{"id":9343,"date":"2014-12-10T20:02:47","date_gmt":"2014-12-11T02:02:47","guid":{"rendered":"http:\/\/manufacturedhomepronews.com\/masthead\/?p=9343"},"modified":"2014-12-10T20:02:47","modified_gmt":"2014-12-11T02:02:47","slug":"the-mh-nightmare-or-the-mhimpossible-dream-part-ii","status":"publish","type":"post","link":"https:\/\/www.manufacturedhomepronews.com\/masthead\/the-mh-nightmare-or-the-mhimpossible-dream-part-ii\/","title":{"rendered":"The MH Nightmare or the MHImpossible Dream? Part II"},"content":{"rendered":"<p lang=\"en-US\" align=\"LEFT\"><span style=\"color: #000000;\"><span style=\"font-family: Helvetica, Arial, sans-serif;\"><span style=\"font-size: medium;\"><span style=\"color: #000000;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">Before continuing part two of &#8211; <\/span><\/span><\/span><span style=\"color: #000080;\"><span lang=\"zxx\"><span style=\"text-decoration: underline;\"><a href=\"http:\/\/www.mhmarketingsalesmanagement.com\/blogs\/tonykovach\/?p=9328\" target=\"_blank\"><span style=\"color: #0000ff;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">The MH Impossible Dream<\/span><\/span><\/span><\/a><\/span><\/span><\/span><span style=\"color: #000000;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">? &#8211; let&#8217;s look briefly at a MH nightmare scenario lurking in the shadows&#8230;<\/span><\/span><\/span><\/span><\/span><\/span><\/p><div id=\"manuf-3132484437\" 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 lang=\"en-US\" align=\"LEFT\"><span style=\"color: #000000;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\"><b><a href=\"http:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2014\/12\/storm-clouds-nightmare-mario-flickrcreatvecommonscredit-posted-masthead-blog-mhpronews-.png\"><img fetchpriority=\"high\" decoding=\"async\" class=\"alignleft  wp-image-9345\" src=\"http:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2014\/12\/storm-clouds-nightmare-mario-flickrcreatvecommonscredit-posted-masthead-blog-mhpronews-.png\" alt=\"storm-clouds-nightmare-mario-flickrcreatvecommons=credit-posted-masthead-blog-mhpronews-\" width=\"319\" height=\"239\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2014\/12\/storm-clouds-nightmare-mario-flickrcreatvecommonscredit-posted-masthead-blog-mhpronews-.png 475w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2014\/12\/storm-clouds-nightmare-mario-flickrcreatvecommonscredit-posted-masthead-blog-mhpronews--150x112.png 150w\" sizes=\"(max-width: 319px) 100vw, 319px\" \/><\/a>A Manufactured Housing Industry Nightmare<\/b><\/span><\/span><\/span><\/p>\n<p lang=\"en-US\" align=\"LEFT\"><span style=\"color: #000000;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">It&#8217;s near the end of the first quarter of 2017. A dark horse Democratic candidate emerged and upset Hillary Clinton, Joe Biden and Elizabeth Warren for their party&#8217;s nomination in 2016. Less known that Barack Obama was, but using a populist message and an Obama-like coalition\/organizing campaign plus digital excellence equaled victory. This Democratic national newbie defeated the GOP duo that emerged from a deep and wide field of Republicans, because they came together too late to continue their victory wave from the 2014 midterms. <\/span><\/span><\/span><\/p>\n<p lang=\"en-US\" align=\"LEFT\"><span style=\"color: #000000;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">Enough of the House and Senate remained in Republican hands to keep the GOP in control of both chambers. But this new president began almost immediately issuing Executive Orders (EOs) to various federal departments and agencies, even more boldly than his predecessors had. <\/span><\/span><\/span><\/p>\n<p lang=\"en-US\" align=\"LEFT\"><span style=\"color: #000000;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">The Imperial Presidency the founding fathers feared was now real in America.<\/span><\/span><\/span><\/p>\n<p lang=\"en-US\" style=\"text-align: center;\" align=\"LEFT\"><a href=\"http:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2014\/12\/creepy-shadow-nightmare-chia-hsin-ho-flickrcreativecommonscredit-posted-masthead-blog-mhpronews-475-329-.png\"><img decoding=\"async\" class=\"aligncenter  wp-image-9346\" src=\"http:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2014\/12\/creepy-shadow-nightmare-chia-hsin-ho-flickrcreativecommonscredit-posted-masthead-blog-mhpronews-475-329-.png\" alt=\"creepy-shadow-nightmare-chia-hsin-ho-flickrcreativecommons=credit-posted-masthead-blog-mhpronews-475-329-\" width=\"359\" height=\"269\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2014\/12\/creepy-shadow-nightmare-chia-hsin-ho-flickrcreativecommonscredit-posted-masthead-blog-mhpronews-475-329-.png 475w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2014\/12\/creepy-shadow-nightmare-chia-hsin-ho-flickrcreativecommonscredit-posted-masthead-blog-mhpronews-475-329--150x112.png 150w\" sizes=\"(max-width: 359px) 100vw, 359px\" \/><\/a><\/p>\n<p lang=\"en-US\" align=\"LEFT\"><span style=\"color: #000000;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">Among the various EOs issued by the firebrand was a well meaning regulatory burden imposed by POTUS (President of the United States) through the CFPB on MH lending. Under the new 2017 regs, rates and terms had to mirror conventional, GSE or GNMA mortgage products, even for home-only (chattel or personal property) loans. <\/span><\/span><\/span><\/p>\n<p lang=\"en-US\" align=\"LEFT\"><span style=\"color: #000000;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">While land\/home deals were still possible, the rapid collapse of chattel financing meant a 60% reduction in HUD code MH production almost overnight. Challenges in the courts to the CFPB&#8217;s new regs were still years away&#8230;this drove out the last of the MH &#8220;home only&#8221; or personal property lenders. It was a hammer blow to MHC sales.<\/span><\/span><\/span><\/p>\n<p lang=\"en-US\" align=\"LEFT\"><span style=\"color: #000000;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">The impact of the new regs were a case of too much, too fast with too little cash and land\/home biz in the pipeline for the industry at large. <\/span><\/span><\/span><\/p>\n<p lang=\"en-US\" align=\"LEFT\"><span style=\"color: #000000;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">The new HUD Code shipments that rose from under 70,000 homes in 2014, peaked in 2016 at 79,000 MHs. The SAAR (Seasonally Adjusted Annual Rate of production) &#8211; sans chattel lenders &#8211; dropped in 2017 to under 43,000 homes a year. That contraction forced the closure of a wave of independent HUD Code MH producers. <\/span><\/span><\/span><\/p>\n<p lang=\"en-US\" align=\"LEFT\"><span style=\"color: #000000;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">When 2017 drew to mid-year, there were 7 MH producers left standing. By year&#8217;s end, there would be 4. The handwriting was on the wall.<a href=\"http:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2014\/12\/tombstones-the-nightmare-michele-bighignoli-flickrcreativecommonscredit-posted-masthead-blog-mhpronews-475-329-rev-.png\"><img decoding=\"async\" class=\"alignright  wp-image-9347\" src=\"http:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2014\/12\/tombstones-the-nightmare-michele-bighignoli-flickrcreativecommonscredit-posted-masthead-blog-mhpronews-475-329-rev-.png\" alt=\"tombstones-the-nightmare-michele-bighignoli-flickrcreativecommons=credit-posted-masthead-blog-mhpronews-475-329-rev-\" width=\"323\" height=\"224\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2014\/12\/tombstones-the-nightmare-michele-bighignoli-flickrcreativecommonscredit-posted-masthead-blog-mhpronews-475-329-rev-.png 475w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2014\/12\/tombstones-the-nightmare-michele-bighignoli-flickrcreativecommonscredit-posted-masthead-blog-mhpronews-475-329-rev--150x103.png 150w\" sizes=\"(max-width: 323px) 100vw, 323px\" \/><\/a><\/span><\/span><\/span><\/p>\n<p lang=\"en-US\" align=\"LEFT\"><span style=\"color: #000000;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">The HUD Code was finished. The only question was &#8220;when&#8221; it became official. Berkshire-Hathaway was looking at how they could shift their HUD MH production as rapidly as possible to panelizing and 3D &#8220;printing&#8221; of houses. <\/span><\/span><\/span><\/p>\n<p lang=\"en-US\" align=\"LEFT\"><span style=\"color: #000000;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\"><b>In the MHNightmare, What went wrong?<\/b><\/span><\/span><\/span><\/p>\n<ul>\n<li>\n<p lang=\"en-US\" align=\"LEFT\"><span style=\"color: #000000;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">Manufactured Housing failed to come together in an image\/PR\/education effort that could have lifted the industry to new highs. Low production levels equaled greater risk.<\/span><\/span><\/span><\/p>\n<\/li>\n<li>\n<p lang=\"en-US\" align=\"LEFT\"><span style=\"color: #000000;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">MHARR and MHI kept duking it out. For example, MHI favored stances that harmed small producers. Of course, they reacted and fought back. Such a lack of unity between the two associations added to their mutual vulnerability and death spiral.<\/span><\/span><\/span><\/p>\n<\/li>\n<li>\n<p lang=\"en-US\" align=\"LEFT\"><span style=\"color: #000000;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">Seasoned state execs who had quietly hoped for a detente between MHI and MHARR never saw it happen. Now half of those state association execs were out of a job. Some two dozen state associations began to close or were manned by part-time volunteers. There were too few MH shipments left. <\/span><\/span><\/span><\/p>\n<\/li>\n<li>\n<p lang=\"en-US\" align=\"LEFT\"><span style=\"color: #000000;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">MHCs which had in some cases had been doing quite well, we&#8217;re now in a dilemma. Where would the product come from to fill present and future vacancies? So&#8230;<\/span><\/span><\/span><\/p>\n<\/li>\n<li>\n<p lang=\"en-US\" align=\"LEFT\"><span style=\"color: #000000;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">Public MHC companies watched as their stocks dropped rapidly. <\/span><\/span><\/span><\/p>\n<\/li>\n<\/ul>\n<p lang=\"en-US\" align=\"LEFT\"><span style=\"color: #000000;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">Marty Lavin would prove right. Communities would be sold off to big box stores, or re-developers turned them into multi-family housing. Some small ones reverted to green-space or corn fields, once the last manufactured home left. <\/span><\/span><\/span><\/p>\n<p lang=\"en-US\" align=\"LEFT\"><span style=\"color: #000000;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">The wealth of MHC giants and success stories dwindled, but the land value protected many from a major wipe out.<\/span><\/span><\/span><\/p>\n<p lang=\"en-US\" align=\"LEFT\"><span style=\"color: #000000;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">Independent modular home producers fared only marginally better. Since they failed to team up with HUD builders to promote the factory-built home as a superior option to stick-building. They now looked like a young dinosaur, but still a Dino.<\/span><\/span><\/span><\/p>\n<p lang=\"en-US\" align=\"LEFT\"><span style=\"color: #000000;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">There would soon be no independent factory-builders of HUDs or MODs left in in the United States of America. But Canada, Australia and England were among the nations were similar product carried on.<\/span><\/span><\/span><\/p>\n<p lang=\"en-US\" align=\"LEFT\"><span style=\"color: #000000;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\"><b>Where is that strong coffee? It&#8217;s time to wake up from the nightmare!<\/b><\/span><\/span><\/span><\/p>\n<p lang=\"en-US\" align=\"LEFT\"><span style=\"color: #000000;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\"><span style=\"color: #000000;\">FYI, the scenario above is just one of the ways that sort of cataclysmic collapse could transpire. But let&#8217;s stress, <\/span><i>the MH nightmare is avoidable.<\/i><\/span><\/span><\/span><\/p>\n<p lang=\"en-US\" align=\"LEFT\"><span style=\"color: #000000;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\"><a href=\"http:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2014\/12\/rainbow-solar-panels-steve-jurvetson-flickrcreativecommons-posted-masthead-blog-mhpronews-475x329-rev-.png\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft  wp-image-9348\" src=\"http:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2014\/12\/rainbow-solar-panels-steve-jurvetson-flickrcreativecommons-posted-masthead-blog-mhpronews-475x329-rev-.png\" alt=\"rainbow-solar-panels-steve-jurvetson-flickrcreativecommons-posted-masthead-blog-mhpronews-475x329-rev-\" width=\"326\" height=\"204\" srcset=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2014\/12\/rainbow-solar-panels-steve-jurvetson-flickrcreativecommons-posted-masthead-blog-mhpronews-475x329-rev-.png 475w, https:\/\/www.manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2014\/12\/rainbow-solar-panels-steve-jurvetson-flickrcreativecommons-posted-masthead-blog-mhpronews-475x329-rev--150x93.png 150w\" sizes=\"(max-width: 326px) 100vw, 326px\" \/><\/a>The MH Impossible Dream isn&#8217;t impossible at all. <\/span><\/span><\/span><\/p>\n<p lang=\"en-US\" align=\"LEFT\"><span style=\"color: #000000;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">In a trillion dollar a year housing market, with 10,000+ seniors retiring daily, and Millenials still wanting the American Dream, all that we need are common sense steps. <\/span><\/span><\/span><\/p>\n<p lang=\"en-US\" align=\"LEFT\"><span style=\"color: #000000;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">We as business leaders, nonprofits or association execs do them for our benefit, or wait for some strong wind &#8211; the nightmare above or another &#8211; to blow MH&#8217;s low-production-level house down. <\/span><\/span><\/span><\/p>\n<p lang=\"en-US\" align=\"LEFT\"><span style=\"color: #000000;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">Two of the keys for successful growth&#8230;<\/span><\/span><\/span><\/p>\n<ol>\n<li>\n<p lang=\"en-US\" align=\"LEFT\"><span style=\"color: #000000;\"><span style=\"font-family: Helvetica, Arial, sans-serif;\"><span style=\"font-size: medium;\"><span style=\"color: #000000;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">PR\/Image\/Marketing and consumer-friendly sales training that grows the industry. The ROI dwarfs the investment. Doable? See a <\/span><\/span><\/span><a href=\"http:\/\/www.MHProNews.com\/blogs\/daily-business-news\/what-mharrs-danny-ghorbani-and-leigh-abrams-randy-rowe-steve-adler-other-mhi-members-have-in-common\/\" target=\"_blank\"><span style=\"color: #000080;\"><span lang=\"zxx\"><span style=\"color: #0000ff;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">related <\/span><\/span><\/span><\/span><\/span><span style=\"color: #000080;\"><span lang=\"zxx\"><span style=\"color: #0000ff;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\"><i><b>Daily Business News <\/b><\/i><\/span><\/span><\/span><\/span><\/span><span style=\"color: #000080;\"><span lang=\"zxx\"><span style=\"color: #0000ff;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\"> report, linked here<\/span><\/span><\/span><\/span><\/span><\/a><span style=\"color: #0000ff;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">.<\/span><\/span><\/span><\/span><\/span><\/span><\/p>\n<\/li>\n<li>\n<p lang=\"en-US\" align=\"LEFT\"><span style=\"color: #000000;\"><span style=\"font-family: Helvetica, Arial, sans-serif;\"><span style=\"font-size: medium;\"><span style=\"color: #000000;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">Realtors (R) learning to understand and embrace the MH benefits to their clients and to their RE agencies. More on that at <\/span><\/span><\/span><span style=\"color: #000080;\"><span lang=\"zxx\"><span style=\"text-decoration: underline;\"><a href=\"http:\/\/louisvillemanufacturedhousingshow.com\/sessions-added-free-business-building-educational-seminars\/\" target=\"_blank\"><span style=\"color: #228ed7;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">Louisville in 5 short weeks<\/span><\/span><\/span><\/a><\/span><\/span><\/span><span style=\"color: #228ed7;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">!<\/span><\/span><\/span><\/span><\/span><\/span><\/p>\n<\/li>\n<\/ol>\n<p lang=\"en-US\" align=\"LEFT\"><span style=\"color: #000000;\"><span style=\"font-family: Helvetica, Arial, sans-serif;\"><span style=\"font-size: medium;\"><span style=\"color: #000000;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">The MH industry must find the will and wisdom for a Partners in Progress program to be funded and advanced. The rewards?<\/span><\/span><\/span><span style=\"color: #000080;\"><span lang=\"zxx\"><span style=\"text-decoration: underline;\"><a href=\"http:\/\/www.mhmarketingsalesmanagement.com\/blogs\/tonykovach\/?p=9328\" target=\"_blank\"><span style=\"color: #228ed7;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">See part 1, if you missed it or need a refresher<\/span><\/span><\/span><\/a><\/span><\/span><\/span><span style=\"color: #228ed7;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">. <\/span><\/span><\/span><span style=\"color: #000000;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">##<\/span><\/span><\/span><\/span><\/span><\/span><\/p>\n<p lang=\"en-US\" align=\"LEFT\"><span style=\"color: #000000;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">(Image credits: FlickrCreativeCommons, download each file to see photographer&#8217;s names.)<\/span><\/span><\/span><\/p>\n<p lang=\"en-US\" align=\"LEFT\"><span style=\"color: #000000;\"><span style=\"font-family: Helvetica, Arial, sans-serif;\"><span style=\"font-size: medium;\"><span style=\"color: #000000;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\"><a href=\"http:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2014\/09\/la-tony-kovach-latonykovach-com-.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-9028\" src=\"http:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2014\/09\/la-tony-kovach-latonykovach-com-.jpg\" alt=\"la-tony-kovach-latonykovach-com-\" width=\"126\" height=\"127\" \/><\/a>By <\/span><\/span><\/span><span style=\"color: #000080;\"><span lang=\"zxx\"><a href=\"http:\/\/LATonyKovach.com\/\" target=\"_blank\"><span style=\"color: #0000ff;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">L. A. \u201cTony\u201d Kovach<\/span><\/span><\/span><\/a><\/span><\/span><span style=\"color: #000000;\"><span style=\"font-family: Tahoma, sans-serif;\"><span style=\"font-size: small;\">.<\/span><\/span><\/span><\/span><\/span><\/span><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Before continuing part two of &#8211; The MH Impossible Dream? &#8211; let&#8217;s look briefly at a MH nightmare scenario lurking in the shadows&#8230; A Manufactured Housing Industry Nightmare It&#8217;s near the end of the first quarter of 2017. A dark horse Democratic candidate emerged and upset Hillary Clinton, Joe Biden and Elizabeth Warren for their &hellip;<\/p>\n<p class=\"read-more\"> <a class=\"ast-button\" href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/the-mh-nightmare-or-the-mhimpossible-dream-part-ii\/\"> <span class=\"screen-reader-text\">The MH Nightmare or the MHImpossible Dream? Part II<\/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":[3757,2166,3756,209,2203,3758,3754,162,526,3755,2288,3,1994,3759,3760,3761,8],"class_list":["post-9343","post","type-post","status-publish","format-standard","hentry","category-news-analysis","tag-barack-obama-was","tag-cfpb","tag-elizabeth-warren","tag-factory-built","tag-ghorbani","tag-gop","tag-hillary-clinton","tag-hud","tag-hud-code","tag-joe-biden","tag-loans","tag-manufactured-housing","tag-mh","tag-mh-lending-chattel-loans","tag-mh-production","tag-mhc-sales","tag-mhi"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The MH Nightmare or the MHImpossible Dream? Part II - 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\/the-mh-nightmare-or-the-mhimpossible-dream-part-ii\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The MH Nightmare or the MHImpossible Dream? Part II - Masthead L. A. &#039;Tony&#039; Kovach\" \/>\n<meta property=\"og:description\" content=\"Before continuing part two of &#8211; The MH Impossible Dream? &#8211; let&#8217;s look briefly at a MH nightmare scenario lurking in the shadows&#8230; A Manufactured Housing Industry Nightmare It&#8217;s near the end of the first quarter of 2017. 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