{"id":8583,"date":"2014-07-18T11:08:35","date_gmt":"2014-07-18T16:08:35","guid":{"rendered":"http:\/\/manufacturedhomepronews.com\/masthead\/?p=8583"},"modified":"2014-07-18T11:57:18","modified_gmt":"2014-07-18T16:57:18","slug":"subsidized-housing-our-secret-enemy","status":"publish","type":"post","link":"https:\/\/www.manufacturedhomepronews.com\/masthead\/subsidized-housing-our-secret-enemy\/","title":{"rendered":"Subsidized Housing &#8211; Our Secret Enemy?"},"content":{"rendered":"<p>Let&#39;s begin by stating that those who favor subsidized housing, or other programs for lower income households, routinely do so with &ldquo;good intentions.&rdquo; &nbsp;The questions that ought to be asked are many, but we will focus on why manufactured housing professionals ought to sit up and take notice of facts, challenges and &ldquo;opportunities in disguise&rdquo; posed by federal, state and local subsidized housing programs.<\/p><div id=\"manuf-289539873\" 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><strong>The CBPP Says&#8230;<\/strong><\/p>\n<p>According to the <strong>Center on Budget and Policy Priorities<\/strong> (CBPP.org) <strong>2,161,468<\/strong> low income households are receiving Housing Choice Vouchers (HCVs) in 2013. CBPP also asserts that: <em><strong>&ldquo;Private owners across the United States received $16.6 billion in HCV assistance payments in 2013.&rdquo;<\/strong><\/em><\/p>\n<p>&ldquo;Private owners&rdquo; means private business owners.<\/p>\n<p>Let&#39;s drill down on these facts for the next few minutes.<\/p>\n<p><strong>Millions Divided into Billion$ Means&#8230;<\/strong><\/p>\n<p>Take that $16.6 billion and divide it by the 2.16 million who are getting HCVs. That&#39;s an average program cost of $7,679.95 per household a year. To rephrase, that&#39;s $640 monthly. You might think, &ldquo;that&#39;s rather modest,&rdquo; right? But what is that getting someone with the HCV, maybe a class c apartment?<\/p>\n<p>In the U.S. today, there are an estimated 420,000 vacant MH sites. $344.03 is the 15 year payment on an 8% APR loan of $36,000, which could be the financed amount on a modest 3 bedroom 2 bath single section manufactured home in many U.S. markets. While the site fees on thousands of MH land lease communities with vacancies will certainly be above $300 monthly, there are thousands of MHCs that have that monthly site fee or less.<\/p>\n<p style=\"text-align: center;\"><img fetchpriority=\"high\" decoding=\"async\" alt=\"compare-class-c-apartments-vs.3-star-manufactured-home-community-masthead-blog-manufacturedhousing-mhpronews-com-\" height=\"356\" src=\"http:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/compare-class-c-apartments-vs_3-star-manufactured-home-community-masthead-blog-manufacturedhousing-mhpronews-com-(2).png\" width=\"475\" \/><\/p>\n<p>Now let&#39;s take a different look.<\/p>\n<p>One could also take a $40,000 home-site and $40,000 single section home combo as the financed amount on a fee simple purchase at 6% for 20 years (yes, lower rates and longer terms are available, but we aren&#39;t using a full PITI analysis in this calculation either), which would yield a $573.14 monthly payment.<\/p>\n<p>The point is instead of giving billions in subsidies to private citizens and corporations,<em> a similar amount of money could be used to pay the monthly payment on an modern albeit modest single section manufactured home and a home site.<\/em> &nbsp;Please see the graphic below as an example of such a home.<\/p>\n<p><strong>2,161,468 lost sales at $40,000 = &#8230;<\/strong><\/p>\n<p>Do the math. That potential 2,161,468 in MH sales @ $40,000 each represents $86,458,720,000 in lost business to those who sell new manufactured homes. As industry pros know, modern MH is lower in initial cost, more energy efficient, safer against a fire and lower cost to maintain than a comparable footprint conventional house.<\/p>\n<p>Let&#39;s say our MH Industry manages to hit 70,000 new manufactured homes this year. So 2.16 million possible added orders would be about a 30 fold increase over current production levels. &nbsp;More to the point, it would be spread out over years, and this alone would take us back to historic production levels.<\/p>\n<p style=\"text-align: center;\"><a href=\"http:\/\/manufacturedhomepronews.com\/masthead\/subsidized-housing-our-secret-enemy\/compare-interiors-class-c-apartment-vs-modern-manufactured-home-credits-betweenapsontheporch-manufacturedhomelivingnews-com-posted-masthead-mhpronews-com\/\" rel=\"attachment wp-att-8609\"><img decoding=\"async\" alt=\"compare-interiors-class-c-apartment-vs-modern-manufactured-home-credits-betweenapsontheporch-manufacturedhomelivingnews-com-posted-masthead-mhpronews-com-\" class=\"aligncenter size-medium wp-image-8609\" height=\"430\" src=\"http:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2014\/07\/compare-interiors-class-c-apartment-vs-modern-manufactured-home-credits-betweenapsontheporch-manufacturedhomelivingnews-com-posted-masthead-mhpronews-com--573x430.png\" title=\"compare-interiors-class-c-apartment-vs-modern-manufactured-home-credits-betweenapsontheporch-manufacturedhomelivingnews-com-posted-masthead-mhpronews-com-\" width=\"573\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2014\/07\/compare-interiors-class-c-apartment-vs-modern-manufactured-home-credits-betweenapsontheporch-manufacturedhomelivingnews-com-posted-masthead-mhpronews-com--573x430.png 573w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2014\/07\/compare-interiors-class-c-apartment-vs-modern-manufactured-home-credits-betweenapsontheporch-manufacturedhomelivingnews-com-posted-masthead-mhpronews-com--150x112.png 150w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2014\/07\/compare-interiors-class-c-apartment-vs-modern-manufactured-home-credits-betweenapsontheporch-manufacturedhomelivingnews-com-posted-masthead-mhpronews-com-.png 1024w\" sizes=\"(max-width: 573px) 100vw, 573px\" \/><\/a><\/p>\n<p align=\"CENTER\"><em>We need to take a fresh look at many federal, state and local<br \/>\n\t<\/em><em style=\"font-size: 12px;\">programs that either harm or benefit the public and our industry.<\/em><\/p>\n<p><strong>Jobs<\/strong><\/p>\n<p>The Manufactured Housing Institute uses the number of 1 HUD Code manufactured home = 1 job. So that 2.16 million homes would be 2.16 million jobs, almost all of them &#39;new ones added&#39; to the U.S. economy. &nbsp;<\/p>\n<p><strong>Public Policy<\/strong><\/p>\n<p>Which is the better public policy? To rent people a unit, or to help more Americans become home owners?<\/p>\n<p>There are studies that suggest the many social and economic benefits which flow to households that are buying their home versus those who are only renting.<\/p>\n<p>Further, which makes the most sense? The rental market is tight now. Why should we economically support via tax dollars rentals? Doesn&#39;t it makes more sense to support new manufactured home construction with those same dollars in private-public ventures? Supply and demand suggests that more new MH sales could also help lower rental housing rates.<\/p>\n<p>Clearly, this is a broad brush and we could take a poke at the above, one already being suggested: all the nuances of PITI (Principle, Interest, Taxes and Insurance) were not factored in. Another is that we don&#39;t have a figure at hand for what the federal program overhead is on HCVs. <em><strong>But none of that undermines the premise<\/strong>. <\/em>This is meant as a discussion starter, not a definitive 5 year study for Harvard or Yale.<\/p>\n<p><strong>Other benefits<\/strong><\/p>\n<p>Just as we brushed past program overhead and all the costs &#8211; such as full PITI, energy and maintenance analysis &#8211; we also swept past clear victories such a new look at existing program outlines.<\/p>\n<p>For example, we could remind readers that manufactured home owners tend to stay in their homes longer than conventional home owners. &nbsp;Also, at some point,&nbsp;<em>the loan is paid off.<\/em> By contrast, there is no end in sight for rent, until one manages to moves out of a subsidized apartment and finally makes a housing purchase.<\/p>\n<p><strong>Nothing&#39;s Overnight, but a Longer Term MH Vision is needed<\/strong><\/p>\n<p>Our industry is not alone in needing a longer-term vision. Corporate America, as one expert I was listening to recently said, is so focused on the next quarter that this investor wondered how many had a serious 5 year business plan?<\/p>\n<p>We need to take a fresh look at ourselves while simultaneously helping tens of millions of Americans, public officials, the mainstream media, investors and non-profits better grasp the many benefits and opportunities of modern manufactured homes.<\/p>\n<p>Common sense as well as the facts favor today&#39;s manufactured housing. Almost everything we buy or use comes from a production facility &ndash; &ldquo;a plant.&rdquo; Even conventional construction is mimicking on-site what we in factory home building do, because much of what they do in so-called &quot;site-building&quot; was actually &#39;pre-built&#39; in a factory and assemble on location. Increased production of a goods or service tends to keep costs down.<\/p>\n<p style=\"text-align: center;\"><img decoding=\"async\" alt=\"ron-thomas-sr-louisville-manufactured-housing-show-chairman-manufactured-housing-its-a-phenomena-mhpronews-com-\" height=\"356\" src=\"http:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/ron-thomas-sr-louisville-manufactured-housing-show-chairman-manufactured-housing-its-a-phenomena-mhpronews-com-(1).png\" width=\"475\" \/><\/p>\n<p>&nbsp;<\/p>\n<p>&ldquo;<strong>Its a Phenomena!&rdquo; <\/strong><\/p>\n<p><a href=\"http:\/\/mhmarketingsalesmanagement.com\/home\/featured-articles\/june-2014\/138-general-manufactured-housing-industry-topics\/7675-inside-manufactured-housing-a-video-interview-with-ron-thomas-sr-founder-rona-homes-midwest-manufactured-housing-federation-and-louisville-manufactured-home-show-chairman\" target=\"_blank\">Ron Thomas Sr. &#8211; Chairman<\/a> of the Midwest Manufactured Housing Federation (MMHF), Chairman of the Louisville Manufactured Housing Show and award winning founder of Rona Homes &ndash; is great at turning a phrase.<strong><em> &ldquo;Manufactured housing, it&#39;s a phenomena!&rdquo;<\/em><\/strong>&nbsp;Thomas passionately proclaims.<\/p>\n<p>Ron Thomas is correct in saying that precisely because MH is &ldquo;a phenomena,&rdquo; we need to look at it with new eyes. We need to better grasp all the angles and nuances.<\/p>\n<p>The deeper the open-minded go, the more they understand that old mobile homes are not modern manufactured homes and the more there is to like. Former site-builder <a href=\"http:\/\/www.mhmarketingsalesmanagement.com\/home\/featured-articles\/july-2014\/138-general-manufactured-housing-industry-topics\/7857-stacey-epperson-ceo-of-next-step-discusses-affordable-housing-and-the-energystar-manufactured-home-solution-inside-mh\" target=\"_blank\">Stacey Epperson &ndash; who once hated old &#39;mobile homes&#39;, now embraces modern manufactured housing<\/a> &#8211; through her not-for-profit and for-profit efforts.<\/p>\n<p>The just published, <a href=\"http:\/\/manufacturedhomelivingnews.com\/foremost-report-manufactured-home-customer-survey-and-market-facts\/\" target=\"_blank\">exclusive version of a new Foremost Insurance report on manufactured home owners and trends<\/a> provides even more facts that help MHIndustry pros make the case for a better appreciation and understanding of the value we&#39;ve brought to millions of Americans.<\/p>\n<p>Subsidized housing is the tip of a huge iceberg. Those billions can clearly be better used.<\/p>\n<p>A trillion dollar annual U.S. housing market is begging manufactured housing pros and investors to step up to the plate! &nbsp;With over 10,000 seniors retiring daily, with millions making less than they did 5 years ago, today&#39;s manufactured homes are poised to shine. We need to see the opportunities and develop the steps needed to make them happen. ##<\/p>\n<p><a href=\"http:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2014\/07\/center-on-budget-and-policy-issues-cpbb-org-fact-sheet-u-s-housing-choice-voucher-program-.pdf\" target=\"_blank\">Download CBPP.org HCV Fact Sheet<\/a><\/p>\n<p><em><img loading=\"lazy\" decoding=\"async\" alt=\"L. A. &quot;Tony&quot; Kovach\" height=\"120\" src=\"http:\/\/www.mhmarketingsalesmanagement.com\/blogs\/bobstovall\/wp-content\/uploads\/l-a-tony-kovach.jpg\" style=\"float: left; margin-top: 8px; margin-right: 10px; margin-left: 10px;\" width=\"120\" \/>L. A. &#39;Tony&#39; Kovach <\/em><a href=\"http:\/\/manufacturedhomelivingnews.com\/\" target=\"_blank\">ManufacturedHomeLivingNews.com<\/a> | <a href=\"http:\/\/www.mhmarketingsalesmanagement.com\/\" target=\"_blank\">MHProNews.com <\/a>| <em>Business and Public Marketing &amp; Ads<\/em>: <a href=\"http:\/\/www.mhmarketingsalesmanagement.com\/advertise\" target=\"_blank\">B2B<\/a> | <a href=\"http:\/\/www.manufacturedhomelivingnews.com\/advertise\" target=\"_blank\">B2C <\/a>Websites, Contract Marketing &amp; Sales Training, Consulting, Speaking: <a href=\"http:\/\/mhc-md.com\/\" target=\"_blank\">MHC-MD.com<\/a> | <a href=\"http:\/\/latonykovach.com\/\" target=\"_blank\">LATonyKovach.com<\/a> | Office <a href=\"tel:863-213-4090\">863-213-4090<\/a> Connect on LinkedIN: <a href=\"http:\/\/www.linkedin.com\/in\/latonykovach\" target=\"_blank\">http:\/\/www.linkedin.com\/in\/latonykovach&nbsp;<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Let&#39;s begin by stating that those who favor subsidized housing, or other programs for lower income households, routinely do so with &ldquo;good intentions.&rdquo; &nbsp;The questions that ought to be asked are many, but we will focus on why manufactured housing professionals ought to sit up and take notice of facts, challenges and &ldquo;opportunities in disguise&rdquo; &hellip;<\/p>\n<p class=\"read-more\"> <a class=\"ast-button\" href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/subsidized-housing-our-secret-enemy\/\"> <span class=\"screen-reader-text\">Subsidized Housing &#8211; Our Secret Enemy?<\/span> Read More \u00bb<\/a><\/p>\n","protected":false},"author":5,"featured_media":0,"comment_status":"open","ping_status":"open","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":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","footnotes":""},"categories":[5073],"tags":[2465,1958,1669,374,1081,1051,284,1289,367,2828,894,1555,2606,85,162,526,1245,3352,1455,1811,317,682,1534,540,1836,1467,29,36,275,477,174,8,3581,1611,699,320,212,1600,1117,1866,710,3015],"class_list":["post-8583","post","type-post","status-publish","format-standard","hentry","category-news-analysis","tag-business-owner","tag-common-sense","tag-conventional-construction","tag-doe","tag-els","tag-energy-efficient","tag-factory-home-building","tag-finance","tag-foremost","tag-home-construction","tag-home-owners","tag-housing-institute","tag-housing-market","tag-housing-show","tag-hud","tag-hud-code","tag-hud-code-manufactured-home","tag-insurance","tag-interview","tag-land-lease","tag-land-lease-communities","tag-louisville","tag-louisville-manufactured-housing","tag-louisville-manufactured-housing-show","tag-mainstream-media","tag-manufactured","tag-manufactured-home","tag-manufactured-homes","tag-manufactured-housing-institute","tag-mhc","tag-mhcs","tag-mhi","tag-mhindustry","tag-mhm","tag-mmhf","tag-mobile-home","tag-mobile-homes","tag-new-home-sales","tag-roc","tag-ron-thomas","tag-ron-thomas-sr","tag-stacey-epperson"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Subsidized Housing - Our Secret Enemy? - Masthead L. A. &#039;Tony&#039; Kovach<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/subsidized-housing-our-secret-enemy\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Subsidized Housing - Our Secret Enemy? - Masthead L. A. &#039;Tony&#039; Kovach\" \/>\n<meta property=\"og:description\" content=\"Let&#039;s begin by stating that those who favor subsidized housing, or other programs for lower income households, routinely do so with &ldquo;good intentions.&rdquo; &nbsp;The questions that ought to be asked are many, but we will focus on why manufactured housing professionals ought to sit up and take notice of facts, challenges and &ldquo;opportunities in disguise&rdquo; &hellip; Subsidized Housing &#8211; Our Secret Enemy? 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