/em> case allegations of federal employee wrongdoing against Jim Gray apply to Mr. Montgomery, Ms. Payne and likely others at HUD. They know the law. It is there job to know the law and enforce it. Look again at the bullets from that OIG website:<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>employee misconduct<\/li>\n<li>violations of federal laws or agency policy<\/li>\n<li>ethics violations or conflicts of interest by agency officials<\/li>\n<li>contract and procurement irregularities<\/li>\n<li>theft and abuse of property<\/li>\n<li>travel card or purchase card fraud<\/li>\n<li>waste or mismanagement of funds or government resources<\/li>\n<li>obstruction of agency operations, such as providing false information to regulators<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>Numerous public officials involved in manufactured housing are arguably failing to enforce federal law. That merits accountability that includes investigations.<\/p>\n<p>Who makes such claims? Several people and organizations.<\/p>\n<p>MHARR\u2019s president and CEO, Mark Weiss, J.D. knows the law better than most, because he was involved in its passage. See the report and attached letter to HUD Secretary Carson at the link below.<\/p>\n<p>&nbsp;<\/p>\n<figure id=\"attachment_17614\" aria-describedby=\"caption-attachment-17614\" style=\"width: 550px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/manufacturedhousingassociationregulatoryreform.org\/mharr-calls-on-fhfa-to-join-increasing-demands-for-congressional-oversight\/\" target=\"_blank\" rel=\"noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" class=\" wp-image-17614\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/MHARRCallsonFHFAJoinIncreasingDemandsforCongressionalOversightManufacturedHomeProNewsMast.png\" alt=\"MHARRCallsonFHFAJoinIncreasingDemandsforCongressionalOversightManufacturedHomeProNewsMast\" width=\"550\" height=\"289\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/MHARRCallsonFHFAJoinIncreasingDemandsforCongressionalOversightManufacturedHomeProNewsMast.png 640w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/MHARRCallsonFHFAJoinIncreasingDemandsforCongressionalOversightManufacturedHomeProNewsMast-575x302.png 575w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/MHARRCallsonFHFAJoinIncreasingDemandsforCongressionalOversightManufacturedHomeProNewsMast-150x79.png 150w\" sizes=\"(max-width: 550px) 100vw, 550px\" \/><\/a><figcaption id=\"caption-attachment-17614\" class=\"wp-caption-text\"><i><a href=\"https:\/\/manufacturedhousingassociationregulatoryreform.org\/mharr-calls-on-fhfa-to-join-increasing-demands-for-congressional-oversight\/\" target=\"_blank\" rel=\"noopener noreferrer\">https:\/\/manufacturedhousingassociationregulatoryreform.org\/mharr-calls-on-fhfa-to-join-increasing-demands-for-congressional-oversight\/<\/a> <\/i><\/figcaption><\/figure>\n<p>&nbsp;<\/p>\n<p>That letter from MHARR asking Dr. Carson to enforce the law on enhanced preemption includes as an attachment a letter from House Democrats dated in 2003. Even then, those Congressional representatives were asking, why isn\u2019t enhanced preemption being properly enforced? It is a useful if not critical piece of evidence in this context. Recall that the law was passed on widely bipartisan lines.<\/p>\n<p>&nbsp;<\/p>\n<figure id=\"attachment_17616\" aria-describedby=\"caption-attachment-17616\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/FormerPresidentBillClintonPivotalMomentManufacturedHousingIndustrySundayMorningRecapDailyBusinessNewsMHProNews1.png\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-17616\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/FormerPresidentBillClintonPivotalMomentManufacturedHousingIndustrySundayMorningRecapDailyBusinessNewsMHProNews1.png\" alt=\"FormerPresidentBillClintonPivotalMomentManufacturedHousingIndustrySundayMorningRecapDailyBusinessNewsMHProNews1\" width=\"600\" height=\"315\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/FormerPresidentBillClintonPivotalMomentManufacturedHousingIndustrySundayMorningRecapDailyBusinessNewsMHProNews1.png 600w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/FormerPresidentBillClintonPivotalMomentManufacturedHousingIndustrySundayMorningRecapDailyBusinessNewsMHProNews1-575x302.png 575w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/FormerPresidentBillClintonPivotalMomentManufacturedHousingIndustrySundayMorningRecapDailyBusinessNewsMHProNews1-150x79.png 150w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/a><figcaption id=\"caption-attachment-17616\" class=\"wp-caption-text\"><i> Former President Bill Clinton, right. Former Senator Chuck Cobb (VA-D), left-center. Danny Ghorbani, left, former President of the Manufactured Housing Association for Regulatory Reform (MHARR). There were several state and other association and business leaders involved in the historic report that we will spotlight, in the days ahead. <\/i><\/figcaption><\/figure>\n<p>&nbsp;<\/p>\n<ul>\n<li>For whatever reason, MHI \u2013 which also knows the law \u2013 has for some time been publicly foot-dragging on the issue. Evidence includes, but is not limited to, the fact that even on their own website they don\u2019t use the words \u201cenhanced preemption.\u201d By contrast, MHARR\u2019s website has over a dozen such references. MHARR\u2019s website has been online less than 3 years, MHI\u2019s for some 2 plus decades. How is that disparity explained?<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/06\/EnhancedPreemptionManufacturedHousingAssociationForRegulatoryReformLogoMastheadMHProNews2019-06-04_1607.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-17203\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/06\/EnhancedPreemptionManufacturedHousingAssociationForRegulatoryReformLogoMastheadMHProNews2019-06-04_1607.jpg\" alt=\"\" width=\"536\" height=\"682\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/06\/EnhancedPreemptionManufacturedHousingAssociationForRegulatoryReformLogoMastheadMHProNews2019-06-04_1607.jpg 600w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/06\/EnhancedPreemptionManufacturedHousingAssociationForRegulatoryReformLogoMastheadMHProNews2019-06-04_1607-118x150.jpg 118w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/06\/EnhancedPreemptionManufacturedHousingAssociationForRegulatoryReformLogoMastheadMHProNews2019-06-04_1607-338x430.jpg 338w\" sizes=\"(max-width: 536px) 100vw, 536px\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/06\/ManufacturedHousingInstituteLogoMHILogoEnhancedPreemption2019-06-04_1248.png\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-17202\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/06\/ManufacturedHousingInstituteLogoMHILogoEnhancedPreemption2019-06-04_1248.png\" alt=\"ManufacturedHousingInstituteLogoMHILogoEnhancedPreemption2019-06-04_1248\" width=\"587\" height=\"395\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/06\/ManufacturedHousingInstituteLogoMHILogoEnhancedPreemption2019-06-04_1248.png 587w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/06\/ManufacturedHousingInstituteLogoMHILogoEnhancedPreemption2019-06-04_1248-150x101.png 150w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/06\/ManufacturedHousingInstituteLogoMHILogoEnhancedPreemption2019-06-04_1248-575x387.png 575w\" sizes=\"(max-width: 587px) 100vw, 587px\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<p>After months of <em>MHLivingNews,<\/em> MHARR, and MHProNews hammering away at the federal enhanced preemption issue and calling MHI out publicly for failing to promote it, MHI apparently pivoted. They issued their own letter to Dr. Carson. It too calls for \u201c<span style=\"color: #800000;\"><strong>enhanced preemption<\/strong><\/span>\u201d to be fully enforced. While it was part of a longer letter, the key part is shown as the screen capture, below.<\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/MonopolisticHousingInstituteMHIletterHUDSecretaryBenCarsonEnhancedPreemptionManufacturedHousingInstituteMHomeProNews.png\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-17617\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/MonopolisticHousingInstituteMHIletterHUDSecretaryBenCarsonEnhancedPreemptionManufacturedHousingInstituteMHomeProNews.png\" alt=\"MonopolisticHousingInstituteMHIletterHUDSecretaryBenCarsonEnhancedPreemptionManufacturedHousingInstituteMHomeProNews\" width=\"577\" height=\"768\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/MonopolisticHousingInstituteMHIletterHUDSecretaryBenCarsonEnhancedPreemptionManufacturedHousingInstituteMHomeProNews.png 577w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/MonopolisticHousingInstituteMHIletterHUDSecretaryBenCarsonEnhancedPreemptionManufacturedHousingInstituteMHomeProNews-323x430.png 323w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/MonopolisticHousingInstituteMHIletterHUDSecretaryBenCarsonEnhancedPreemptionManufacturedHousingInstituteMHomeProNews-113x150.png 113w\" sizes=\"(max-width: 577px) 100vw, 577px\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<p>That said, MHI still doesn\u2019t have \u201cenhanced preemption\u201d on their website this morning. Why not? Is the MHI letter to Dr. Carson mere window dressing? After all, there is no guarantee that the top official at a federal agency would even see such a letter, much less read it and digest it &#8212; or not.<\/p>\n<p>Recall that several state association executives as well as HUD Code home producers are aware of the law. Due to reading at this website, perhaps thousands of industry professionals do as well.<\/p>\n<p>But failure to enforce preemption has real world consequences. What Secretary Carson said in that video interview above absolutely applies.<\/p>\n<p>The federal government doesn\u2019t have to beg a state or localities to abide by federal laws, any more than the federal government has to wait for a state or local government to abide by voting rights or integration of schools, or a range of issues that federal preemption has been asserted.<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>That said, there is \u2018fear\u2019 among some on Capitol Hill and D.C. that asserting preemption would result in backlash. If so, the answer is education.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<figure id=\"attachment_17298\" aria-describedby=\"caption-attachment-17298\" style=\"width: 584px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.valuepenguin.com\/home-insurance\/fear-manufactured-homes-affordable-housing-crisis\" target=\"_blank\" rel=\"noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" class=\" wp-image-17298\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/07\/ValuePenguinFearManufacturedHomesAffordableHousingCrisis.MastheadMHProNews.jpg\" alt=\"ValuePenguinFearManufacturedHomesAffordableHousingCrisis.MastheadMHProNews\" width=\"584\" height=\"573\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/07\/ValuePenguinFearManufacturedHomesAffordableHousingCrisis.MastheadMHProNews.jpg 745w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/07\/ValuePenguinFearManufacturedHomesAffordableHousingCrisis.MastheadMHProNews-150x147.jpg 150w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/07\/ValuePenguinFearManufacturedHomesAffordableHousingCrisis.MastheadMHProNews-438x430.jpg 438w\" sizes=\"(max-width: 584px) 100vw, 584px\" \/><\/a><figcaption id=\"caption-attachment-17298\" class=\"wp-caption-text\"><i><a href=\"https:\/\/www.valuepenguin.com\/home-insurance\/fear-manufactured-homes-affordable-housing-crisis\" target=\"_blank\" rel=\"noopener noreferrer\"> https:\/\/www.valuepenguin.com\/home-insurance\/fear-manufactured-homes-affordable-housing-crisis<\/a> <\/i><\/figcaption><\/figure>\n<p>&nbsp;<\/p>\n<p>Once the general public understands that manufactured housing specific research has demonstrated that:<\/p>\n<ul>\n<li>Manufactured homes appreciate side-by-side with conventional housing in neighborhoods, per <a href=\"https:\/\/www.manufacturedhomelivingnews.com\/fear-a-solution-to-the-affordable-housing-crisis-and-the-manufactured-home-dilemma\/\">university level research commissioned by HUD<\/a>.<\/li>\n<li>Research by Trulia documents that affordable housing by conventional single-family housing has no appreciably negative impact on value, in 2018 research.<\/li>\n<\/ul>\n<figure id=\"attachment_17618\" aria-describedby=\"caption-attachment-17618\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/TruliaLowIncomeHousingImpactOnNearbyHousingValuesMastheadManufacturedHomeProNews600.png\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-17618\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/TruliaLowIncomeHousingImpactOnNearbyHousingValuesMastheadManufacturedHomeProNews600.png\" alt=\"TruliaLowIncomeHousingImpactOnNearbyHousingValuesMastheadManufacturedHomeProNews600\" width=\"600\" height=\"559\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/TruliaLowIncomeHousingImpactOnNearbyHousingValuesMastheadManufacturedHomeProNews600.png 600w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/TruliaLowIncomeHousingImpactOnNearbyHousingValuesMastheadManufacturedHomeProNews600-462x430.png 462w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/TruliaLowIncomeHousingImpactOnNearbyHousingValuesMastheadManufacturedHomeProNews600-150x140.png 150w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/a><figcaption id=\"caption-attachment-17618\" class=\"wp-caption-text\"><i>The Trulia study reflects a similar finding of a report commissioned by HUD that studied the impact of manufactured homes installed side-by-side as infill in a variety of urban markets. Both conventional and manufactured homes appreciated, there was no harmful impact. That report is available as a download from the MHLivingNews article, linked above. <\/i><\/figcaption><\/figure>\n<p>&nbsp;<\/p>\n<ul>\n<li>Failure to enforce this provision creates real economic harm to millions. The U.S. rate of home ownership is bleak compared to dozens of other countries around the world, many which have lower incomes than here in the U.S. Renting vs. owning spreads wealth inequality. There is a ripple effect for business, investing, taxing authorities, public officials, added social safety net costs and more.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<figure id=\"attachment_17620\" aria-describedby=\"caption-attachment-17620\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.manufacturedhomelivingnews.com\/addressing-growing-affordable-housing-crisis-income-inequality-by-enforcing-good-current-laws-illustrated-report-analysis\/\" target=\"_blank\" rel=\"noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-17620\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/AddressingAffordableHousingCrisisIncomeInequalityEnforcingGoodCurrentLawsIllustratedReportAnalysisManufacturedHomeLivingNews1.png\" alt=\"AddressingAffordableHousingCrisisIncomeInequalityEnforcingGoodCurrentLawsIllustratedReportAnalysisManufacturedHomeLivingNews1\" width=\"600\" height=\"315\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/AddressingAffordableHousingCrisisIncomeInequalityEnforcingGoodCurrentLawsIllustratedReportAnalysisManufacturedHomeLivingNews1.png 600w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/AddressingAffordableHousingCrisisIncomeInequalityEnforcingGoodCurrentLawsIllustratedReportAnalysisManufacturedHomeLivingNews1-575x302.png 575w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/AddressingAffordableHousingCrisisIncomeInequalityEnforcingGoodCurrentLawsIllustratedReportAnalysisManufacturedHomeLivingNews1-150x79.png 150w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/a><figcaption id=\"caption-attachment-17620\" class=\"wp-caption-text\"><i><a href=\"https:\/\/www.manufacturedhomelivingnews.com\/addressing-growing-affordable-housing-crisis-income-inequality-by-enforcing-good-current-laws-illustrated-report-analysis\/\" target=\"_blank\" rel=\"noopener noreferrer\">https:\/\/www.manufacturedhomelivingnews.com\/addressing-growing-affordable-housing-crisis-income-inequality-by-enforcing-good-current-laws-illustrated-report-analysis\/<\/a> <\/i><\/figcaption><\/figure>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>So, when <em>MHProNews<\/em> alleges a <em>prima facie<\/em> case that people like Jim Gray, Brian Montgomery, Teresa Payne and others are not enforcing existing provisions of federal law, that\u2019s no light matter. That has real world impacts for millions of people. What may be of interest are motivations for doing so? Don\u2019t forget that MHI called Brian Montgomery \u2018their candidate\u2019 for the Deputy Secretary role. What makes Montgomery \u2018their\u2019 candidate? Is he willing to thwart preemption to the benefit of the ploy being utilized by the Berkshire brands?<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li>Equally important, when we allege that such is being done in collusion with others outside of the federal government, that raises parallel legal concerns.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li>This has SEC implications too. Publicly traded firms \u2013 or subsets of publicly traded firms &#8211; are supposed to accurately disclose risks, opportunities and more. When publicly traded firms fail to do what is necessary to see to it that shareholders are being properly rewarded for the opportunity protentional in manufactured housing, incomplete, false or misleading information is arguably being provided to investors. Then a case could be made that should involve the SEC. Is there evidence for that? We think there are multiple examples of \u2018yes,\u2019 there is.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>https:\/\/www.manufacturedhomepronews.com\/new-documents-revealing-layers-of-manufactured-home-industry-organizational-and-public-officials-corruption-spotlight-on-wells-fargo\/<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>https:\/\/www.manufacturedhomepronews.com\/sec-cavco-industries-duty-to-serve-lending-investing-and-claimed-manufactured-housing-institute-corrupt-practices-facts-analysis\/<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>https:\/\/www.manufacturedhomepronews.com\/clayton-homes-21st-mortgage-mhvillage-manufactured-housing-institute-leaders-challenged\/<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>https:\/\/www.manufacturedhomepronews.com\/publicly-traded-manufactured-housing-firms-which-source-do-you-trust-more-why-mhi-mharr-others\/<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>That\u2019s a long run-up to reveal the following. It\u2019s a multipart, step-by-step revelation.<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><strong>The Epic Reveal? Part I<\/strong><\/p>\n<p>The harm done by these purported failures and possibly corrupt behavior by public officials, trade associations, publicly traded firms and others is enormous. Doing the math, it truly dwarfs the harm caused by Bernie Madoff\u2019s scheme that landed him in federal prison.<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>While the ploys are different, they have this similarity. Both this moat-building scheme and Madoff\u2019s were hiding in plain sight.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>As we publish articles on such topics, manufactured home industry readers periodically see something that they think they can add some color to, provided additional insights, news tips, supportive documentation, etc.<\/p>\n<p>One must keep in mind that 21<sup>st<\/sup> and Clayton holds tremendous sway over the independents in the industry and over associations too. The start of the explanation of that is found in the report below.<\/p>\n<figure id=\"attachment_17114\" aria-describedby=\"caption-attachment-17114\" style=\"width: 525px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/how-gold-rules-tim-williams-21st-mortgage-mhi-vp-state-execs-conference-call\/\" target=\"_blank\" rel=\"noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-17114\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/05\/GoldRulesTimWilliams21stMortgageCorpManufacturedHousingIndustryCommentaryAnalysisMHProNews.jpg\" alt=\"GoldRulesTimWilliams21stMortgageCorpManufacturedHousingIndustryCommentaryAnalysisMHProNews\" width=\"525\" height=\"288\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/05\/GoldRulesTimWilliams21stMortgageCorpManufacturedHousingIndustryCommentaryAnalysisMHProNews.jpg 525w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/05\/GoldRulesTimWilliams21stMortgageCorpManufacturedHousingIndustryCommentaryAnalysisMHProNews-150x82.jpg 150w\" sizes=\"(max-width: 525px) 100vw, 525px\" \/><\/a><figcaption id=\"caption-attachment-17114\" class=\"wp-caption-text\"><i><a href=\"https:\/\/www.manufacturedhomepronews.com\/how-gold-rules-tim-williams-21st-mortgage-mhi-vp-state-execs-conference-call\/\" target=\"_blank\" rel=\"noopener noreferrer\">https:\/\/www.manufacturedhomepronews.com\/how-gold-rules-tim-williams-21st-mortgage-mhi-vp-state-execs-conference-call\/<\/a> <\/i><\/figcaption><\/figure>\n<p>&nbsp;<\/p>\n<p>The short version is simple. Thousands of professionals have seen 21<sup>st<\/sup> put thousands of their peers out of business by restricting credit. Clayton Homes, VMF, and 21<sup>st<\/sup> can all have a \u2018case\u2019 made against their patterns of behavior. Independents don\u2019t want to be the next one eaten by the lion.<\/p>\n<p>&nbsp;<\/p>\n<p>https:\/\/www.manufacturedhomepronews.com\/case-against-clayton-homes\/<\/p>\n<p>That said, some white hats inside the industry are at work at operations with a checkered or black hat history. As this is being written, new tips have come in, one is from an MHI-connected source. Be it at companies or associations, they periodically see something that catches their eye, and they send in a comment, observation, related facts or even documents.<\/p>\n<p>In the case of documents, the following makes a keen point to those who don\u2019t understand why MHI and MHARR don\u2019t get along very well. Years ago, the relationship was more constructive. What happened to disrupt the MHI and MHARR working relationship?<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><strong>The Epic Reveal, Part II<\/strong><\/p>\n<p>With that backdrop, these items below were provided as useful news tips yesterday among others that will be rolled out by MHProNews and\/or MHLivingNews in the days ahead.<\/p>\n<p>MHI once published and shared on their website, per our sources, the following.<\/p>\n<p><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/FannieMaeFreddieMac5PercentDownManufacturedHousingInstituteMHARRWorkingTogether2003MHproNews.png\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-17622\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/FannieMaeFreddieMac5PercentDownManufacturedHousingInstituteMHARRWorkingTogether2003MHproNews.png\" alt=\"FannieMaeFreddieMac5PercentDownManufacturedHousingInstituteMHARRWorkingTogether2003MHproNews\" width=\"598\" height=\"778\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/FannieMaeFreddieMac5PercentDownManufacturedHousingInstituteMHARRWorkingTogether2003MHproNews.png 598w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/FannieMaeFreddieMac5PercentDownManufacturedHousingInstituteMHARRWorkingTogether2003MHproNews-331x430.png 331w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/FannieMaeFreddieMac5PercentDownManufacturedHousingInstituteMHARRWorkingTogether2003MHproNews-590x768.png 590w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/FannieMaeFreddieMac5PercentDownManufacturedHousingInstituteMHARRWorkingTogether2003MHproNews-115x150.png 115w\" sizes=\"(max-width: 598px) 100vw, 598px\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<p>MHI once spoke about MHARR with respect.\u00a0 They once agreed on topics that MHARR has been consistent on, but MHI has since changed in ways that are arguably harmful to the industry.<\/p>\n<p>&nbsp;<\/p>\n<p>https:\/\/www.manufacturedhomepronews.com\/bombshells-former-hud-manufactured-housing-program-administrator-bill-matchneer-cavcos-manuel-santana-statements\/<\/p>\n<p>&nbsp;<\/p>\n<p>A HUD Attorney testified to Congress that HUD was enforcing enhanced preemption. Really? Others at the same hearing said otherwise. But it demonstrates that several at HUD know the law and have from the outset.<\/p>\n<p>&nbsp;<\/p>\n<p>https:\/\/www.manufacturedhomepronews.com\/long-time-hud-attorneys-formal-statement-on-manufactured-housing-enhanced-preemption\/<\/p>\n<p>&nbsp;<\/p>\n<p>The article below documents that Edward Golding, now at the Urban Institute, while at HUD knew about federal enhanced preemption.<\/p>\n<figure id=\"attachment_17623\" aria-describedby=\"caption-attachment-17623\" style=\"width: 597px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/MHIEnhancedPreemptionfrom2003MarkCalbriaHUDOverBillMatchneerTonyKovachMastheadblogMHProNews.png\"><img loading=\"lazy\" decoding=\"async\" class=\" wp-image-17623\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/MHIEnhancedPreemptionfrom2003MarkCalbriaHUDOverBillMatchneerTonyKovachMastheadblogMHProNews.png\" alt=\"MHIEnhancedPreemptionfrom2003MarkCalbriaHUDOverBillMatchneerTonyKovachMastheadblogMHProNews\" width=\"597\" height=\"470\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/MHIEnhancedPreemptionfrom2003MarkCalbriaHUDOverBillMatchneerTonyKovachMastheadblogMHProNews.png 934w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/MHIEnhancedPreemptionfrom2003MarkCalbriaHUDOverBillMatchneerTonyKovachMastheadblogMHProNews-546x430.png 546w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/MHIEnhancedPreemptionfrom2003MarkCalbriaHUDOverBillMatchneerTonyKovachMastheadblogMHProNews-150x118.png 150w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/MHIEnhancedPreemptionfrom2003MarkCalbriaHUDOverBillMatchneerTonyKovachMastheadblogMHProNews-768x604.png 768w\" sizes=\"(max-width: 597px) 100vw, 597px\" \/><\/a><figcaption id=\"caption-attachment-17623\" class=\"wp-caption-text\"><i> This is a powerful document when viewed through expert eyes. First, it makes the same case for &#8216;enhanced preemption&#8217; that MHARR, JD Harper, MHProNews, MHLivingNews and others have. It was the position of MHI. Per our source, this used to be on the MHI website. Why did they stop showing such material on their own website, when they claim to still support enhanced federal preemption? <\/i><\/figcaption><\/figure>\n<p>&nbsp;<\/p>\n<figure id=\"attachment_17625\" aria-describedby=\"caption-attachment-17625\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.manufacturedhomelivingnews.com\/huds-urban-institutes-edward-golding-knew-because-manufactured-housing-institutes-lesli-gooch-told-him\/\" target=\"_blank\" rel=\"noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-17625\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/HUDurbanInstituteLogoEdwardGoldingPhotoKnewManufacturedHousingInstituteLogoLesliGoochPhotoToldHimManufacturedHomeProNews.png\" alt=\"HUDurbanInstituteLogoEdwardGoldingPhotoKnewManufacturedHousingInstituteLogoLesliGoochPhotoToldHimManufacturedHomeProNews\" width=\"600\" height=\"315\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/HUDurbanInstituteLogoEdwardGoldingPhotoKnewManufacturedHousingInstituteLogoLesliGoochPhotoToldHimManufacturedHomeProNews.png 600w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/HUDurbanInstituteLogoEdwardGoldingPhotoKnewManufacturedHousingInstituteLogoLesliGoochPhotoToldHimManufacturedHomeProNews-575x302.png 575w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/HUDurbanInstituteLogoEdwardGoldingPhotoKnewManufacturedHousingInstituteLogoLesliGoochPhotoToldHimManufacturedHomeProNews-150x79.png 150w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/a><figcaption id=\"caption-attachment-17625\" class=\"wp-caption-text\"><i> These documents reveal an apparent coverup of MHI&#8217;s prior positions. They changed after Clayton became a Berkshire Hathaway powerhouse. Coincidence or part of a pattern? <a href=\"https:\/\/www.manufacturedhomelivingnews.com\/huds-urban-institutes-edward-golding-knew-because-manufactured-housing-institutes-lesli-gooch-told-him\/\" target=\"_blank\" rel=\"noopener noreferrer\">https:\/\/www.manufacturedhomelivingnews.com\/huds-urban-institutes-edward-golding-knew-because-manufactured-housing-institutes-lesli-gooch-told-him\/<\/a><br \/><\/i><\/figcaption><\/figure>\n<p>Warren Buffet, per Kevin Clayton in that video interview with Robert Miles, completely grasped the nuances of the industry.<\/p>\n<p>Kevin used this statement by Buffett as an example.<\/p>\n<p style=\"text-align: center;\">\u201c<strong>Kevin, it seems to me that the problem of your industry is resale<\/strong>.\u201d<\/p>\n<p>Turing to factoids cited by <em>Fast Times,<\/em> Clayton Homes had some 86 land lease communities at the time of the buyout with Berkshire. Those were spun off, per our sources, because Buffett didn\u2019t want to be seen as \u201c<span style=\"color: #800000;\"><strong>raising the<\/strong><\/span> [site] <span style=\"color: #800000;\"><strong>rents on grandma<\/strong><\/span>.\u201d So, he appeared to be sensitive to that issue.<\/p>\n<p>But was Buffett okay with <em>others <\/em>doing the same to grandma and her neighbors in manufactured home land lease communities? Was or is Buffett okay with profiting or benefiting in various forms or fashions by the problematic behaviors of others?<\/p>\n<p>&nbsp;<\/p>\n<p>https:\/\/www.manufacturedhomepronews.com\/senator-elizabeth-warren-takes-aim-blasting-again-mhi-member-company-in-2020-campaign-stop\/<\/p>\n<p>&nbsp;<\/p>\n<p>One could make the case for \u2018yes\u2019 on those points. It was a Berkshire-owned commercial real estate brand that sold the community that went from a reported white hat ownership to MHI member Havenpark Capital. Havenpark\u2019s behavior has been so notorious that they drew the attention of Senator Elizabeth Warren<\/p>\n<figure id=\"attachment_17515\" aria-describedby=\"caption-attachment-17515\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/09\/OpenLetterKurtKelleyJoanneStevensFrankRolfeManufacturedHousingReviewSenatorWarrenRequestInformationManufacturedHomeCommunityOwnersMHLivingNewsTonyKovach.png\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-17515\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/09\/OpenLetterKurtKelleyJoanneStevensFrankRolfeManufacturedHousingReviewSenatorWarrenRequestInformationManufacturedHomeCommunityOwnersMHLivingNewsTonyKovach.png\" alt=\"OpenLetterKurtKelleyJoanneStevensFrankRolfeManufacturedHousingReviewSenatorWarrenRequestInformationManufacturedHomeCommunityOwnersMHLivingNewsTonyKovach\" width=\"600\" height=\"315\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/09\/OpenLetterKurtKelleyJoanneStevensFrankRolfeManufacturedHousingReviewSenatorWarrenRequestInformationManufacturedHomeCommunityOwnersMHLivingNewsTonyKovach.png 600w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/09\/OpenLetterKurtKelleyJoanneStevensFrankRolfeManufacturedHousingReviewSenatorWarrenRequestInformationManufacturedHomeCommunityOwnersMHLivingNewsTonyKovach-150x79.png 150w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/09\/OpenLetterKurtKelleyJoanneStevensFrankRolfeManufacturedHousingReviewSenatorWarrenRequestInformationManufacturedHomeCommunityOwnersMHLivingNewsTonyKovach-575x302.png 575w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/a><figcaption id=\"caption-attachment-17515\" class=\"wp-caption-text\"><i><a href=\"https:\/\/www.manufacturedhomelivingnews.com\/open-letter-kurt-kelley-joanne-stevens-frank-rolfe-manufactured-housing-review-about-senator-elizabeth-warrens-request-for-information-from-manufactured-home-community-owners\/\" target=\"_blank\" rel=\"noopener noreferrer\">https:\/\/www.manufacturedhomelivingnews.com\/open-letter-kurt-kelley-joanne-stevens-frank-rolfe-manufactured-housing-review-about-senator-elizabeth-warrens-request-for-information-from-manufactured-home-community-owners\/<\/a> <\/i><\/figcaption><\/figure>\n<p>&nbsp;<\/p>\n<p>It has also drawn attention from another 2020 presidential hopeful, former Obama Administration era HUD Secretary Julian Castro.<\/p>\n<p>&nbsp;<\/p>\n<figure id=\"attachment_17626\" aria-describedby=\"caption-attachment-17626\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.manufacturedhomelivingnews.com\/presidential-hopeful-campaigns-in-manufactured-home-community-congressional-rep-cindy-axne-raising-concerns-over-bbb-f-rated-havenpark-capital-management\/\" target=\"_blank\" rel=\"noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-17626\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/PresidentialHopefulCampaignsManufacturedHomeCommunityRepCindyAxneRaisingConcernsBBB-F-RatedHavenparkCapitalManagementMHProNews.png\" alt=\"PresidentialHopefulCampaignsManufacturedHomeCommunityRepCindyAxneRaisingConcernsBBB-F-RatedHavenparkCapitalManagementMHProNews\" width=\"600\" height=\"314\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/PresidentialHopefulCampaignsManufacturedHomeCommunityRepCindyAxneRaisingConcernsBBB-F-RatedHavenparkCapitalManagementMHProNews.png 600w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/PresidentialHopefulCampaignsManufacturedHomeCommunityRepCindyAxneRaisingConcernsBBB-F-RatedHavenparkCapitalManagementMHProNews-575x301.png 575w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/PresidentialHopefulCampaignsManufacturedHomeCommunityRepCindyAxneRaisingConcernsBBB-F-RatedHavenparkCapitalManagementMHProNews-150x79.png 150w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/a><figcaption id=\"caption-attachment-17626\" class=\"wp-caption-text\"><i><a href=\"https:\/\/www.manufacturedhomelivingnews.com\/presidential-hopeful-campaigns-in-manufactured-home-community-congressional-rep-cindy-axne-raising-concerns-over-bbb-f-rated-havenpark-capital-management\/\" target=\"_blank\" rel=\"noopener noreferrer\">https:\/\/www.manufacturedhomelivingnews.com\/presidential-hopeful-campaigns-in-manufactured-home-community-congressional-rep-cindy-axne-raising-concerns-over-bbb-f-rated-havenpark-capital-management\/<\/a><br \/><\/i><\/figcaption><\/figure>\n<p>&nbsp;<\/p>\n<p>Here we begin to see how MHAction activists &#8211; understandably &#8211; point the finger at the purported predatory behavior of Havenpark, \u2018Frank and Dave\u2019 led RV Horizons turned Impact Communities, or a raft of other communities operated by firms with direct ties to MHI. Could that all be mere coincidence? Why is it that statewide rent control finally passed in New York? MHAction was in the thick of it, as MHProNews previously documented.<\/p>\n<p>&nbsp;<\/p>\n<p>https:\/\/www.manufacturedhomepronews.com\/will-new-state-rent-control-laws-conflict-with-presidential-affordable-housing-initiatives-who-has-what-agenda\/<\/p>\n<p>&nbsp;<\/p>\n<p>The desire for rent control is obvious on the part of those who are suddenly faced by steep site fee hikes that caused John Oliver, the <em>Washington Post<\/em> and other in media to sit up and take note. But what was hidden in the background until <em>MHProNews<\/em> and <em>MHLivingNews<\/em> revealed it was the funding role that Warren Buffet played.<\/p>\n<p>Indeed, upon closer inspection, Buffett\u2019s bucks and influence as reported by various nonprofits such as Open Secrets, Influence Watch and others reached several organizations that in turn lashed out at manufactured housing in a manner that even made his own brands look questionable. Why do the opposite of one of those fabled pearls of wisdom that he has?<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/WarrenBuffettQuoteCantBePerfrectCanAffordLoseMoneyNotShredReputationMeasureActWhatIsLegalHappyToHaveUnfriendlyButIntelligentReporter.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-17627\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/WarrenBuffettQuoteCantBePerfrectCanAffordLoseMoneyNotShredReputationMeasureActWhatIsLegalHappyToHaveUnfriendlyButIntelligentReporter.jpg\" alt=\"WarrenBuffettQuoteCantBePerfrectCanAffordLoseMoneyNotShredReputationMeasureActWhatIsLegalHappyToHaveUnfriendlyButIntelligentReporter\" width=\"537\" height=\"282\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/WarrenBuffettQuoteCantBePerfrectCanAffordLoseMoneyNotShredReputationMeasureActWhatIsLegalHappyToHaveUnfriendlyButIntelligentReporter.jpg 600w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/WarrenBuffettQuoteCantBePerfrectCanAffordLoseMoneyNotShredReputationMeasureActWhatIsLegalHappyToHaveUnfriendlyButIntelligentReporter-575x302.jpg 575w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/WarrenBuffettQuoteCantBePerfrectCanAffordLoseMoneyNotShredReputationMeasureActWhatIsLegalHappyToHaveUnfriendlyButIntelligentReporter-150x79.jpg 150w\" sizes=\"(max-width: 537px) 100vw, 537px\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<p>The answer is as clever as it is devious. A bigger brand can withstand negative media, certainly for a time. As a possible analogy, some say President Trump to some degree relishes the negative media he gets. Why? It hasn\u2019t hurt the president much in polling, which while it fluctuates, is reasonably steady. It can be argued that bad media hurts his opponents as much or more than it does President Trump.<\/p>\n<p>Is Buffett and his ilk doing something similar in MHVille? It could appear so, based on evidence like that shown and linked from reports herein.<\/p>\n<p>Put differently, Buffett and his select buddies in MHVille has weaponized several aspects of the industry. MHI pivoted from seemingly sincerely pushing for GSE lending on manufactured homes, to in more recent years asking for lending on a select class of manufactured homes.<\/p>\n<p>Starting sometime since the Buffet era in MHVille, MHI purged their website of the very specific words, \u201c<span style=\"color: #800000;\"><strong>enhanced preemption<\/strong><\/span>.\u201d They\u2019ve mentioned it here and there, most commonly in emails that are not picked up in an internet search, because they aren\u2019t posted on the MHI website. But when sitting face to face with Secretary Carson as the often have, there is no evidence to date that they raised the issue in person.<\/p>\n<p>What they have done is get Secretary Carson to give them video cover in a de facto plug, with text supposedly provided to Dr. Carson by MHI. If they could get Carson to plug them by name on a video, then by extension they could get the HUD Secretary to say out loud that HUD in the Trump era would fully embrace enhanced preemption and enforce it on states and localities.<\/p>\n<p>Before anyone thinks this is anti-Trump, or anti-Carson, it is simply reality. The same argument applies looking back at the Bush and Obama Administrations. The issue isn\u2019t partisan. It\u2019s factual and evidence based.<\/p>\n<p>&nbsp;<\/p>\n<p><iframe src=\"https:\/\/player.vimeo.com\/video\/239019639\" width=\"576\" height=\"324\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><span class=\"mce_SELRES_start\" style=\"width: 0px; line-height: 0; overflow: hidden; display: inline-block;\" data-mce-type=\"bookmark\">\ufeff<\/span><\/iframe><\/p>\n<p><strong>The Vexing Bottom Lines? <\/strong><\/p>\n<p>Before the \u2018Buffett\/Berkshire\u2019 effect, MHI had documents and articles that referenced their desire to have the Government Sponsored Enterprises (GSEs) promote ALL manufactured homes for lending, not just some new and unproven \u2018new class\u2019 of homes they\u2019ve recently dubbed \u201c<strong>CrossMod<sup>TM<\/sup> homes<\/strong>.\u201d It is the same as above but relates to this &#8216;new class&#8217; of homes issue.<\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/FannieMaeFreddieMac5PercentDownManufacturedHousingInstituteMHARRWorkingTogether2003MHproNews.png\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-17622\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/FannieMaeFreddieMac5PercentDownManufacturedHousingInstituteMHARRWorkingTogether2003MHproNews.png\" alt=\"FannieMaeFreddieMac5PercentDownManufacturedHousingInstituteMHARRWorkingTogether2003MHproNews\" width=\"598\" height=\"778\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/FannieMaeFreddieMac5PercentDownManufacturedHousingInstituteMHARRWorkingTogether2003MHproNews.png 598w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/FannieMaeFreddieMac5PercentDownManufacturedHousingInstituteMHARRWorkingTogether2003MHproNews-331x430.png 331w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/FannieMaeFreddieMac5PercentDownManufacturedHousingInstituteMHARRWorkingTogether2003MHproNews-590x768.png 590w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/FannieMaeFreddieMac5PercentDownManufacturedHousingInstituteMHARRWorkingTogether2003MHproNews-115x150.png 115w\" sizes=\"(max-width: 598px) 100vw, 598px\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<p>This is one of two items from the document drop mentioned above.<\/p>\n<p>Before the Berkshire effect on MHI, MHI spoke in respectful terms of MHARR. That\u2019s evident from the same document above. Today, they MHI acts as if MHARR doesn\u2019t exist.<\/p>\n<p>Before the Berkshire effect on MHI, they were openly pushing for enhanced preemption to be implemented. They knew how important it was. They gave their members updates as to how it was being implemented.<\/p>\n<p>&nbsp;<\/p>\n<figure id=\"attachment_17623\" aria-describedby=\"caption-attachment-17623\" style=\"width: 599px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/MHIEnhancedPreemptionfrom2003MarkCalbriaHUDOverBillMatchneerTonyKovachMastheadblogMHProNews.png\"><img loading=\"lazy\" decoding=\"async\" class=\" wp-image-17623\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/MHIEnhancedPreemptionfrom2003MarkCalbriaHUDOverBillMatchneerTonyKovachMastheadblogMHProNews.png\" alt=\"MHIEnhancedPreemptionfrom2003MarkCalbriaHUDOverBillMatchneerTonyKovachMastheadblogMHProNews\" width=\"599\" height=\"471\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/MHIEnhancedPreemptionfrom2003MarkCalbriaHUDOverBillMatchneerTonyKovachMastheadblogMHProNews.png 934w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/MHIEnhancedPreemptionfrom2003MarkCalbriaHUDOverBillMatchneerTonyKovachMastheadblogMHProNews-546x430.png 546w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/MHIEnhancedPreemptionfrom2003MarkCalbriaHUDOverBillMatchneerTonyKovachMastheadblogMHProNews-150x118.png 150w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/MHIEnhancedPreemptionfrom2003MarkCalbriaHUDOverBillMatchneerTonyKovachMastheadblogMHProNews-768x604.png 768w\" sizes=\"(max-width: 599px) 100vw, 599px\" \/><\/a><figcaption id=\"caption-attachment-17623\" class=\"wp-caption-text\"><i> This is a powerful document when viewed through expert eyes. First, it makes the same case for &#8216;enhanced preemption&#8217; that MHARR, JD Harper, MHProNews, MHLivingNews and others have. It was the position of MHI. Per our source, this used to be on the MHI website. Why did they stop showing such material on their own website, when they claim to still support enhanced federal preemption? <\/i><\/figcaption><\/figure>\n<p>&nbsp;<\/p>\n<p>As former MHI President and CEO Chris Stinebert left MHI, his parting message could be read as a slap in the face of his former association. See that first-hand.<\/p>\n<p>&nbsp;<\/p>\n<figure id=\"attachment_17628\" aria-describedby=\"caption-attachment-17628\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.manufacturedhomelivingnews.com\/former-manufactured-housing-institute-president-manufactured-home-owners-urban-institute-and-you\/\" target=\"_blank\" rel=\"noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-17628\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/FormerManufacturedHousingInstitutePresidentChrisStinebertManufacturedHomeOwnersUrbanInstituteYouMHLivingNewsMast.png\" alt=\"FormerManufacturedHousingInstitutePresidentChrisStinebertManufacturedHomeOwnersUrbanInstituteYouMHLivingNewsMast\" width=\"600\" height=\"315\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/FormerManufacturedHousingInstitutePresidentChrisStinebertManufacturedHomeOwnersUrbanInstituteYouMHLivingNewsMast.png 600w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/FormerManufacturedHousingInstitutePresidentChrisStinebertManufacturedHomeOwnersUrbanInstituteYouMHLivingNewsMast-575x302.png 575w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/12\/FormerManufacturedHousingInstitutePresidentChrisStinebertManufacturedHomeOwnersUrbanInstituteYouMHLivingNewsMast-150x79.png 150w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/a><figcaption id=\"caption-attachment-17628\" class=\"wp-caption-text\"><i><a href=\"https:\/\/www.manufacturedhomelivingnews.com\/former-manufactured-housing-institute-president-manufactured-home-owners-urban-institute-and-you\/\" target=\"_blank\" rel=\"noopener noreferrer\">https:\/\/www.manufacturedhomelivingnews.com\/former-manufactured-housing-institute-president-manufactured-home-owners-urban-institute-and-you\/<\/a><br \/><\/i><\/figcaption><\/figure>\n<p>&nbsp;<\/p>\n<p>Now, after the Berkshire effect, the industry has been kept in low gear.<\/p>\n<p>After the Berkshire effect, manufactured home lenders like U.S. Bank were effectively forced to withdraw from the industry.<\/p>\n<p>After the Berkshire effect, the data reflects that Clayton Homes &#8211; while keeping the industry stunted through alleged ploys like those described and linked from herein \u2013 went from some 13 percent market share in 2003 to some 50 percent in 2018.<\/p>\n<p>So, compare and contrast.<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>Experts like Eric Belsky that studied manufactured housing thought that the industry could surpass conventional housing by 2010. That implies shipments a potential of over 1 million new homes a year.<\/li>\n<li>At the time of the industry\u2019s last high in 1998, the industry stood at a ratio of 3 new manufactured homes sold to 2 new RVs. By 2018, that had flipped. RVs now outsell manufactured homes by some 5 to 1.<\/li>\n<li>CNBC noted yesterday that conventional builder confidence is at a 20 year high. By contrast, manufactured housing is bumping along at only some 25 percent of their last high in 1998.<\/li>\n<\/ul>\n<p><iframe src=\"https:\/\/player.cnbc.com\/p\/gZWlPC\/cnbc_global?playertype=synd&amp;byGuid=7000113717\" width=\"560\" height=\"349\" frameborder=\"0\" scrolling=\"no\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/p>\n<p>There are any number of objective measures that should cause public officials, investors, advocates and others to ask, what\u2019s REALLY going on in manufactured housing?<\/p>\n<p>MHARR has asked for federal investigations.<\/p>\n<p>&nbsp;<\/p>\n<blockquote class=\"wp-embedded-content\" data-secret=\"fEXkRDHYWi\"><p><a href=\"https:\/\/manufacturedhousingassociationregulatoryreform.org\/mharr-calls-on-fhfa-to-join-increasing-demands-for-congressional-oversight\/\">MHARR Calls on FHFA To Join Increasing  Demands For Congressional Oversight<\/a><\/p><\/blockquote>\n<p><iframe class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; visibility: hidden;\" title=\"&#8220;MHARR Calls on FHFA To Join Increasing  Demands For Congressional Oversight&#8221; &#8212; Manufactured Housing Association for Regulatory Reform\" src=\"https:\/\/manufacturedhousingassociationregulatoryreform.org\/mharr-calls-on-fhfa-to-join-increasing-demands-for-congressional-oversight\/embed\/#?secret=fMyaa7Pokt#?secret=fEXkRDHYWi\" data-secret=\"fEXkRDHYWi\" width=\"500\" height=\"282\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe><\/p>\n<p>&nbsp;<\/p>\n<p>Some resident leaders are asking for federal investigations<\/p>\n<p>&nbsp;<\/p>\n<figure id=\"attachment_17461\" aria-describedby=\"caption-attachment-17461\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/making-affordable-manufactured-housing-appealing-and-great-again\" target=\"_blank\" rel=\"noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-17461\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/09\/RobertBobVanCleefManufacturedHomeCommunityLeaderDiscussesManufacturedHousingInsanityManufacturedHomeLivingNews.png\" alt=\"RobertBobVanCleefManufacturedHomeCommunityLeaderDiscussesManufacturedHousingInsanityManufacturedHomeLivingNews\" width=\"600\" height=\"315\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/09\/RobertBobVanCleefManufacturedHomeCommunityLeaderDiscussesManufacturedHousingInsanityManufacturedHomeLivingNews.png 600w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/09\/RobertBobVanCleefManufacturedHomeCommunityLeaderDiscussesManufacturedHousingInsanityManufacturedHomeLivingNews-150x79.png 150w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/09\/RobertBobVanCleefManufacturedHomeCommunityLeaderDiscussesManufacturedHousingInsanityManufacturedHomeLivingNews-575x302.png 575w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/a><figcaption id=\"caption-attachment-17461\" class=\"wp-caption-text\"><i><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/making-affordable-manufactured-housing-appealing-and-great-again\" target=\"_blank\" rel=\"noopener noreferrer\">https:\/\/www.manufacturedhomepronews.com\/masthead\/making-affordable-manufactured-housing-appealing-and-great-again<\/a> <\/i><\/figcaption><\/figure>\n<p>&nbsp;<\/p>\n<p><em>MHProNews<\/em> and <em>MHLivingNews<\/em> parent operation and management have called for federal, state and other investigations.<\/p>\n<p>The bottom line?<\/p>\n<p>If something walks like a duck, quacks like a duck, behaves like a duck, odds are good it\u2019s a duck.<\/p>\n<p>If something seems improbable in the natural order, one must look for reasonable causes. Occam&#8217;s razor says the most likely explanation \u2013 the simplest answers &#8211; is likely to be true.<\/p>\n<p>The powers that be in MHVille posture that they have connections. Indeed they do.<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>Okay, taken at fast value, then why aren\u2019t good federal laws being properly enforced? The logical answer? The powers that be in MHVille don\u2019t want those good laws enforced at this time.<\/li>\n<li>The Omaha-Knoxville-Arlington axis is pushing for new laws, instead of insisting that existing laws be enforced. Where the logic of that, unless it is to keep the industry busy with what MHARR calls the \u201c<a href=\"https:\/\/manufacturedhousingassociationregulatoryreform.org\/the-illusion-of-motion-versus-real-world-challenges\/\">illusion of motion<\/a>.\u201d Meanwhile, consolidation continues at often discounted rates.<\/li>\n<li>MHI\u2019s website today has vanished the key words \u201cenhanced preemption\u201d into the memory hole. By contrast, per insider sources, those same words were part of routine reports at MHI in the pre-Berkshire buyout of Clayton. Coincidence? The exact date of the switchover should be identified through public hearings using sworn testimony and subpoena powers.<\/li>\n<li>Publicly traded firms are arguably having their stock value harmed by this pattern. How can an investor properly evaluate the risk\/reward potential when big MHI member companies are apparently colluding to keep the industry underperforming? The SEC, plus FTC and DOJ at a minimum should investigate those concerns.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>The only hypothesis that fits the known facts is this. Buffett, Berkshire, in collusion with a few select MHI member firms has rigged the marketplace in a fashion that harms tens of millions of Americans. It has caused thousands of manufactured home independents to go out of business and\/or sell out at a discount. Some have benefited, because they pick up assets at a discounted valuation. They may stay quiet. Others are publicly quiet out of fear.<\/p>\n<p>That said, there are some that have spoken out.<\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/09\/KennyLipschutzHomeFirstCertifiedCommunitiesMHI-NCCmemberMHProNews.png\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-17486\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/09\/KennyLipschutzHomeFirstCertifiedCommunitiesMHI-NCCmemberMHProNews.png\" alt=\"KennyLipschutzHomeFirstCertifiedCommunitiesMHI-NCCmemberMHProNews\" width=\"577\" height=\"392\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/09\/KennyLipschutzHomeFirstCertifiedCommunitiesMHI-NCCmemberMHProNews.png 618w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/09\/KennyLipschutzHomeFirstCertifiedCommunitiesMHI-NCCmemberMHProNews-150x102.png 150w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/09\/KennyLipschutzHomeFirstCertifiedCommunitiesMHI-NCCmemberMHProNews-575x391.png 575w\" sizes=\"(max-width: 577px) 100vw, 577px\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/05\/SoTheAssociationMHIIsNotThereFortheIndustryUnlesstheinterestsoftheBigBoysJointheIndustrysMartyLavinMHIAwardWinnerQuoteMHProNe-e1533813590112.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-17128\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/05\/SoTheAssociationMHIIsNotThereFortheIndustryUnlesstheinterestsoftheBigBoysJointheIndustrysMartyLavinMHIAwardWinnerQuoteMHProNe-e1533813590112.jpg\" alt=\"SoTheAssociationMHIIsNotThereFortheIndustryUnlesstheinterestsoftheBigBoysJointheIndustrysMartyLavinMHIAwardWinnerQuoteMHProNe\" width=\"600\" height=\"221\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/05\/SoTheAssociationMHIIsNotThereFortheIndustryUnlesstheinterestsoftheBigBoysJointheIndustrysMartyLavinMHIAwardWinnerQuoteMHProNe-e1533813590112.jpg 600w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/05\/SoTheAssociationMHIIsNotThereFortheIndustryUnlesstheinterestsoftheBigBoysJointheIndustrysMartyLavinMHIAwardWinnerQuoteMHProNe-e1533813590112-150x55.jpg 150w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/05\/SoTheAssociationMHIIsNotThereFortheIndustryUnlesstheinterestsoftheBigBoysJointheIndustrysMartyLavinMHIAwardWinnerQuoteMHProNe-e1533813590112-575x212.jpg 575w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/01\/MHCommunitiesOfAZNealTHaneyPresidentWhyTheyQuitManufacturedHousingInstituteMHIDailyBusinessNewsMHProNews600-575x167-1.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-15789\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/01\/MHCommunitiesOfAZNealTHaneyPresidentWhyTheyQuitManufacturedHousingInstituteMHIDailyBusinessNewsMHProNews600-575x167-1.jpg\" alt=\"MHCommunitiesOfAZNealTHaneyPresidentWhyTheyQuitManufacturedHousingInstituteMHIDailyBusinessNewsMHProNews600-575x167\" width=\"575\" height=\"167\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/01\/MHCommunitiesOfAZNealTHaneyPresidentWhyTheyQuitManufacturedHousingInstituteMHIDailyBusinessNewsMHProNews600-575x167-1.jpg 575w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/01\/MHCommunitiesOfAZNealTHaneyPresidentWhyTheyQuitManufacturedHousingInstituteMHIDailyBusinessNewsMHProNews600-575x167-1-150x44.jpg 150w\" sizes=\"(max-width: 575px) 100vw, 575px\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/01\/FollowTheMoneyPayMoreAttentionToWhatPeopleDoThanWhatTheySayMartyLavin6MillionYachtManufacturedHousingIndustryDailyBusinessNews600-575x345-2.png\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-15847\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/01\/FollowTheMoneyPayMoreAttentionToWhatPeopleDoThanWhatTheySayMartyLavin6MillionYachtManufacturedHousingIndustryDailyBusinessNews600-575x345-2.png\" alt=\"FollowTheMoneyPayMoreAttentionToWhatPeopleDoThanWhatTheySayMartyLavin6MillionYachtManufacturedHousingIndustryDailyBusinessNews600-575x345\" width=\"575\" height=\"345\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/01\/FollowTheMoneyPayMoreAttentionToWhatPeopleDoThanWhatTheySayMartyLavin6MillionYachtManufacturedHousingIndustryDailyBusinessNews600-575x345-2.png 575w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/01\/FollowTheMoneyPayMoreAttentionToWhatPeopleDoThanWhatTheySayMartyLavin6MillionYachtManufacturedHousingIndustryDailyBusinessNews600-575x345-2-150x90.png 150w\" sizes=\"(max-width: 575px) 100vw, 575px\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/09\/DannyGhorbaniFormerMHIVpQuoteFoundingMHARRPresidentQuoteMHProNews.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-17481\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/09\/DannyGhorbaniFormerMHIVpQuoteFoundingMHARRPresidentQuoteMHProNews.jpg\" alt=\"DannyGhorbaniFormerMHIVpQuoteFoundingMHARRPresidentQuoteMHProNews\" width=\"600\" height=\"390\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/09\/DannyGhorbaniFormerMHIVpQuoteFoundingMHARRPresidentQuoteMHProNews.jpg 600w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/09\/DannyGhorbaniFormerMHIVpQuoteFoundingMHARRPresidentQuoteMHProNews-150x98.jpg 150w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/09\/DannyGhorbaniFormerMHIVpQuoteFoundingMHARRPresidentQuoteMHProNews-575x374.jpg 575w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<p>There\u2019s more but that\u2019s plenty to get the mind working and researchers, reporters and public officials to do what they are sworn to do, which IMHO is the following.<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li><strong>Uphold the law<\/strong>, regardless of how powerful or rich the person credibly accused may be.<\/li>\n<li><strong>Enforce the law<\/strong>. Make the American dream possible for more people by breaking up Berkshire and others.<\/li>\n<li><strong>Those who fear enforcing enhanced preemption seem to forget that it has been enforced<\/strong>. Where was the public outcry? Where was the countersuits?<\/li>\n<li><strong>That\u2019s not to say that it couldn\u2019t occur<\/strong>. It might. But the issue is educational and legal. What do people want? Tents and cardboard boxes out front on the sidewalks? Cars that aren\u2019t running on their streets? Or wouldn\u2019t it make more sense to make proper enforcement of the MHIA, enhanced preemption and the lending that supports it a reality?<\/li>\n<li><strong>Enforcing the law, <\/strong>per Obama-era and researchers since, could bring trillions of new wealth to Americans over time.<\/li>\n<li><strong>True, some will be upset. <\/strong>But tens of millions will benefit.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>That\u2019s our bottom lines. Investigate. Enforce the laws. No one is above the law. Give people their shot at the American dream.<\/p>\n<p>Epic corruption keeps that from occurring. To learn more see the related reports linked above and below the byline and notices. \u00a0\u201c<span style=\"color: #800000;\"><strong>Industry News, Tips, and Views Pros Can Use<\/strong><\/span>,\u201d \u00a9 where \u201c<span style=\"color: #800000;\"><strong>We Provide, You Decide<\/strong><\/span>.\u201d \u00a9 (News, fact-checks, analysis, and commentary. See more below the byline, notices and sign up for our free x2 weekly emailed headline updates.) ## <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<figure id=\"attachment_17563\" aria-describedby=\"caption-attachment-17563\" style=\"width: 369px\" class=\"wp-caption alignleft\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/11\/LATonyKovachPhotoBrianKilmeadePhotoMastheadManufacturedHomeProNew.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-17563\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/11\/LATonyKovachPhotoBrianKilmeadePhotoMastheadManufacturedHomeProNew.jpg\" alt=\"LATonyKovachPhotoBrianKilmeadePhotoMastheadManufacturedHomeProNew\" width=\"369\" height=\"233\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/11\/LATonyKovachPhotoBrianKilmeadePhotoMastheadManufacturedHomeProNew.jpg 458w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/11\/LATonyKovachPhotoBrianKilmeadePhotoMastheadManufacturedHomeProNew-150x95.jpg 150w\" sizes=\"(max-width: 369px) 100vw, 369px\" \/><\/a><figcaption id=\"caption-attachment-17563\" class=\"wp-caption-text\"><i> MHI loves their photo ops. <strong>The photo above reflects the point that photo ops can be arranged.<\/strong> What matters more than photo ops is actual positive outcomes for the majority of manufactured industry professionals, not just benefits for a select few. Want more photos? Stay tuned. <\/i><\/figcaption><\/figure>\n<p>By <a href=\"http:\/\/latonykovach.com\" target=\"_blank\" rel=\"noopener noreferrer\">L.A. &#8220;Tony&#8221; Kovach<\/a> &#8211; for <em>MHProNews<\/em>.com.<\/p>\n<p><em>Tony earned a journalism scholarship and was recognized with the prestigious Lottinville Award in history from the University of Oklahoma, where he also studied business management with a perfect 4.0 and made the Dean&#8217;s List. Tony has earned multiple awards in manufactured housing and in history<\/em>. He&#8217;s a managing member of LifeStyle Factory Homes, LLC, the parent company to <em>MHProNews,<\/em> and <a href=\"http:\/\/MHLivingNews.com\" target=\"_blank\" rel=\"noopener noreferrer\"><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\">: <\/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 noreferrer\"><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<figure id=\"attachment_81507\" aria-describedby=\"caption-attachment-81507\" style=\"width: 200px\" class=\"wp-caption alignright\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/subscribe-to-headline-industry-news\/\" target=\"_blank\" rel=\"noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-81507\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2018\/06\/ManufacturedHomeIndustry1HeadlineNewsMHProNews.gif\" alt=\"ManufacturedHomeIndustry#1HeadlineNewsMHProNews\" width=\"200\" height=\"200\" \/><\/a><figcaption id=\"caption-attachment-81507\" class=\"wp-caption-text\"><i>To <a href=\"https:\/\/www.manufacturedhomepronews.com\/subscribe-to-headline-industry-news\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>sign up for the factory-built home industry&#8217;s #1 headline news, click here<\/strong> <\/a>or the graphic above. <\/i><\/figcaption><\/figure>\n<p>Click<strong> <a href=\"https:\/\/www.manufacturedhomepronews.com\/subscribe-to-headline-industry-news\/\" target=\"_blank\" rel=\"noopener noreferrer\">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<h2><\/h2>\n<h2><span style=\"color: #0000ff;\"><strong>Related References<\/strong><\/span>:<\/h2>\n<h4>The text\/image boxes below are linked to other reports, which can be accessed by clicking on them.<\/h4>\n<p>&nbsp;<\/p>\n<figure id=\"attachment_17528\" aria-describedby=\"caption-attachment-17528\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/expose-darren-krolewski-datacomp-mhvillage-mhinsider-marketing-claims-fact-check-infographic-and-analysis\/\" target=\"_blank\" rel=\"noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-17528\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/10\/ExposeLeadershipTeamDarrenKrolewskiPhotoDatacompMHVillageMHInsiderLogosMarketingClaimsFactCheckInfographicAnalysisMHProNews.png\" alt=\"ExposeLeadershipTeamDarrenKrolewskiPhotoDatacompMHVillageMHInsiderLogosMarketingClaimsFactCheckInfographicAnalysisMHProNews\" width=\"600\" height=\"315\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/10\/ExposeLeadershipTeamDarrenKrolewskiPhotoDatacompMHVillageMHInsiderLogosMarketingClaimsFactCheckInfographicAnalysisMHProNews.png 600w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/10\/ExposeLeadershipTeamDarrenKrolewskiPhotoDatacompMHVillageMHInsiderLogosMarketingClaimsFactCheckInfographicAnalysisMHProNews-150x79.png 150w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2019\/10\/ExposeLeadershipTeamDarrenKrolewskiPhotoDatacompMHVillageMHInsiderLogosMarketingClaimsFactCheckInfographicAnalysisMHProNews-575x302.png 575w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/a><figcaption id=\"caption-attachment-17528\" class=\"wp-caption-text\"><i> Showing these images and logos should not be construed as an endorsement, as the fact-check and analysis below will make clear. See report <a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/expose-darren-krolewski-datacomp-mhvillage-mhinsider-marketing-claims-fact-check-infographic-and-analysis\/\" target=\"_blank\" rel=\"noopener noreferrer\">linked here<\/a>. <\/i><\/figcaption><\/figure>\n<p>https:\/\/www.manufacturedhomepronews.com\/wow-giving-credit-interesting-what-rick-robinson-mhis-general-counsel-said-about-zoning-battles\/<\/p>\n","protected":false},"excerpt":{"rendered":"<p>&nbsp; Epic is a word that\u2019s historic by implication. On a deep dive article, make sure you have some time because Matthew Kelly and Warren Buffett have this in common. One must read for depth of understanding. Corruption, as our Daily Business News reports on MHProNews recently reminded readers, includes decades of examples from both &hellip;<\/p>\n<p class=\"read-more\"> <a class=\"ast-button\" href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/evidence-of-epic-corruption-mhi-big-boy-members-hud-fhfa-insider-news-tip-includes-document-drops\/\"> <span class=\"screen-reader-text\">Evidence of Epic Corruption-MHI &#038; \u2018Big Boy Members,\u2019 HUD, FHFA &#8211; Insider News Tip Includes Document Drops<\/span> Read More \u00bb<\/a><\/p>\n","protected":false},"author":5,"featured_media":17595,"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":[5084,5085,5073],"tags":[5369,1761,4807,4444,354,917,162,388,275,5245,5370,533],"class_list":["post-17577","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-manufactured-housing-industry-reports-news","category-manufactured-housing-industry-trends","category-news-analysis","tag-castle","tag-clayton-homes","tag-corruption","tag-fannie-mae","tag-fhfa","tag-freddie-mac","tag-hud","tag-kevin-clayton","tag-manufactured-housing-institute","tag-moat","tag-robert-p-miles","tag-warren-buffett"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Evidence of Epic Corruption-MHI &amp; \u2018Big Boy Members,\u2019 HUD, FHFA - Insider News Tip Includes Document Drops<\/title>\n<meta name=\"description\" content=\"Warren Buffett, Castle, Moat, Kevin Clayton, Clayton Homes, Robert P. 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