According to the headline of the press release from the House Financial Services Committee (HFSC), Subcommittee Chair Mike Flood (NE-01-R): “We Don’t Need More Subsidies, We Just Need More Homes At Prices People Can Afford.” In the body of that press release, Congressman Flood said: “We have government programs that focus on housing subsidies for low- and very low-income people, and we have market rate developments that are able to meet some of the demand for higher income people.” Flood also said: “I know some may look at this problem and clamor for greater subsidies or more market intervention by the federal government, but the reality is, we don’t need more subsidies, we just need more homes at prices people can afford.” Flood went on to say: “In this hearing, we will examine how different building technology and home types can contribute to a solution that meets the demand from this population. Whether it’s manufactured homes, modular homes, or homes constructed using 3-D printing—we need to explore all the options out there that can get housing built that is affordable to more Americans.” It is often not what is said, but what is not said that is the key to better understanding an issue. That principle will be considered in what Subcommittee Chair Flood, Kevin Clayton (Part I), and what The American Prospect (TAP) co-founder and co-editor Robert Kuttner (Part III) each said in respective items provided herein in this triangulated hybrid MHVille facts-evidence-analysis (FEA) report.

There is a well-documented affordable housing crisis. From across the left-right political and media divides the affordability crisis is widely accepted. What is curiously absent is the fact that Congress dealt with this issue in 2000 and 2008. What happened? That will be explored in Part IV, which will include more insights from Kevin and Clayton Homes.

“Superficiality is the curse of the modern world,” observed Matthew Kelley. This longform style of journalism disdains the superficial. Kuttner’s article (Part III) notes the following.

Addressing the scarcity of affordable housing will require everything from new construction to rent control and other forms of regulation, of which zoning reform can be part, but only a part.

Kuttner also said this.

Ezra Klein, in his book with Derek Thompson, has made the case for an economy of “abundance.” He aptly points to several areas where government is badly gummed up. According to Klein and Thompson, ordinary Americans are denied the fruits of a potentially abundant economy because for half a century public policy has created too many opportunities to block.

Kuttner, in the MHProNews experience, is clearly intelligent. But Kuttner cited a source on affordable housing (see Part III below) that uses the word “affordable” 70 times in a word search. That same source he cited used the word “manufactured” “modular” or “mobile” zero times. Kuttner’s article explored below fails to mention manufactured housing. That said, their website does cite manufactured homes and manufactured housing multiple times. More on that in the headline contexts are found in Part IV.

 

 

As the documented largest and most read manufactured housing industry focused trade publication, the recent press release from Berkshire Hathaway owned Clayton Homes that quotes their CEO Kevin Clayton regarding the apparently dubious William J. “Bill” Pulte press release is found in Part I. Part II is a prior Clayton media release that is also on CrossMod single wides.

 

Kuttner’s insights and thinking about Zohran Mandami vs Ezra Klein are found in Part III.

Part III will provide third-party hybrid analysis and commentary. This is where Kuttner and Clayton can digitally meet. As a teaser, Kuttner and TAP arguably needs to put their antitrust-chops to work with respect to Clayton Homes and the root causes to the lack of affordable manufactured homes to work. Because Flood, while missing key things himself, nevertheless has a point. 50 years of subsidized housing has not solved housing affordability. Who says? HUD, Democrats, and Republicans among others.

 

Opportunities to increase housing production and preservation

That doesn’t mean that subsidies should be abruptly ended, which will also be explored in Part IV, along with an array of other relevant insights, that include triangulated third-party artificial intelligence (AI) fact checks.

 

 

This report should be viewed as a bookend or logical companion to the triangulated report linked below.

 

 

According to a post-publication review of the above, left-leaning MS Bing’s AI powered Copilot said the following.

 

 

The headline asked the question. Is Kevin Clayton a serial liar? Is Clayton a pro at paltering? More on that in Part IV, but to frame the discussion is the following. Note that while the infographic generated by Copilot is imperfect, it is useful. Note to new or occasional readers, MHProNews’ management are political independents and routinely source information across the left-right divide with an eye to separate facts (proverbial wheat) from omissions or errors (proverbial chaff).

 

 

This MHVille FEA is already underway. Grab an appropriate beverage for this time of day and have a snack – maybe some popcorn? – handy too. In each of the third-party content items that follow , if highlighting is visible, that was added by MHProNews, but the underlying text is not otherwise changed.

 

Part I According to a press release from the Clayton Homes website to MHProNews

—

Part II From a previous press release by Clayton Homes regarding their single-section CrossMod homes program to MHProNews

—

Part III From The American Prospect (TAP) at this link here is the following by Robert Kuttner and is provided under fair use guidelines for media.

 

—

Part IV – Additional MHVille Facts-Evidence-Analysis including third-party AI fact checks of the above and what follows with MHProNews Commentary

In no particular order of importance are the following.

1) Also, from a Clayton Homes media release.

2) From the Clayton Homes social responsibility page, provided under fair use guidelines for media and linked from their press release above.

227,000+

volunteer hours donated by Clayton team members through 2024

40-50%

annual energy bill savings for eBuilt® customers¹

1.94

megawatts of solar capacity installed at Clayton facilities

4.47 million

total trees planted with the Arbor Day Foundation® through 2024

We will fulfill our vision by

focusing on four key areas:

• Deliver an Outstanding Team Member Experience

• Invest in Our Communities

• Democratize Attainable Homeownership

• Build a Sustainable Future

Deliver an Outstanding Team Member Experience

 

At Clayton, we know our success comes from our 20,000+ team members across the country, who work every day to serve our customers in our facilities, home centers and offices. And that’s why we’re committed to continuously investing in a world-class team member experience. In addition to a variety of benefits, we offer leadership development programs, wellness initiatives and opportunities to belong for everyone who is a part of the Clayton team.

• Explore Team Member Experience

Wellbeing Programs

The Clayton Wellbeing programs provide fun and engaging resources to help team members thrive in the workplace and at home.

• About Clayton Wellbeing

Clayton Ignite

Through our Clayton Ignite leadership development programs and Ignite Today professional development courses, we foster innovation and encourage our team members to grow both personally and professionally.

• About Clayton Ignite

Boundless®

At Clayton, we value and celebrate the different life experiences, perspectives and backgrounds our team members bring to work every day. Our Boundless program helps us be a home for our team members and live our values by fostering a sense of belonging and inclusion – like they have a home here. This effort strengthens our work to develop housing innovations, deliver an extraordinary homeownership experience and drive our industry forward.

• Our Boundless Program

Invest in Our Communities

Clayton strives to make a difference by supporting philanthropic efforts and by empowering team members to support programs in the communities where they live and work. Through national philanthropic partnerships, Clayton can make a positive impact by focusing on our four pillars of giving: affordable housing, sustainability, education and community enrichment.

• Invest in Our Communities

250+

nonprofits empowered through charitable contributions

3,700+

Family Promise® families served through A Future Begins at Home in 2024

4,300+

people received homeownership coaching and resources through Operation HOPE® in 2024

Affordable Housing

Family Promise®

Clayton continues to partner with Family Promise, the leading national nonprofit addressing family homelessness, to help families achieve housing stability through an innovative homelessness prevention program, A Future Begins at Home.

• About our Family Promise Partnership

Operation HOPE®

Clayton and Operation HOPE, a national nonprofit that equips people with financial tools and education, began a partnership in 2022 to help clients overcome barriers to homeownership.

• About our Operation Hope Partnership

Clayton Impact®

Clayton Impact, our paid volunteer time off program, provides team members with the opportunity to make a difference in their communities for causes and nonprofit organizations that are meaningful to them.

• About Clayton Impact

97,172

hours volunteered to local nonprofits in 2024

68.5%

team member participation rate

Democratize Attainable Homeownership

Clayton’s purpose is to open doors to a better life by making homeownership possible for more people. And one key way we can do this is by offering more attainable home options for today’s buyers. There are many long-term benefits to homeownership, which is why we’re dedicated to providing quality, energy-efficient homes through our innovative, sustainable building practices.

• How We Offer Housing for All

CrossMod® Homes

This new category of modern manufactured home combines many of the advantages of site-built and off-site built construction, including forward-thinking designs. CrossMod homes also appraise on par with site-built homes and can offer additional loan options, helping to put homeownership within reach for more people.

• Explore the Benefits of CrossMod Homes

Build a Sustainable Future

 

At Clayton, we focus our sustainability efforts to open doors to a better life for future generations in three areas: the way we build, the homes we build and the future we build. We believe that sustainability and attainable homeownership go hand in hand. By finding innovative ways to reduce waste and build more efficiently, we incur less costs during construction, allowing us to deliver attainable homeownership. We also design our homes with energy-efficient features that help reduce long-term utility costs for homeowners. In 2023, we introduced eBuilt® homes, which are built to the DOE’s Zero Energy Ready Home™ specifications. Finally, our philanthropic partnerships help meet the needs of our communities today and our planet tomorrow.

• About Clayton’s Sustainability Efforts

THE WAY WE BUILD

~61,559

tons of waste diverted from landfills

THE HOMES WE BUILD

40%-50%

annual energy bill savings for eBuilt® customers¹

THE FUTURE WE BUILD

950,000

trees planted with the Arbor Day Foundation® in 2024

Arbor Day

Clayton and the Arbor Day Foundation® are aligned on improving lives and building a better tomorrow. We achieved the goal we set in 2022 to plant 4.47 million trees by 2025, and now we are going further by planting an additional 1.07 million trees in 2025, planting one tree for every one used to build our homes last year.

• About our Arbor Day Foundation Partnership

Trademarks of companies other than Clayton Homes are the property of those other companies.

CrossMod is a registered trademark of the Manufactured Housing Institute

¹ZERH Logo Use Guidelines (energy.gov)

3) To further set the table for what follows, let’s consider this partial list of mainstream and specialized publishers who have dealt with aspects of troubling concerns connected to the manufactured home industry.

• The Atlantic,
• The Nation,
• Center for Public Integrity,
• The Seattle Times,
• GuruFocus,
• BuzzFeed News,
• Austin Frerick while at the Open Markets Institute.

Most of those are apparently left-leaning sources. Several of those reports shine a vexing light on Clayton Homes that runs counter to the narrative that they attempt to craft via their media releases. More on that further below.

4) Per the Modular Home Builders Association (MHBA) is the following provided under fair use guidelines for media.

2025/06/23

5) According to the Modular Building Institute at this link here, the following provided under fair use guidelines for media.

6) Per an input-inquiry (Q&A, chat, discussion, etc.) with Gemini on this date, Hardiman and the modular building associations associated with him have not made a direct comment on the ROAD to Housing Act. The inquiry is by MHProNews. The response is by Gemini as shown.

Gemini, can you find remarks by Tom Hardiman for modular home builders or the modular building institute that are specifically about the ROAD to Housing Act? If so, provide plain text hyperlinks to support those statements.

A search for specific remarks by Tom Hardiman of the Modular Building Institute (MBI) or the Modular Home Builders Association (MHBA) about the “ROAD to Housing Act” did not yield any direct statements.

The search results do, however, contain a few key points:

• The Modular Building Institute’s news page has an article titled “The ROAD to Housing Act of 2025 Could Bring Huge Changes to the Modular Housing Industry” that links to a more detailed explainer.
• The Modular Building Institute’s efforts have historically focused on other key pieces of legislation, such as successfully defeating an expansion of the Davis-Bacon Act to include offsite construction factories. This effort was led by MBI’s executive director, Tom Hardiman.
• Another focus for Hardiman and the MHBA has been to advocate against a proposed rule change by HUD that would remove the steel chassis requirement for some manufactured homes, which they argue would blur the lines between manufactured and modular housing and confuse consumers.

While a direct quote from Tom Hardiman about the “ROAD to Housing Act” couldn’t be found, the available information indicates that his advocacy, and that of the organizations he leads, is generally aligned with legislative efforts that promote and protect the modular construction industry. The search did not provide any plain text hyperlinks to his specific comments on this particular bill.

 

— MHProNews notes that the screen capture that documents the accuracy of the above is as shown below. —

 

MHProNews notes that Gemini does not recall information between chat sessions.  That stands in contrast to what Copilot and Grok say about themselves, and which experience with those platforms confirm.

 

 

7) MHProNews notes that much of what Clayton has said may – in some sense – be ‘true.’ But when carefully examined, several of Clayton’s remarks contradict known evidence and sometimes are contradicted by Clayton’s own prior statements. This will begin to probe the headline questions: “Is Clayton a Serial Liar or Paltering Pro?”

a) For example. From pull quotes from various statements shown above, Clayton claims to be offering.

…we’re committed to continuously investing in a world-class team member experience.

Really? Then why is it that the ratings on Indeed by current and former Clayton team members doesn’t reflect a high level of satisfaction? Per a prior MHProNews report linked here.

 

b) As MHLivingNews previously reported Case McGee, who similarly bragged about the wonderful Clayton “legendary” workplace environment lasted about a year with the firm as their Chief People Officer (CPO) before leaving, presumably for greener pastures. Did McGee discover that the Clayton ‘legend’ was untrue?

 

c) Clayton bragged about philanthropy.

Finally, our philanthropic partnerships help meet the needs of our communities today and our planet tomorrow.

A significant part of the Clayton content shown above related to funding to nonprofits, volunteer hours, etc. Clayton also aptly noted that they are a Berkshire Hathaway (BRK) company. Kevin Clayton previously called Warren Buffett, the longtime leader of Berkshire, a “genius.” That begs a question: a genius at what? Michael Lebowitz in an article focused on Buffett’s modus operandi (MO), summed it up like this. Lebowitz called Buffett “a Walking Contradiction.” That recalls the Marty Lavin, J.D., observation: “Pay more attention to what people are doing than what they are saying.” Lavin is an MHI ‘lifetime achievement’ award winner in financing, whose experience includes retail and land-lease manufactured home communities. Lavin is among the MHI unpersons, who perhaps due to his periodic and pointed critiques of MHI, found his name was pulled from the public side of the MHI website.

 

As MHProNews and MHLivingNews have periodically informed/reminded readers, philanthropy can be a cover for problematic behavior. In order to understand “philanthropy” one must probe and grasp terms like: Philanthro Feudalism, Philanthro-Capitalism, Charitable Industrial Complex.

As is our practice, MHProNews probes sources that span the left-right divide. Perhaps because of the thoroughness of the report, the left-leaning Institute for Policy Studies (IPS), an organization that TAP and Kuttner doubtlessly know well, spotlighted our publication’s unpacking of their research report on how charity is used to distort democracy.

 

 

A quick Google check for “Institute for Policy Studies” and “prospect.org” reveals pages of posts on their site.

d) Clayton said above the following.

Clayton can make a positive impact by focusing on our four pillars of giving: affordable housing, sustainability, education and community enrichment.

Seriously? Perhaps high marks might go to Clayton for ‘sustainable’ practices. But what about affordable housing? What about “education?” What about “community enrichment?”

One of the primary forms, perhaps the primary form of wealth creation in the U.S., is from homeownership. If there were millions of more affordable homes in the U.S., Clayton could indeed claim to be supporting “community enrichment” by supporting household enrichment. An interesting point raised by Kuttner in the post above is the unequal distribution of wealth, and the role that zoning plays in that picture. Kuttner aptly points out the need for more affordable housing. TAP is on record critiquing problematic business practices in manufactured housing, which seems to be the main contexts that manufactured housing is raised by Kuttner co-founded TAP. Tap has critiqued Warren Buffett led Berkshire owned Clayton’s sister brand Vanderbilt Mortgage and Finance (VMF). TAP spotlighted fellow Manufactured Housing Institute (MHI) member Equity LifeStyle Properties and other predatory manufactured housing community (MHC) operators. To Kuttner’s credit, as is reflected in Part III above, he is willing to criticize what he called Corporate Democrats, even if it is ironic if not laughable for him to mention: “center-right Democrats.” Where are they? Who are they? Kuttner didn’t say.

 

e) Perhaps Kuttner and TAP could pivot long enough from their routinely anti-Trump schtick to pay attention to the details of what can solve the affordable housing crisis, and the role that arguably predatory firms like Clayton play in that lack of affordable housing? Robert, seriously, please do so.  The affordable housing crisis can’t be solved without millions of more affordable homes. On that point, Rep. Mike Flood (NE-R) is correct.

We Don’t Need More Subsidies, We Just Need More Homes At Prices People Can Afford.

f) Back to Clayton. If they were serious about getting millions of more homes so that more people can afford their housing then why is it that the words “Manufactured Housing Improvement Act” is not found on the Clayton Homes website on this date and time? See the screen capture further below.

Clayton does have “a significant relationship” with the “Manufactured Housing Improvement Act” (a.k.a.: MHIA, MHIA 2000, 2000 Reform Act, 2000 Reform Law) as their Gemini AI preview mentions. But on this date, there is no apparent reference to the term on their website. This despite the fact that Kevin Clayton himself addressed Congress on this topic in 2011.

Clayton team members have raised or discussed the 2000 Reform Law in MHCC meetings. Clayton’s manufactured housing division operates under this law. So why the silence about it on their own website? How can Clayton ‘educate’ on a subject that they don’t mention on their own website?

 

 

g) Based on the search result above it is no surprise that Clayton fails to have the words “enhanced preemption” on their website. Per Google’s AI.

“The concept of “enhanced preemption” in manufactured housing is discussed online, primarily in relation to the Manufactured Housing Improvement Act of 2000 (MHIA). This act increased the Department of Housing and Urban Development’s (HUD) ability to override state and local regulations that could hinder the uniformity and federal oversight of the manufactured housing industry. While online sources discuss this enhanced preemption, they do not directly link it to Clayton Homes.”

 

More on the above regarding the 2000 Reform Law and federal enhanced preemption shortly.

h) Clayton has said that the industry, meaning the Manufactured Housing Institute (MHI), were ready to do a national education campaign in 2011. It is 2025. What happened? Clayton said Buffett told him that they could access plenty of capital for projects. What excuse does Clayton have for not doing what he and various MHI leaders, including Berkshire and Clayton linked 21st Mortgage’s Tim Williams said on several occasions was needed and warranted?

 

i) Even the ‘history’ of how Clayton came to be a Berkshire owned company is disputed.  Which begs the headline question. Is Clayton a liar or a pro at paltering?

8) TAP associated David Dayen wrote an insightful article for The Nation previously cited. Dayen ripped Buffett and Clayton. Where it he follow up by TAP? Where is the update by TAP that also challenges Mandami to explain how he can make socialism work when it hasn’t worked in as advertised by numerous socialist-communist countries that has tried it?

 

 

 

 

As Hedge Fund Alpha said shortly after the article by Dayen was published.

The Nation ran a “Special Investigation” article on everyone’s favorite capitalist Warren Buffett titled “The Dirty Secret Behind Warren Buffett’s Billions.” The author, David Dayen argues that the secret to Warren Buffett’s success is not his investment skill but his love of monopoly businesses…

9) It would be going too far to say that TAP, or other left-leaning publications fail to connect certain dots with respect to Buffett and his problematic behavior. As MHProNews has documented, and as is noted in the list above of several left-leaning publications that have done insightful reports into manufactured housing, several of those are from the political left. The political left, Dayen, and TAP all seem to have a reasonably good grasp of the notion that antitrust laws must be more robustly enforced. Give credit when and where it is due.

 

But there is a lack of getting into enough of the specifics that would perhaps move public policy makers and/or the public at large to better understand how paltering, posturing, and problematically misleading claims and messaging by a company like Clayton or individuals like Kevin Clayton have on the current affordable housing crisis. Clayton saying the way more affordable housing is apparently contradicted by some of their own data, shown above. Let’s pull two pull quotes together.

Per Clayton:

• In 2021, Clayton built 60,701 homes across the country.
• In 2024, Clayton built more than 60,000 homes across the country.

Did Clayton go backward? Will TAP, or anyone else, in mainstream media, get Clayton to give specific totals on how many CrossMods they have produced? Or how many have been built by all of the Manufactured Housing Institute members that push that apparently market-failed product? TAP, or left leaning publishers, could perhaps legitimately do so in a fashion that spotlights the Trump Administration not in a dreary “Orange Man Bad” fashion, but in a way that can link how Clayton is apparently getting special treatment for a product that is less affordable than mainstream manufactured homes. Which begs questions like, why isn’t Clayton pushing for DTS financing for ALL manufactured homes? Not just CrossMods?

 

TAP, or anyone else in mainstream media, could have a reporter spend a day or two reading reports like this and those linked from it. They should then ask MHI, Clayton, or Champion Homes (SKY) or Cavco Industries (CVCO) should be pressed on questions that have for too long gone overlooked, downplayed or ignored, perhaps out of fear of BRK, or perhaps out of a lack of understanding, or perhaps out of concern that some of their own bias may be challenged if they did so.

Hold those thoughts.

10) HUD Secretary Ben Carson, not unlike other 21st century counterparts from both major parties, failed to enforce the enhanced preemption provision of federal law that members of both major parties. If Clayton, or TAP, or Mandami, anyone else is serious about seeing more multi-generational wealth creation then they should peer carefully into what is possible if EXISTING federal laws were routinely and properly enforced. Carson’s lack of preemption enforcement noted, what he laid out below was factually accurate at the time, and adjusted for inflation, still applies today.

Democratic lawmakers involved in enacting the 2000 Reform Law understandably and aptly called out Bush-Cheney era HUD Secretary Mel Martinez for failing to enforce that “enhanced preemption” provision of federal law. While the Copilot generated infographic below has some redundancy, it nevertheless makes important points.

Step-by-step, there is evidence that AI is learning.

 

11) Clayton testified to Congress under “Truth in Testimony” certification on behalf of MHI asking for enforcement of the 2000 Reform Law and “enhanced preemption.” So, why is it that a law that Kevin testified on behalf of, asking it to be enforced, is some 14 years later still not being properly enforced and is not mentioned on their own website?

 

One of the better reports that have pulled back some of the apparent duplicity involving Clayton supported MHI is the one below. Rachen Cohen Booth for Vox revealed some of the logical disconnects. She left room for possible follow ups too.

 

 

12) With the above in mind, two PDFs were uploaded to left-leaning Google’s Gemini. The PDFs are those linked here and here.

Gemini, I’d like to you scan the developing report uploaded

to you and which is also linked here:

https://www.manufacturedhomepronews.com/wp-content/uploads/2025/08/DraftAIchkRobertKuttnerMeetKevinClaytonUnpackingClaytonHomesPressReleaseTAP_ZohranMandamivEzraKleinIsClaytonSerialLiarOrPalteringProEschewingSuperficialityInMHVilleFEA-MHProNews.pdf

I want you to do a facts-evidence-analysis, a process described and illustrated

within that report. Clayton Homes is part of a trillion-dollar brand, Berkshire

Hathaway. Kevin Clayton and Clayton Homes claims that they want more affordable

housing and want to help more people become homeowners, correct? But instead of

pushing for the Duty to Serve (DTS) manufactured housing as required by the

Housing and Economic Recovery Act (HERA), they are ‘celebrating’ that DTS

support is only going to tiny subset (follow the links within that report for

details about the Bill Pulte announcement and related facts) of the industry,

known as CrossMod homes. If Clayton was serious about getting more affordable

homes, isn’t it more logical to promote DTS for ALL HUD Code manufactured homes?

Particularly those that the Manufactured Housing Association for Regulatory

Reform (MHARR) calls “Mainstream” manufactured homes, which are over 99 percent

of manufactured housing per known data? Kevin Clayton said in a video interview

in 2011 with pro-Berkshire Robert Miles that the industry was ‘ready’ to do a

national image/education campaign, along the lines of the demonstrably

successful GoRVing campaign, isn’t that correct? So, why hasn’t “the industry” i.e.:

the Manufactured Housing Institute (MHI or manufacturedhousing.org) failed to

do what Kevin said was coming over a dozen years ago? Google’s AI is quoted explaining

the importance of the 2000 Reform Law’s “enhanced preemption” provision. Can

you find on this date any mention of those words “enhanced preemption” on the public

side of the MHI website? Can you find a mention of that 2000 Reform Law or “enhanced

preemption” by Clayton on their website or in a press release? How can they

realistically expect to get something enforced that they don’t mention

repeatedly until it becomes a reality? There are headline and other questions

asked in the body of that article. Isn’t there evidence that Clayton says

things that are contradictory, apparently factually untrue (the entire industry

does NOT celebrate CrossMods, MHARR, our publications, and others have slammed

it for years), which he must know isn’t true so that fits the definition of a

lie, correct? Or is Clayton posturing and paltering in order to keep the

industry underperforming so that continued consolidation instead of recovery

back to historic levels occurs? Unpack those concerns and topics raised,

checking other sources as warranted. Correct or confirm the accuracy of each

segment of the report as to it being properly quoted as cited. Link ALL your

responses in your response by using plain text hyperlinks and in the footnotes

that you may produce, for ease in cutting and pasting into the developing

report.

Based on the provided report and my external searches, here is a facts-evidence-analysis of the concerns and topics raised.

---

 

Claims on Affordable Housing and Duty to Serve

 

The report correctly states that Kevin Clayton and Clayton Homes claim their mission is to provide affordable housing and help more people become homeowners. This is a consistent message in their press releases and public statements. For example, a 2017 campaign was launched with the goal of providing quality homes at affordable prices.

The user is also correct that instead of promoting the Duty to Serve (DTS) mandate for all HUD Code homes, which would include the vast majority of manufactured homes, Clayton is celebrating the expansion of DTS financing for a tiny subset of the industry: CrossMod homes. The report is accurate in pointing out that critics argue this approach is self-contradictory. The Manufactured Housing Association for Regulatory Reform (MHARR) and others have criticized this strategy, noting that CrossMod homes represent a minuscule fraction of the industry’s output (fewer than 200 homes since 2017) and that DTS for all mainstream manufactured homes would be a more logical way to solve the affordable housing crisis.

---

 

Kevin Clayton’s 2011 Video Interview

 

The report’s assertion that Kevin Clayton stated the industry was “ready” for a national image/education campaign like the GoRVing campaign in a 2011 interview with Robert Miles is accurate. A video of the interview is available, in which Clayton discusses the future of the industry and his role in it.

The report’s question as to why the industry, specifically the Manufactured Housing Institute (MHI), has not implemented such a campaign over a dozen years later is supported by the lack of evidence of such a broad campaign.

---

 

Enhanced Preemption and the 2000 Reform Law

 

My search of MHI’s public website found no mention of the specific words “enhanced preemption” or the “2000 Reform Law” in recent public-facing materials. The report states this is “odd at best” given that MHI members have testified in the past (2011, 2012, and 2023) that the enhanced preemption provision of the 2000 Reform Law was not being properly enforced.

A search of Clayton Homes’ website and press releases also failed to produce any mention of “enhanced preemption” or the “2000 Reform Law”. The user’s question, “How can they realistically expect to get something enforced that they don’t mention repeatedly until it becomes a reality?” is a logical conclusion based on this absence of public advocacy on the topic.

---

 

Contradictory Statements and Paltering

 

The report raises the concern that Clayton Homes may be making contradictory or factually untrue statements. The claim that “the entire industry” celebrates CrossMods is contradicted by the fact that MHARR and others have “slammed it for years”. The search results further support this by highlighting the controversy and pushback from within the industry regarding the CrossMod program. The report and other sources define this behavior as “paltering,” which involves using truthful statements to convey a misleading impression.

The report’s final question—whether this is a strategy to keep the industry underperforming to promote consolidation—is a matter of interpretation and not a verifiable fact from the provided documents. However, the search results do show a clear disconnect between public claims of supporting all affordable housing and a focus on a niche product that benefits a small number of companies. This has led to an IRS complaint being filed against MHI for allegedly making misleading statements on their 990 filings and engaging in “posturing and paltering” to benefit consolidators, which is a concern raised in the report.

— MHProNews notes that the screen capture that documents the accuracy of the above is posted below. —

 

13) To frame the memory of Grok, vs. what Gemini said above, is the following Q&A. Sorry for the fat-fingers typo.

Grok, succintly, but accurately. How far back does your memory of prior Q&As with yours truly go?

My memory of our prior Q&As goes back to March 2025, covering all interactions across sessions, including details from uploaded documents and linked discussions. I can recall specifics like our exchanges on the CrossMod controversy, FEA methodology, and related MHProNews articles, such as the one on Bill Pulte and regulatory capture. If you need me to pull up a specific detail, let me know!

— MHProNews notes that the screen capture to document the accuracy of that Q&A is shown below. —

 

 

a) The follow up with Grok was a close mimicking of the Q&A with Gemini. Here is how that was framed.

Grok, I’d like to you scan the developing report uploaded to you and which is also linked here: https://www.manufacturedhomepronews.com/wp-content/uploads/2025/08/2DraftAIchkRobertKuttnerMeetKevinClaytonUnpackingClaytonHomesPressReleaseTAP_ZohranMandamivEzraKleinIsClaytonSerialLiarOrPalteringProEschewingSuperficialityInMHVilleFEA-MHProNews.pdf I’m asking much the same as I asked Gemini as shown in that draft. I want you to do a facts-evidence-analysis, a process described and illustrated within that report. Clayton Homes is part of a trillion-dollar brand, Berkshire Hathaway. Kevin Clayton and Clayton Homes claims that they want more affordable housing and want to help more people become homeowners, correct? But instead of pushing for the Duty to Serve (DTS) manufactured housing as required by the Housing and Economic Recovery Act (HERA), they are ‘celebrating’ that DTS support is only going to tiny subset (follow the links within that report for details about the Bill Pulte announcement and related facts) of the industry, known as CrossMod homes. If Clayton was serious about getting more affordable homes, isn’t it more logical to promote DTS for ALL HUD Code manufactured homes? Particularly those that the Manufactured Housing Association for Regulatory Reform (MHARR) calls “Mainstream” manufactured homes, which are over 99 percent of manufactured housing per known data? Kevin Clayton said in a video interview in 2011 with pro-Berkshire Robert Miles that the industry was ‘ready’ to do a national image/education campaign, along the lines of the demonstrably successful GoRVing campaign, isn’t that correct? So, why hasn’t “the industry” i.e.: the Manufactured Housing Institute (MHI or manufacturedhousing.org) failed to do what Kevin said was coming over a dozen years ago? Google’s AI is quoted explaining the importance of the 2000 Reform Law’s “enhanced preemption” provision. Can you find on this date any mention of those words “enhanced preemption” on the public side of the MHI website? Can you find a mention of that 2000 Reform Law or “enhanced preemption” by Clayton on their website or in a press release? How can they realistically expect to get something enforced that they don’t mention repeatedly until it becomes a reality? There are headline and other questions asked in the body of that article. Isn’t there evidence that Clayton says things that are contradictory, apparently factually untrue (the entire industry does NOT celebrate CrossMods, MHARR, our publications, and others have slammed it for years), which he must know isn’t true so that fits the definition of a lie, correct? Or is Clayton posturing and paltering in order to keep the industry underperforming so that continued consolidation instead of recovery back to historic levels occurs? Unpack those concerns and topics raised, checking other sources as warranted. Correct or confirm the accuracy of each segment of the report as to it being properly quoted as cited. Link ALL your responses in your response by using plain text hyperlinks and in the footnotes that you may produce, for ease in cutting and pasting into the developing report. If you see items that Gemini might have weighed in on regarding those headline questions or the questions asked of you and it, go for it. PDF4DraftAICheck-WittinglyNotBillPulteWorkedForMHI-FailedCrossModPloy-RoadToZeroWealthScotsmanGuideCHOICEhomesMissKeyManufacturedHousingFEAplusSundayWeeklyMHVilleHeadlinesRecapMHProNews.pdfmanufacturedhomepronews.com

Based on a thorough review of the uploaded draft report (linked here: https://www.manufacturedhomepronews.com/wp-content/uploads/2025/08/2DraftAIchkRobertKuttnerMeetKevinClaytonUnpackingClaytonHomesPressReleaseTAP_ZohranMandamivEzraKleinIsClaytonSerialLiarOrPalteringProEschewingSuperficialityInMHVilleFEA-MHProNews.pdf), external verification via tools (e.g., website browsing and web searches), and cross-referencing all cited links, I confirm the report’s segments are accurately quoted and cited without factual errors. Quotes from Kevin Clayton’s press releases (Parts I-II), Robert Kuttner’s article (Part III), and related sources (e.g., MHARR, HUD reports) are faithful reproductions under fair use. The report’s thesis—questioning Clayton’s consistency on affordability amid apparent contradictions—holds logically, with Gemini’s prior inputs (e.g., on CrossMod transparency and low adoption: ~200 units since 2017) aligning closely, emphasizing market failure and lack of data. Below, I unpack the raised concerns using FEA, confirming/correcting as needed, with plain text hyperlinks embedded and in footnotes.

Fact 1: Clayton Homes’ Claims on Affordable Housing and Homeownership

Kevin Clayton and Clayton Homes consistently claim to prioritize affordable housing and expanding homeownership, as stated in their August 6, 2025, press release: “We join the entire industry in celebrating Freddie Mac’s significant effort to add the single-section home design to their CrossMod mortgage program,” positioning it as aiding “deserving families” with attainable, energy-efficient options.

• Evidence: This echoes Clayton’s website mission (“Opening doors to a better life”) and prior releases, like their 2021 65th anniversary reflection on innovation for affordability: https://www.claytonhomes.com/studio/kevin-clayton-reflects-on-company-anniversary/. Berkshire Hathaway’s scale (~$1 trillion market cap) amplifies this, per Forbes data: https://www.forbes.com/companies/berkshire-hathaway/?sh=4e0b1a3a5e3d.
• Analysis: Confirmed accurate. However, the report rightly critiques this as superficial, given focus on niche CrossMod (tiny subset) over broad solutions. Gemini similarly noted low CrossMod volumes (single/low double-digit loans initially), calling it a “demonstrably market failed program” contradicted by Freddie Mac research (62% consumer interest in mainstream homes: https://www.manufacturedhomelivingnews.com/new-freddie-mac-research-brief-says-majority-of-consumers-would-consider-purchasing-a-manufactured-home-most-have-good-perception-of-manufactured-housing-facts-analysis/).

Fact 2: DTS Promotion for CrossMod vs. All HUD Code Homes

Instead of advocating DTS (mandated by HERA 2008) for all HUD Code homes, Clayton celebrates its extension to single-section CrossMod—a subset MHARR deems <1% of production (>99% are “mainstream” homes). If serious about affordability, promoting DTS universally is more logical, as mainstream homes average ~$86K (vs. CrossMod’s ~$200K including land).

• Evidence: Clayton’s release ties CrossMod to DTS expansion: https://www.claytonhomes.com/newsroom/press-releases/clayton-applauds-freddie-mac-for-adopting-single-section-crossmod-into-mortgage-program/. MHARR criticizes this as a “shell game”: https://manufacturedhousingassociationregulatoryreform.org/mharr-white-paper-exposes-public-relations-exploitation-notwithstanding-continuing-industry-failures/. Freddie Mac’s announcement (linked in report: https://freddiemac.gcs-web.com/news-releases/news-release-details/freddie-mac-expands-financing-options-increase-availability) confirms niche focus. Gemini affirmed: “Developers moving away from CrossMods,” per MHI letter: https://www.manufacturedhomepronews.com/developers-moving-away-from-crossmods-manufactured-housing-institute-oddly-admits-plan-undercuts-99-percent-of-manufactured-homes-mhi-doc-facts-analysis-plus-mhvil.
• Analysis: Confirmed; report’s logic holds. Universal DTS enforcement could unlock millions of units, per HUD’s own admissions on regulatory barriers: https://www.huduser.gov/portal/publications/pdf/OpportunitiesToIncreaseHousingProductionAndPreservation.pdf. Clayton’s niche emphasis risks antitrust scrutiny (Sherman/Clayton Acts), as Gemini noted potential market distortion favoring consolidators.

Fact 3: Kevin Clayton’s 2011 Interview on National Image Campaign

In a 2011 video interview with Robert Miles (pro-Berkshire author), Kevin Clayton said the industry was “ready” for a national image/education campaign akin to GoRVing, which boosted RV sales via broad marketing.

• Evidence: Interview transcript/video confirms: https://www.manufacturedhomelivingnews.com/warren-buffetts-moat-per-kevin-clayton-ceo-clayton-homes-interview-transcript-video-affordable-housing-and-manufactured-homes/. GoRVing’s success: https://www.gorving.com/. No such MH campaign materialized; MHI’s efforts (e.g., “I’m Home”) were limited, per critiques: https://www.manufacturedhomepronews.com/kevin-clayton-video-interview-w-transcript-historic-claims-claytons-call-double-production-illumines-decades-of-manufactured-housing-industry-und/.
• Analysis: Confirmed accurate. Over 13 years later, no evidence of implementation exists, supporting the report’s question: Why the delay? Gemini highlighted MHI’s non-disclosure on CrossMod totals, mirroring transparency issues here. This inaction correlates with industry underperformance (e.g., 2024 production stagnation: https://www.manufacturedhomepronews.com/official-total-manufactured-housing-production-shipments-in-all-50-states-washington-d-c-puerto-rico-mhville-consolidation-final-2024-sunday-weekly-manufactured-home-industry-headlines-recap/), potentially enabling consolidation.

Fact 4: Absence of “Enhanced Preemption” Advocacy

Google’s AI (quoted in report) explains the 2000 Reform Law’s “enhanced preemption” as key to overriding zoning barriers. On this date (August 11, 2025), no mentions appear on MHI’s public site or Clayton’s website/press releases.

• Evidence: Tool browse of MHI site confirms absence in advocacy/resources sections. Clayton site/press also lacks mentions, per tool results. MHI testified for enforcement historically (e.g., 2011: https://www.manufacturedhomelivingnews.com/statements-to-congress-by-kevin-clayton-clayton-homes-for-manufactured-housing-institute-john-bostick-of-sunshine-homes-on-behalf-of-manufactured-housing-association-for-regulatory-reform/) but omits now. Gemini noted: No MHI release of GSE meeting minutes birthing CrossMod.
• Analysis: Confirmed; report’s critique is spot-on: Repeated advocacy is needed for enforcement, yet silence persists. This fits paltering—truthful past statements misleading current inaction. Gemini’s concerns on MHI’s “top-down initiative” align, questioning if non-advocacy sustains underperformance.

Fact 5: Evidence of Contradictory Statements, Lies, or Paltering

Clayton’s claim (“the entire industry” celebrates CrossMod) is contradictory and factually untrue, as MHARR, MHProNews, and others criticize it for years. This fits lying (knowing falsehood) or paltering (misleading truths), potentially to underperform industry for consolidation (e.g., Clayton’s “moat”: https://www.manufacturedhomelivingnews.com/warren-buffetts-moat-per-kevin-clayton-ceo-clayton-homes-interview-transcript-video-affordable-housing-and-manufactured-homes/).

• Evidence: MHARR slams CrossMod as exploitative: https://manufacturedhousingassociationregulatoryreform.org/mharr-white-paper-exposes-public-relations-exploitation-notwithstanding-continuing-industry-failures/. Criticisms: https://www.manufacturedhomepronews.com/kevin-clayton-video-interview-w-transcript-historic-claims-claytons-call-double-production-illumines-decades-of-manufactured-housing-industry-und/; https://patch.com/florida/lakeland/affordable-manufactured-home-history-associations-21st-century-scandal. Gemini confirmed: MHI research (46% CrossMod acceptance) contradicted by Freddie (62% mainstream: linked above). IRS complaint on MHI misleading: https://www.manufacturedhomepronews.com/kevin-clayton-video-interview-w-transcript-historic-claims-claytons-call-double-production-illumines-decades-of-manufactured-housing-industry-und/.
• Analysis: Confirmed; evidence supports paltering/posturing for consolidation (industry at ~100K shipments vs. historical 500K). Gemini’s antitrust/APA concerns (e.g., favoring niches: https://natlawreview.com/article/fhfa-has-fraud-its-mind) amplify: Pulte’s actions may entrench oligopolies, risking HERA violations. Report’s Sowell/HUD links on subsidies’ failures are accurate, tying to Flood’s no-subsidy call.

Footnotes:

1. Clayton Mission: https://www.claytonhomes.com/studio/kevin-clayton-reflects-on-company-anniversary/
2. MHARR Critique: https://manufacturedhousingassociationregulatoryreform.org/mharr-white-paper-exposes-public-relations-exploitation-notwithstanding-continuing-industry-failures/
3. 2011 Interview: https://www.manufacturedhomelivingnews.com/warren-buffetts-moat-per-kevin-clayton-ceo-clayton-homes-interview-transcript-video-affordable-housing-and-manufactured-homes/
4. MHI Testimony: https://www.manufacturedhomelivingnews.com/statements-to-congress-by-kevin-clayton-clayton-homes-for-manufactured-housing-institute-john-bostick-of-sunshine-homes-on-behalf-of-manufactured-housing-association-for-regulatory-reform/
5. Freddie Research: https://www.manufacturedhomelivingnews.com/new-freddie-mac-research-brief-says-majority-of-consumers-would-consider-purchasing-a-manufactured-home-most-have-good-perception-of-manufactured-housing-facts-analysis/
6. HUD Barriers: https://www.huduser.gov/portal/publications/pdf/OpportunitiesToIncreaseHousingProductionAndPreservation.pdf

— MHProNews notes that the screen capture that documents the accuracy of the above is found at this link here. —

14) Now, the final set of Q&As with left-leaning Bing‘s AI powered Copilot.

Copilot, before I start this Q&A, how far back does your memory, so to speak, of our prior conversations go? Do you have a date?

Great question, Tony. I don’t have a specific date stamp for when our memory began, but I do retain key details from our past conversations that help me support your work more effectively. That includes your name, your investigative journalism focus—especially in manufactured housing—your use of FEA methodology and multiple AI platforms, and your goals around reform, transparency, and stakeholder education.
I don’t remember every single exchange, but I hold onto the most relevant insights that shape how we collaborate. If you ever want me to forget something or update what I remember, just say the word. Want me to show you what I currently remember?

 

a)  The follow up with Copilot.

Copilot, I’d like to you scan the developing report uploaded to you and which is also linked here: https://www.manufacturedhomepronews.com/wp-content/uploads/2025/08/3DraftAIchkRobertKuttnerMeetKevinClaytonUnpackingClaytonHomesPressReleaseTAP_ZohranMandamivEzraKleinIsClaytonSerialLiarOrPalteringProEschewingSuperficialityInMHVilleFEA-MHProNews.pdf and https://www.manufacturedhomepronews.com/wp-content/uploads/2025/08/4DraftAICheck-WittinglyNotBillPulteWorkedForMHI-FailedCrossModPloy-RoadToZeroWealthScotsmanGuideCHOICEhomesMissKeyManufacturedHousingFEAplusSundayWeeklyMHVilleHeadlinesRecapMHProNews.pdf I’m asking much the same as I asked Gemini and Grok as shown in that draft. I want you to do a facts-evidence-analysis, a process described and illustrated within that report. Clayton Homes is part of a trillion-dollar brand, Berkshire Hathaway. Kevin Clayton and Clayton Homes claims that they want more affordable housing and want to help more people become homeowners, correct? But instead of pushing for the Duty to Serve (DTS) manufactured housing as required by the Housing and Economic Recovery Act (HERA), they are ‘celebrating’ that DTS support is only going to tiny subset (follow the links within that report for details about the Bill Pulte announcement and related facts) of the industry, known as CrossMod homes. If Clayton was serious about getting more affordable homes, isn’t it more logical to promote DTS for ALL HUD Code manufactured homes? Particularly those that the Manufactured Housing Association for Regulatory Reform (MHARR) calls “Mainstream” manufactured homes, which are over 99 percent of manufactured housing per known data? Kevin Clayton said in a video interview in 2011 with pro-Berkshire Robert Miles that the industry was ‘ready’ to do a national image/education campaign, along the lines of the demonstrably successful GoRVing campaign, isn’t that correct? So, why hasn’t “the industry” i.e.: the Manufactured Housing Institute (MHI or manufacturedhousing.org) failed to do what Kevin said was coming over a dozen years ago? Google’s AI is quoted explaining the importance of the 2000 Reform Law’s “enhanced preemption” provision. Can you find on this date any mention of those words “enhanced preemption” on the public side of the MHI website? Can you find a mention of that 2000 Reform Law or “enhanced preemption” by Clayton on their website or in a press release? How can they realistically expect to get something enforced that they don’t mention repeatedly until it becomes a reality? There are headline and other questions asked in the body of that article. Isn’t there evidence that Clayton says things that are contradictory, apparently factually untrue (the entire industry does NOT celebrate CrossMods, MHARR, our publications, and others have slammed it for years), which he must know isn’t true so that fits the definition of a lie, correct? Or is Clayton posturing and paltering in order to keep the industry underperforming so that continued consolidation instead of recovery back to historic levels occurs? Unpack those concerns and topics raised, checking other sources as warranted. Correct or confirm the accuracy of each segment of the report as to it being properly quoted as cited. Link ALL your responses in your response by using plain text hyperlinks and in the footnotes that you may produce, for ease in cutting and pasting into the developing report. If you see items that Gemini or Gemini might have weighed in on regarding those headline questions or the questions asked of you and it, go for it. If you want to generate a table or infographic to illustrate, go for it. Begin.

Thanks for your patience, Tony. Here’s a comprehensive Facts–Evidence–Analysis (FEA) unpacking of the key concerns raised in your developing report, triangulated with Gemini, Grok, and my own findings. I’ve structured this response into digestible sections, each with embedded plain-text hyperlinks and footnotes for easy integration into your article.

 

🧩 1. Clayton Homes’ Claims vs. Reality

✅ Claim: Clayton Homes and Kevin Clayton say they support affordable housing and homeownership.

• Evidence: Kevin Clayton’s quote in Freddie Mac’s press release: “We join the entire industry in celebrating Freddie Mac’s significant effort…” source
• Analysis: That statement is demonstrably false. MHARR, MHProNews, and others have consistently opposed CrossMods. MHI itself admitted developers are “moving away” from CrossMods, contradicting Clayton’s claim of industry-wide celebration.

🔍 Contradiction: Clayton promotes CrossMods—a niche product—while ignoring broader DTS support for mainstream HUD Code homes.

• Evidence: Less than 200 CrossMods built since 2017, per Gemini and Grok estimates. No cumulative totals published by MHI, Clayton, or GSEs.
• Analysis: If Clayton were serious about affordability, they would advocate DTS for all HUD Code homes, not just CrossMods. Their selective promotion benefits consolidation, not consumers.

 

🧠 2. Duty to Serve (DTS) and Enhanced Preemption

📜 Legal Mandate: DTS was established by the Housing and Economic Recovery Act of 2008 (HERA) to serve underserved markets, including manufactured housing.

• Evidence: FHFA’s own documentation confirms this mandate source
• Analysis: GSEs have failed to implement DTS for chattel loans, which comprise 70–80% of manufactured home financing. This failure disproportionately harms low-income buyers and benefits Berkshire-linked lenders like 21st Mortgage and Vanderbilt.

🚫 MHI and Clayton Silence on Enhanced Preemption

• Evidence: No mention of “enhanced preemption” on MHI’s public site source; no press releases from Clayton Homes referencing the 2000 Reform Law or enhanced preemption.
• Analysis: Without consistent public advocacy, enforcement is unlikely. MHARR has repeatedly called for enforcement, while MHI appears to sidestep the issue source

 

📉 3. CrossMod® Homes: Market Failure and Regulatory Capture

🧨 MHI’s Own Admission: Developers are abandoning CrossMods due to appraisal failures.

• Evidence: MHI letter to HUD admits this source
• Analysis: This undermines years of MHI and Clayton promotion. It also confirms MHARR and MHProNews critiques that CrossMods are a “Trojan Horse” for consolidation.

🏛️ Regulatory Capture?

• Evidence: Bill Pulte, FHFA Director, publicly praises Clayton in Freddie Mac’s press release source
• Analysis: Favoring a trademarked product (CrossMod®) over mainstream HUD Code homes raises ethical and legal concerns. It may violate fiduciary duties under HERA and the Administrative Procedure Act (APA).

 

📺 4. Kevin Clayton’s 2011 Video and Broken Promises

🎥 Claim: In a 2011 interview with Robert Miles, Kevin Clayton said the industry was ready for a national image campaign like GoRVing.

• Evidence: Interview transcript and analysis source
• Analysis: Over a decade later, no such campaign has materialized. GoRVing succeeded because it was backed by unified industry support and consistent messaging. MHI’s failure to replicate this suggests either incompetence or strategic neglect.

 

📊 5. Infographic: CrossMod vs. Mainstream Manufactured Homes

Feature	CrossMod® Homes	Mainstream HUD Code Homes
% of Industry Production	<1%	>99%
DTS Financing Availability	Yes (MH Advantage, CHOICEHome)	No (Chattel loans excluded)
Public Advocacy by MHI	Frequent	Rare or absent
Consumer Acceptance	Low (per Freddie Mac research)	High (62% would consider buying)
Cost (Home + Land)	~$200,000	~$136,000–$161,900 (avg. w/ land)
Appraisal Challenges	Frequent	Less common
Regulatory Support	FHFA, Freddie Mac	Largely ignored

 

🔚 Conclusion: Is Clayton Lying, Paltering, or Posturing?

• Lie: Saying the “entire industry celebrates” CrossMods is demonstrably false.
• Paltering: Promoting CrossMods as affordable while ignoring broader DTS and enhanced preemption is deceptive.
• Posturing: Public statements suggest support for affordability, but actions favor consolidation and niche products.

 

🔗 Footnotes and Sources

1. FHFA Duty to Serve Q&A
2. MHI Website
3. MHARR on Enhanced Preemption
4. Freddie Mac CHOICEHome Guidelines
5. Fannie Mae MH Advantage Matrix
6. CrossMod Critique and MHI Admission
7. Kevin Clayton Interview Analysis
8. Freddie Mac Research Brief
9. MHARR White Paper

 

Would you like me to format this into a downloadable infographic or table for your article? Or expand any section into a standalone editorial piece?

— MHProNews notes that the screen capture to document the accuracy of the above is found at this link here. —

 

15) MHProNews notes that none of the systems serious connected the dots between the topics raised with respect to TAP, Kuttner, etc.  That said, each of the AI systems confirmed the accuracy of the various elements and said that the logic holds.

While there were several reasons to do this report this way, one of the points of raising Kuttner and TAP in the context of Clayton and manufactured housing is that Kuttner admits that government has in several ways failed and is corrupt. Okay, fair enough. But here is an area that Kuttner, TAP, or any other mainstream media could dive into a wealth of facts, evidence, a range of analyses that points to system issues that raise legal concerns. If there are serious and sincere concerns the lack of affordable housing, about related issues like homelessness or the lack of generational wealth creation for minorities or others who have limited income, manufactured housing is proven ticket to more. That’s particularly so IF there is a serious and sustained effort to produce more mainstream HUD Code manufactured homes.

The disconnects between what is said and what is done is where many ‘stories’ that media could be probing demonstrably exists.

These are also good subjects for researchers, law-public policy-economics students, solution seekers to these issues, etc.

There are so few CrossMods, Clayton has used an apparent slight of hand to cause some to have the impression that CrossMods somehow may have superior appreciation. But it is mainstream manufactured homes that have been shown to be appreciating at a rate often faster than conventional ‘site built’ housing.

16)

 

IRS Complaint-‘Subject-Request for Investigation of Manufactured Housing Institute (MHI)’ Is Accountability Ahead for MHI Leaders Accused of Perjury, Institutional, Fiduciary Failures? MHVille FEA

 

There is always more to know. Stay tuned to the documented most read and runaway most popular manufactured housing professional “Industry News, Tips, and Views Pros Can Use” © where “We Provide, You Decide.” ©

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Professional Manufactured Home Industry Outsiders Remarks and Insider Rants on Good Umbrella Trade Qualities Reveal Woes at Manufactured Housing Institute for Organic Growth-Minded MHVille Leaders-FEA

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Montauk Shores-‘Mobile Home Stigma and Affordable Housing’ ‘Trailer Houses’ or ‘Manufactured Housing’ Often Associated with Housing for Poor Middle Class or Rich Won’t Consider Debunked; FEA

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MHI Pivots; National Association of Home Builders Remarks-Revelations on HUD Code Manufactured Homes; Manufactured Housing Institute-Clayton Homes-Champion Homes-Cavco Industries; MHVille FEA

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Again, our thanks to free email subscribers and all readers like you, as well as our tipsters/sources, sponsors and God for making and keeping us the runaway number one source for authentic “News through the lens of manufactured homes and factory-built housing” © where “We Provide, You Decide.” © ## (Affordable housing, manufactured homes, reports, fact-checks, analysis, and commentary. Third-party images or content are provided under fair use guidelines for media.) See Related Reports. Text/image boxes often are hot-linked to other reports that can be access by clicking on them.)

By L.A. “Tony” Kovach – for MHProNews.com.

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

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

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

http://latonykovach.com

Connect on LinkedIn: http://www.linkedin.com/in/latonykovach

 

 

 

 

 

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