Winners-Losers in 12 Points-What Rigged System Costs Most Manufactured Housing Pros and Americans–How Big Boy Puppet String Pullers Get Away With It? Plus, Sunday Weekly MHVille Headlines Review

WinnersLosersIn12PointsWhatRiggedSystemCostsMostManufacturedHousingProsAndAmericansHowBigBoyPuppetStringPullersGetAwayWithItPlusSundayWeeklyMHVilleHeadlinesReviewMHProNews

Evidence and researchers alike point to specific knowledge of the root causes and most proven solution to the affordable housing crisis in the U.S. That evidence, causes and solutions have been known for at least 25 years and some have said it’s been known for 50 years. With that in mind and with no explicit order of importance are the following twelve items that could turn millions of ‘losers’ into ‘winners’ in the contemporary hunt for the American Dream. Evidence for each of the following dozen items will be provided later herein.

  • 1) Zoning and regulatory barriers are near the top of the list.
  • 2) Affordable and sustainable financing has been called the “lifeblood” of all housing.
  • 3) Existing homes should be preserved whenever possible.
  • 4) In a free market economy, people should be allowed to choose if they buy a conventional ‘site built’ house, a manufactured home, modular, or other prefab style of factory-built housing, or if they need or otherwise prefer to occupy a rental housing unit.
  • 5) In as much as years of research reflects that manufactured housing is widely misunderstood and underappreciated, authentic education must deal with past or present legal or media controversies involving manufactured housing is important.
  • 6) Speaking of researchers – university, governmental, nonprofit or other third-party research should be reviewed, critiqued and/or affirmed as needed.
  • 7) Research documents and reports should be gathered and made publicly available along with the relevant commentary (critique).
  • 8) Umbrella style trade groups – as a longtime state Manufactured Housing Executive Committee (MHEC) member told MHProNews – boils down to the acronym P.E.P. = Protect, Educate, Promote.
  • 9) As Chris Stinebert, former Manufactured Housing Institute (MHI) president and CEO observed, the interests of manufactured homeowners and community residents must be vigorously protected.
  • 10) Manufactured home residents’ ability to enjoy appreciation of their home’s value, to have an effective resale system, and to be secure in their interests in either fee simple or land-lease manufactured home scenarios is good for the vast majority of the population.
  • 11) Smaller businesses have access to capital, information, and protection of their interests is vital. Why? Because smaller businesses often do a better job of innovation, taking care of their employees, plus of honest and fair dealing with their customers.
  • 12) Because oligopoly-style monopolization is harmful to employee earnings, the public interest, taxpayers and others antitrust laws should be vigorously enforced.

There could be more. But to keep this list relatively focused, if someone added a #13 bullet as a bonus or lagniappe – it could be timely access to dependable information and fact-checking. Meaning: “Industry News, Tips, and Views Pros Can Use.” ©

The problems connected to blocking solutions in that 12- or 13-point list could be summed up as Danny Glover did in the documentary linked here. “It’s not only a monopoly of wealth, it’s a monopoly of information as well.” That’s how ‘string pullers’ of the ‘rigged system’ get away with it. Because a relatively few monopolize much information and capital access or ‘wealth’ keeps the wealth of a few ‘elites’ growing while the wealth of the 99 percent continues to dwindle.

Among the reports for this Sunday weekly review linked below includes this fascinating pull quote from Oxfam (italics/bold added): “We have the evidence. We know the history. Public power can rein in runaway corporate power and inequality — shaping the market to be fairer…” There is much truth in that remark, although applying the principle of separating the wheat from the chaff should be applied. More in the detailed Oxfam reports linked below.

  • Millions of dollars have flowed to and through the Manufactured Housing Institute (MHI) in recent years.
  • Perhaps millions have flowed into platforms like Equity LifeStyle Properties (ELS) owned Datacomp/JLT Market Reports and MHVillage/MHInsider and ManufacturedHomes.com.
  • There are aspects of each of those platforms that initially seem impressive.
  • But a closer look reveals that each of those often or even routinely fails to implement the 12 points shown above. They may talk about some of those items. But they demonstrably fail to do the necessary steps to implement those items. The evidence is manufactured home production statistics.

Evidence from over two dozen major brands that are publicly traded and covered in our business-daily market recap reveals this. The ‘big boys’ behind manufactured housing’s dominating brands have tens to hundreds of millions of essentially liquid dollars and/or billions of dollars available for investing into advancing manufactured housing, if they so desired.

In response to an inquiry, Bing’s artificial intelligence (AI) powered Copilot said this.

BingCopilotAI-Screen1.3.2024MHProNewsDaniel R. Mandelker, a law professor emeritus at Washington University in St. Louis, wrote a working paper titled “Getting Zoning for Manufactured Housing Right” for the Lincoln Institute for Land Policy. In the paper, he stated that “A support organization is needed that can provide litigation and legislative support to help manufactured housing advocates with zoning reform” 12. …”

Ironically, Mandelker’s point is what the Manufactured Housing Institute (MHI) claims to be. MHI’s home page (as of 2.1.204 circa 4:25 PM ET) said the following. Note that on the surface this sounds fine. More following their home page pull-quotes.

 

QuoteMarksLeftSideManufactured Housing Enables the American Dream

Manufactured housing is a solution to today’s affordable housing challenge. With increased production efficiency resulting in lower costs, offsite-built housing creates accessible home options for Americans.”

 

QuoteMarksLeftSideGrow your business

Get the tools, platform and information you need”

 

All that sounds pretty good, right? Only experts and researchers say that doesn’t get translated into the action that the 12-point list above or that Law Professor Mandelker said is needed.

To the point of timely news, MHI’s home page news – which links to MHI’s news page – is almost comical on the date and time checked. The newest ‘news’ item is over a month old. Another is dated “JULY 18, 2023.” The definition of news provided by Copilot is as follows.

BingCopilotAI-Screen1.3.2024MHProNewsThe term “news” refers to information about recent events or happenings, which is published in newspapers, broadcast on radio and television, or shared on the internet 123. News can be about a wide range of topics, including politics, sports, entertainment, science, and more. It is often used to keep people informed about what is happening in the world around them. …”

In a follow up about what defines trade news, Copilot said this.

BingCopilotAI-Screen1.3.2024MHProNewstrade publication or trade journal is a periodical that is targeted towards a specific industry or profession. It provides news, updates, analysis, and insights relevant to that particular trade, helping professionals stay informed and advance in their careers 12345. Trade publications are similar to academic journals or scientific journals in that they serve their audiences by keeping them abreast of new developments in their respective fields. …”

 

In follow up Q&As, Copilot said this.

 

BingCopilotAI-Screen1.3.2024MHProNewsRegarding your question about trade publications or trade news, the Manufactured Housing Association for Regulatory Reform (MHARR) is a Washington, D.C.-based national trade association representing the views and interests of independent producers of federally-regulated manufactured housing 1They provide information on issues such as the Manufactured Housing Improvement Act of 2000, Duty To Serve, Washington Updates, manufactured housing industry production and shipment facts, and more 234…”

And this.

BingCopilotAI-Screen1.3.2024MHProNewsManufactured Home Living News: This is a widely acknowledged source for authentic news on mobile and manufactured home living, as well as the policies that impact this segment of housing that provides 22 million Americans with good, surprisingly appealing living. It provides news, trends, fact checks, and other updates 3.”

BingCopilotAI-Screen1.3.2024MHProNewsMHProNews.com: This publication provides news, analysis, and commentary for the manufactured housing industry. It covers topics such as zoning, financing, politics, and more. It also has more third-party research reports than perhaps any other source in the manufactured housing industry 2.”

 

While MHI and MHVillage were also mentioned, Copilot said:  “It’s important to be aware of the credibility of the sources we rely on for information.” What that may imply is that MHVillage and MHI are not as credible as the sources listed above.

Copilot also noted in a different Q&A the importance of being aware of narratives that may aim to manipulate readers/viewers/listeners.

To be clear, there are times Copilot provides questionable sources found in MHVille.

But if specifically questionable facts or practices are brought to Copilot’s attention, Bing often admits the error and offers an apology with an assurance that it will seek to avoid that error going forward. Since some aspects of Copilot are proprietary, it is unclear precisely how much programing or sponsorships (ads) influence its results. To illustrate, Copilot said this.

 

BingCopilotAI-Screen1.3.2024MHProNews…However, search engines like Bing and Google use complex algorithms to determine the order in which search results are displayed. These algorithms take into account a variety of factors, such as the relevance of the content to the search query, the quality of the content, and the popularity of the website. While advertising and other financial ties can influence search results to some extent, search engines strive to provide users with the most relevant and useful information possible 123.”

 

MHProNews and MHLivingNews do not pay for Google ads, nor for ads on Bing. To our knowledge, neither does the Manufactured Housing Association for Regulatory Reform (MHARR). So, their respective search results are what is generally known as organic.

By contrast, some others in MHVille pay for online ads and/or have the kind of “financial ties” that Copilot admits “can influence search results to some extent.” Per sources, Bing appears to have a strong left-leaning bias.

More on the dozen keys above and about search results in today’s postscript, which follows the headlines for the week in review. If you want to understand why manufactured housing is underperforming and what those costs are to the public, investors, small businesses owners, and employees, don’t miss the postscript.

With no further adieu, here are the headlines for the week that was from 1.28 to 2.4.2024.

What’s New on MHLivingNews

RememberNormalBuckleUpForManufacturingConsentOxfamBillionairesWorldAndTheAmericanDreamRealityCheckMobileManufacturedHomeLivingNews
https://www.manufacturedhomelivingnews.com/remember-normal-buckle-up-for-manufacturing-consent-oxfam-billionaires-world-and-the-american-dream-reality-check/

 

DemocraticCongressStaffAllegeManufacturedHousingInstituteMHI.AntiConsumerManufacturedHousingInstituteLeadersNoCommentSamStrommenAntitrustClassActionAllegationsAnalysisMHLivingNews
https://www.manufacturedhomelivingnews.com/democratic-congressional-staffer-alleged-manufactured-housing-institute-mhi-anti-consumer-manufactured-housing-institute-leaders-decline-comment-sam-strommen-antitrust-case-allegations-anal/

 

MayGodBeWithTheFamiliesOfDeceasedAsWellAsTheInjuredInstallerTimWilliamsOhioManufacturedHomeAssociationOMHA-RespondsToTragedyInHopewellEstatesInFostoriaOhioMHLivingnews
https://www.manufacturedhomelivingnews.com/may-god-be-with-the-families-of-deceased-as-well-as-the-injured-installer-tim-williams-ohio-manufactured-home-association-omha-responds-to-tragedy-in-hopewell-estates-in-fostor/
TrueStateOfU.S.HousingMarketPerMarketsInsiderOnJan5.2024WhatDataTellsAffordableHousingSeekersManufacturedHomeShoppersAdvocatesFactsExpertAnalysisMHProNews
https://www.manufacturedhomelivingnews.com/true-state-of-u-s-housing-market-per-markets-insider-on-jan-5-2024-what-data-tells-affordable-housing-seekers-manufactured-home-shoppers-and-advocates-facts-and-expert-analysis/

 

What’s New from Washington, D.C. from MHARR

ManufacturedHousingAssociationForRegulatoryReformMHARRcommentsCallForWithdrawalOfDestructiveDOEmanufacturedHousingEnergyEnforcementRuleMHProNews
https://manufacturedhousingassociationregulatoryreform.org/manufactured-housing-association-for-regulatory-reform-mharr-comments-call-for-withdrawal-of-destructive-doe-manufactured-housing-energy-enforcement-rule/
ManufacturedHousingProductionDeclinePersistedInNovember2023SaysManufacturedHousingAssociationForRegulatoryReformMHARRinJanuary2024ReportMHARRImageLogo
https://manufacturedhousingassociationregulatoryreform.org/manufactured-housing-production-decline-persisted-in-november-2023-says-manufactured-housing-association-for-regulatory-reform-mharr-in-january-2024-report/

 

StunningAndUnworkableDOEsExtremeEnergyEnforcementRegulationsWouldDestroyAffordableManufacturedHomesManufacturedHousingAssociationForRegulatoryReformMHARR
https://manufacturedhousingassociationregulatoryreform.org/stunning-and-unworkable-does-extreme-energy-enforcement-regulations-would-destroy-affordable-manufactured-homes/

Note: MHARR routinely publishes the national statistics on the 3rd of each month,
or on the first business day that doesn’t fall on a weekend or holiday.
New U.S. manufactured home production data is expected from MHARR on Monday by late afternoon, 2.5.2024.

 

What’s New on the Masthead

Dr. William Happer Explains Science on CO2 and Climate – Happer, Other Experts on Motivation, Agenda, Psychology and Sociology Behind Agenda Driven Big Lies – Why it Matters to USA-World-MHVille
https://www.manufacturedhomepronews.com/masthead/dr-william-happer-explains-science-on-co2-and-climate-happer-other-experts-on-motivation-agenda-psychology-and-sociology-behind-agenda-driven-big-lies-why-it-matters-to-usa-world-mhville/

 

Life and Death-In Some Ways We Choose Our Own Heaven, Hell, or Purgatory – Exploring Thoughts from Bootcamp for Boomers, Gen Z Concerns, AARP-AMAC-ACRU-Akalue and Joe Biden-Realities Check
https://www.manufacturedhomepronews.com/masthead/life-and-death-in-some-ways-we-choose-our-own-heaven-hell-or-purgatory-exploring-thoughts-from-bootcamp-for-boomers-gen-z-concerns-aarp-amac-acru-akalue-and-joe-biden-realities-check/
IndependentPartyIDnewHighDemocraticIDnewLowGallupHowThatMattersInAffordableHousingManufacturedHomeAdvocacyManufacturedHousingIndustryPerformanceRealityChecksMastMHProNews
https://www.manufacturedhomepronews.com/masthead/independent-party-id-tied-record-high-democratic-id-new-low-per-gallup-how-that-matters-in-affordable-housing-manufactured-home-advocacy-and-manufactured-housing-industry-performance-reality-c/

 

What’s New on the Daily Business News from MHProNews

Saturday 2.2.2024

RestoringNationalConfidenceMobilizationOfTheDisengagedYieldsGameOverAndLightsOutSaysTPAFactsInsightsFromFollowingTheMoney2023-2024plusMHVilleMarketsMHProNews
https://www.manufacturedhomepronews.com/restoring-national-confidence-mobilization-of-the-disengaged-yields-game-over-and-lights-out-says-tpa-facts-and-insights-from/

 

Friday 2.1.2024

MassiveTruckerConvoysFarmersOtherAmericansRoarUS-MexicoBorderDemandIllegalImmigrationBeStopped'TakeOurBorderBackFactsAndAnalysisBriefPlusMHVilleMarketsMHProNews
https://www.manufacturedhomepronews.com/massive-trucker-convoys-farmers-other-americans-roar-to-u-s-mexico-border-to-demand-illegal-immigration-be-stopped-take-our-border-back-facts-and-analysis-brief-plus-mhville-markets/

 

Thursday 1.31.2024

AfterELSadmitsErrorAttorneyCallsForWhistleblowersVsEquityLifeStylePropertiesMultipleLawFirmsAnnounceInvestigationsOnBehalfOfELSinvestorsMHVilleExposéPlusMHMarketsMHProNews
https://www.manufacturedhomepronews.com/after-els-admits-error-attorney-calls-for-whistleblowers-vs-equity-lifestyle-properties-multiple-law-firms-announce-investigations-on-behalf-of-els-investors-mhville-expose-plus-mhmarkets/

 

Wednesday 1.30.2024

MHIsAttorneysWarnedIrreparableHarmFromDOE-LoomsMHARRsFormalCommentsCallForWithdrawalOfDestructiveDOE.ManufacturedHousingEnergyRuleFactsAnalysisPlusMHVilleMarketsMHProNews
https://www.manufacturedhomepronews.com/mhis-attorneys-warned-irreparable-harm-from-doe-looms-mharrs-formal-comments-call-for-withdrawal-of-destructive-doe-manufactured-housing-energy-rule-facts-w-analysis-plus-mhville-markets/

 

Tuesday 1.29.2024

WOW!Fireworks!MHVilleTrafficSurges!WhatsHotAndWhatsNotInManufacturedHousingIndustryJanuary2024SnapshotsFactsAndMHIndustryInsiderAnalysisPlusMHVilleMarketsUpdateMHProNews
https://www.manufacturedhomepronews.com/wow-fireworks-mhville-traffic-surges-whats-hot-and-whats-not-in-manufactured-housing-industry-january-2024-snapshots-facts-and-mh-industry-insider-analysis-plus-mhvill/

 

Monday 1.28.2024

RunawayCorporateMonopolyPowerInequalityGeneratingMachineUltraRichGetRicherBut5BillionGrowPoorerSaysOxfamPerInequalityReportFactsWithU.S.MHVilleInsightsAnalysisMHProNews
https://www.manufacturedhomepronews.com/runaway-corporate-monopoly-power-inequality-generating-machine-ultra-rich-get-richer-but-5-billion-grow-poorer-says-oxfam-per-inequality-report-facts-with-u-s-and-mhville-in/

 

Sunday 1.27.2024

EmployeesAndContractorsOfPredatoryBrandsInManufacturedHousingIndustryHavePotentialPOWERin2024FactsInsightsAnalysisInBriefPlusSundayWeeklyMHVilleHeadlinesRecapMHProNews
https://www.manufacturedhomepronews.com/employees-and-contractors-of-predatory-brands-in-manufactured-housing-industry-have-potential-power-in-2024-facts-insights-analysis-in-brief-plus-sunday-weekly/

 

Postscript

What does “the rigged system” in MHVille cost the U.S.?

Ironically, prominent MHI member Cavco Industries (CVCO) provides some insights. That bottom right corner from Cavco’s Investor Relations pitch below says: “Shortage of affordable housing costs American economy $2T (two trillion dollars annually) in lower wages and productivity.” Other sources have indicated a similar sum, so that appears to be a reasonable estimate.

 

CavcoIndustriesNov2023pg4AffordableHousingCrisisSnapshotManufacturedHousingMHProNewsMHProNewsFactCheckAnalysis
Base image is from the Cavco Industries November 2023 Investor Relations ‘pitch deck’ or presentation. Satirical “Proud Member of Machiavellian Housing Institute” (i.e.: Manufactured Housing Institute or MHI) with its modified MHI tag line: “The National Association Serving Consolidators of the Manufactured Housing Industry” was added by MHProNews, but Cavco Industries is a “proud” MHI member. Call out boxes and arrows are added by MHProNews as part of this fact check and analysis.

 

This next article indicates that manufactured home industry employees could be earning about 17 percent higher than they currently are if oligopoly style monopolization were not so common.

 

BrunoPelligrinoUMarylandBusSchlManufacturedHomeEmployees17PercentPayHikePerYouGovMostUSAOpposeMonopoliesFactsViewsPotentialBenefitsBattleOligopolyStyleMonopolizationMHMarketsMHProNews
https://www.manufacturedhomepronews.com/manufactured-home-employees-want-a-17-percent-pay-hike-per-yougov-most-americans-oppose-monopoliesfacts-views-potential-benefits-battling-oligopoly-style-monopolization-plus-mhville-markets/

1. Let’s sum up to this point.

A) There is a widespread belief that the ‘system is rigged’ in the U.S.

B) There are experts and politicians across the left-right spectrum who also say “the system is rigged.”

C) Oxfam and others have made a similar argument. The have pointed out that this rigged system enriches the few at great cost to the many.

D) So, it is no surprise that there is evidence that the system is rigged in manufactured housing too.

E) Legal researcher Samuel Strommen’s thoughtful and well footnoted probe into manufactured housing makes numerous relevant points backed by evidence. Strommen observed, for example, that from behavior inferences can be drawn.

F) Given that MHI leaders are routinely well educated, seasoned professionals, it is not credible that they are simply missing something or that they are stupid, ignorant, or anything along those lines.

G) Rather, the known evidence indicates that the status quo in manufactured housing – regardless of what MHI corporate or staff leaders may say – is desired by insiders at this time. Follow the facts, evidence, motivation, and money.

Former MHI vice president turned MHARR founding president, CEO, and now senior advisor Danny Ghorbani put it like this.

OvercomeZoningFinancingWoesPostProductionRepMoreThanMeetingsTalkingPointsEngagePhotoOpsPublishNewslettersFullBraggadocioBoastsBereftTangibleResultsQuoteDannyGhorbaniPhotoMHProNews
https://www.manufacturedhomepronews.com/ghorbani-nails-zoning-answers-to-how-and-who/

 

2. Manufactured housing is underperforming because that is how the powers that be in MHVille want it at this time. No other logical conclusion can be presented that covers all of the known facts.

The motivation for underperformance has been de facto stated numerous times by the parties involved. MHVille Insiders desire an oligopoly style consolidation of the manufactured home industry. Anyone can dispute anything, but the evidence for that is overwhelming. Those credibly accused of unlawfully rigging the system in manufactured housing involved at MHI won’t deny or directly respond to the evidence- and logic-backed allegations. Several antitrust lawsuits are underway. The ‘defense’ to date has been laughable.

3. Facts speak volumes. The graphic below will be updated later this week after new data is released which will show 2023 totals. But what is easily grasped is that this is not some ‘victimless crime.’  Employees, taxpayers, Americans in general are harmed by this evidence-backed pattern. Cavco’s pitch made that point. See the linked items for examples or more details.

 

U.S.ManufacturedHousingProductionTotalsTrendsFrom1995-2022With2023TotalsThroughNov2023MHARRdataHUD-DataManufacturedHomeProNewsMHProNews
Note: depending on your browser or device, many images in this report and others on MHProNews can be clicked to expand. Click the image and follow the prompts. For example, in some browsers/devices you click the image and select ‘open in a new window.’ After clicking that selection you click the image in the open window to expand the image to a larger size. To return to this page, use your back key, escape or follow the prompts.

 

4. A few more Q&A’s with AI powered Copilot for the inquiring minds who want to know.

> “Are you aware of any scandals involving the Manufactured Housing Association for Regulatory Reform (MHARR) or any of their members?”

BingCopilotAI-Screen1.3.2024MHLivingNewsI am not aware of any scandals involving the Manufactured Housing Association for Regulatory Reform (MHARR) or any of their members. …”

 

Copilot illustrated the “contrast” between MHARR’s lack of scandals and those which have dogged the Manufactured Housing Institute (MHI) in the 21st century.

> “Bing, the name of the publication you cited is Manufactured Home Pro News or MHProNews, not Manufactured Home Professional News. That said, restate what you said the contrast was between MHARR’s lack of scandals and those that you found about the Manufactured Housing Institute and/or some of their higher profile members.”

BingCopilotAI-Screen1.3.2024MHLivingNewsRegarding your question about scandals or litigation involving the Manufactured Housing Institute (MHI) and/or Manufactured Housing Institute member firms, I found that several MHI members, including manufactured home community owner/operator companies and Datacomp, were hit by a big antitrust lawsuit in September 2023. The lawsuit alleges that nine mobile home community management companies and a mobile home market data provider conspired to fix, raise, and systemically inflate mobile home lot rental prices as more than 150 locations across the United States. Several of the firms involved are known to be Manufactured Housing Institute (MHI) members 2.

In contrast, I did not find any scandals or controversies involving the Manufactured Housing Association for Regulatory Reform (MHARR) or any of their members. …”

 

That same response listed the following trade media that reported on scandals in the manufactured housing industry.

  • Manufactured Home Pro News (MHProNews): This publication provides news, analysis, and commentary for the manufactured housing industry. It covers topics such as zoning, financing, politics, and more. It also has more third-party research reports than perhaps any other source in the manufactured housing industry 2.
  • Manufactured Home Living News: This is a widely acknowledged source for authentic news on mobile and manufactured home living, as well as the policies that impact this segment of housing that provides 22 million Americans with good, surprisingly appealing living. It provides news, trends, fact checks, and other updates . …”

Note what Bing’s research pointed to: “In contrast, [to scandals or litigation involving MHI and/or their members] I did not find any scandals or controversies involving the Manufactured Housing Association for Regulatory Reform (MHARR) or any of their members. …”

 

5. Consider this Q&A and related reasoning.

> “What does the expression “Heads I win, tails you lose” mean? What does the expression “Heads the insider win, tails the outsiders lose” mean?”

BingCopilotAI-Screen1.3.2024MHLivingNewsThe expression “Heads I win, tails you lose” is a humorous idiom that describes a situation in which one person has an advantage from the start and will win no matter what the outcome is 12.

The expression “Heads the insider win, tails the outsiders lose” is a variation of the above idiom that is used to describe a situation in which insiders have an unfair advantage over outsiders, and will benefit no matter what the outcome is 34.”

 

6. Copilot also noted that:  “…it is not uncommon for industries to have insiders who have an advantage over outsiders, and this can lead to unfair practices or outcomes.”

> “Which 21st century Manufactured Housing Institute chairman have been accused of apparent wrongdoing?”

The first few responses to that question were a mix of accurate and mistaken information. As was noted on MHLivingNews and near the top of the illustration here Bing’s own disclaimer on Copilot advises that errors are possible. Specifically, it says: “Bing is powered by AI, so surprises and mistakes are possible.” Note again that MHProNews routinely uses the balanced or ‘blue’ setting for responses.

In the article linked here it says: “Copilot can be ‘reasoned with’ by an inquirer when it presents an answer that is demonstrably incorrect.” That is precisely what occurred in the follow ups. Apparent errors were questioned, and Copilot rechecked and made adjusted responses. Bing asks for such search results feedback.

With that in mind, here is what that part of the Q&A thread like.

> “You just said in 16 of 20 that Smith and Williams were accused of wrongdoing or hit by legal and regulatory actions. So, 17 of 30 appears to contradict that point. Let’s further clarify that you earlier mentioned that Clayton Homes lending was cited by the Seattle Times for apparent wrongdoing, right? 21st Mortgage Corporation is a sister brand to Clayton Homes. Nathan Smith’s legal and regulatory issues were covered by local news as well as by Manufactured Home Living News, correct? Warren Buffett himself responded to allegations against Clayton’s lending, which is more specifically 21st Mortgage Corporation and Vanderbilt Mortgage and Finance, all owned by Berkshire Hathaway, correct? Furthermore, Rep Maxine Waters and other House Democrats signed onto a letter specifically asking for a probe by federal officials of Clayton Homes related lending, correct? Please recheck, and then rephrase the response in 17 of 30 in the light of the information found in your revised search.”

BingCopilotAI-Screen1.3.2024MHLivingNewsI apologize for any confusion caused by my previous response. Here is a summary of the information I found:

  1. According to Manufactured Home Living News, Nathan Smith’s SSK Communities was hit with a lawsuit filed on behalf of several of their one-time residents that claimed a pattern of predatory behavior which forced people out of their homes through non-renewal of leases 12.
  2. According to Manufactured Home Living News, Clayton Homes’ lending practices were cited by the Seattle Times for apparent wrongdoing 321st Mortgage Corporation is a sister brand to Clayton Homes 4Warren Buffett himself responded to allegations against Clayton’s lending, which is more specifically 21st Mortgage Corporation and Vanderbilt Mortgage and Finance, all owned by Berkshire Hathaway 35.
  3. According to Manufactured Home Living News, Joseph “Joe” Stegmayer, former Chairman and CEO of Cavco Industries, was charged with securities fraud and insider trading by the Securities and Exchange Commission (SEC) in November 2018 6.
  4. According to Manufactured Home Living News, Thomas “Tom” Hodges, J.D., General Counsel to Clayton Homes and Manufactured Housing Institute Chairman, was slapped by a complaint with the Tennessee Bar Association Board of Professional Responsibility (TBA BPR) for various illegal and improper actions 7.
  5. According to Manufactured Home Living News, several Manufactured Housing Institute (MHI) members, including manufactured home community owner/operator companies and Datacomp, were hit by a big antitrust lawsuit in September 2023 8.
  6. According to Manufactured Home Living News, Rep Maxine Waters and other House Democrats signed onto a letter specifically asking for a probe by federal officials of Clayton Homes related lending 9.

I hope this information is helpful. Let me know if you have any other questions.

Learn more

7. Stop and reflect for a few moments. MHI’s top board leaders have a stunning list of scandals, controversies, and/or litigation involving them.
  • Nathan Smith, co-founder of SSK Communities which rebranded as Flagship Communities.
  • Joseph “Joe” Stegmayer, Cavco Industries but previously a division president for Clayton Homes.
  • Thomas “Tom” Hodges, Clayton Homes general counsel.
  • Tim Williams, 21st Mortgage Corporation, which like Clayton Homes is Berkshire Hathaway owned. Williams/21st was specifically named by Strommen in his legal research, which accused MHI leaders of “felony” antitrust violations.

This review reveals an apparent 21st century pattern at MHI. That indicates collusion or “conspiracy.” So, per the DOJ, the statues of limitations on these items doesn’t begin to run until the last violation of the law occurs.

 

StatuteOfLimitationsConspiracyDOJ-MHProNews
There is evidence that a conspiracy to consolidate the manufactured housing industry is hiding in plain sight. The kind of monopolization method could be described as oligopoly.

 

8. Copilot said the NAHB and NAR have had different scandals than MHI.

9.

BingCopilotAI-Screen1.3.2024MHLivingNewsThe article “Remember Normal? Buckle up for Manufacturing Consent, Oxfam, Billionaire’s World, and the American Dream Reality Check” on Manufactured Home Living News discusses the impact of the COVID-19 pandemic on the American Dream and the housing industry. The article explores the concept of “manufacturing consent,” which refers to the ways in which powerful interests shape public opinion and policy decisions. It also discusses the role of billionaires in shaping the world economy and the challenges facing low- and middle-income Americans who are struggling to achieve the American Dream.

The article also includes a collage of quotes and illustrations from third-party reports and research that sheds light on why manufactured housing is underperforming during an affordable housing crisis. It is an evidence-based call for state/federal investigations 12Additionally, Manufactured Home Living News has published several articles that explore the impact of monopolization on the manufactured housing industry, including the increasing consolidation of landlords and the monopolization of manufacturing and financing 32

Learn more

11. Glover said It’s a monopoly of information and wealth. The one helps the other. Curious and skeptical minds willing to look at the evidence with eyes wide open now have with this column a roadmap.  Smiles and happy talk can apparently be faked. The truth can be hidden in plain sight. Follow the links to learn more. The time to act upon these insights is long overdue, but better late than never. The good news is that the legal system can work. ##

AbeLincolnQuoteNoManHasMemoryGoodEnoughToBeASuccessfulLiarAbrahamLincolnPhotoMHProNewsQuoteableQuote
By carefully tracking the various statements and claims, past or present, by various MHI linked operations, MHProNews is able to demonstrate the apparent disconnects between their prior claims and their later deeds. It is often comparing past claims by the same source with more recent ones that disconnects appear and prior claims are revealed to be inaccurate. Knowing those past and more recent claims, who is and is not reliable, is a potentially important advantage in exploring legal, regulatory and other issues in MHVille. 

 

YouCanFoolAllofthePeopleSomeoftheTimeSomeofthePeopleAlloftheTimeButCantFoolAllofthePeopleAlloftheTimeAbrahamLincolnAbeLincolnQuoteMHproNews
For those who know authentic vs. weaponized American history, there is indeed a series of attempts to ‘fool’ the people on a range of issues. That being so, is it any surprise that similarly bold efforts to ‘fool’ most professionals and the broader public about manufactured housing’s realities also exists?
AbrahamLincolnPhotoPortraitAHouseDividedAgainstItselfcannotStandSpeechQuoteUnionWillBecomeAllOneThingorAnotherSlaveryArrestedAdvocatesWillPushToAcceptInNorthAndSouthMHProNews
Several of the illustrations shown in this report can be opened in many browsers to reveal a larger size. To open this picture, click the image once. When the window opens, click it again to reveal the larger size photo. Use your browsers back key to return to the article.

For the Week Ahead Programming Notices:

i. New manufactured home production data is going to be released this week.  MHARR will cover it at their link here. Watch for our MHProNews report on it. Don’t be surprised if MHI releases no data at all. If the common pattern holds, many of MHI aligned trade publications will follow MHI’s lead.

ii. A deep dive into one of MHI’s prominent member’s latest data, which is routinely revealing. This is something only MHProNews has done for years among MHVille trade media. Watch for that on Monday.

iii. MHProNews is still mulling doing a report on Indivisible and its connections to giants involved in MHVille.  We did a report approaching 3 years ago on Indivisible, see that linked here. Remember, we follow the money trail so you don’t have to hunt as long or hard for the truth.

Stay tuned to your #1 source for Manufactured Housing “Industry News, Tips, and Views Pros Can Use” © where “We Provide, You Decide.” © Here you will find Intelligence for your MHLife.”  © Tipsters? Forward or Submit items at this link here. Employees of a “predatory” MHI brand? Click here. ###

 

IntelligenceDefinitionOxforLanugaguesIntelligenceForYourMHLifeMHProNews - Copy
No one connects the dots in MHVille like MHProNews and MHLivingNews. Who says? Competitors. Manufactured home industry outsiders, but also from MHVille insiders.
ManufacturedHousingFeaturedProminentDuringHouseOversightHearingPerManufacturedHousingInstituteHousingAlertWhatMHIleadersDidDidntSaLieFalseMisleadingSundayWeeklyHeadlinesRecapMHProNews
https://www.manufacturedhomepronews.com/manufactured-housing-features-prominently-during-house-oversight-hearing-per-manufactured-housing-institute-housing-alert-what-mhi-leaders-did-didnt-say-plus-sunday-weekly/
ThereAreManyKindsOfJournalismQuoteConstitutionalResponsibilityKeepInstitutitionsInCheckAmericanPressInstituteMHProNews2
“There are many kinds of journalism, but at the heart of their constitutional responsibilities, journalists are in the business of monitoring and keeping a check on people and institutions in power.” – American Press Institute.

 

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To report a news tip – either ON or OFF the record – click the image above or send an email to iReportMHNewsTips@mhmsm.com – To help us spot your message in our volume of email, please put the words NEWS TIP or COMMENTS in the subject line.

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, further below. Text/image boxes often are hot-linked to other reports that can be access by clicking on them.)

CongRepAlGreenDeskTamasKovachLATonyKovachPhoto12.3.2019ManufacturedHomeProNews
Our son has grown quite a bit since this 12.2019 photo. All on Capitol Hill were welcoming and interested in our manufactured housing industry related concerns. But Congressman Al Green’s office was tremendous in their hospitality. Our son’s hand is on a package that included the Constitution of the United States, bottled water, and other goodies.

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

 

 

Related References:

The text/image boxes below are linked to other reports, which can be accessed by clicking on them.’

ManufacturedHomeHangOffBridgeCantIgnoreConsquencesOfRealityManufacturedHousingInstitute1.3.2024FailsMentionProductionDropNCC-MoreAnalysisPlusSundayWeeklyMHVilleHeadlinesRecapMHProNews
https://www.manufacturedhomepronews.com/manufactured-housing-institute-mhi-1-3-2024-emailed-news-updates-fails-mention-of-manufactured-home-production-drop-focus-on-ncc-more-analysis-plus-sunday-weekly/
‘If We Keep Doing What We’ve Been Doing We Will Keep Getting What We Got!” – MHIdea-Post-Production Trade Association(s) Status – MHI, MHARR, NAMHCO, Other Examples Considered – Full Transcript plus Analysis
https://www.manufacturedhomepronews.com/masthead/if-we-keep-doing-what-weve-been-doing-we-will-keep-getting-what-we-got-mhidea-post-production-trade-associations-status-mhi-mharr-namhco-other-examples-considered/

 

SunshineHomesRedBayALsingle-sectional-manufactured-home-show-SunshineHome-manufacturedhomelivingnews-com-HUDreport575x334-575x330
Photo credit: Sunshine Homes. Red Bay, AL, https://www.manufacturedhomelivingnews.com/reinventing-huds-role-in-quality-affordable-housing-reducing-poverty-and-dependency/

 

 

 

 

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