Behind the Curtains of the U.S. Affordable Housing Crisis - One Man’s Journey of Discovery, Wonders and Woes

All of us are walking history books, even if we don’t think about ourselves in that way. Hold that thought.

Odds are excellent that much of what you or I use, wear, or drive comes from a production center or "factory." From clothes, to dishes, utensils, tools, furniture, vehicles, tech, appliances or the components that go into building a house - they are routinely produced indoors in "a plant."

Habits can be good, bad, or meh. Some attitudes are habitual and ought to be questioned. HUD reported to Congress for the last year of the Biden-Harris era that over 770,000 people in the U.S. were homeless in 2024. Many of them hold jobs but they were homeless due to a lack of affordable housing. That ought to be a wakeup call for everyone with an ounce of compassion or an ounce of gray matter.

https://www.manufacturedhomepr...

Are you ready for a shock?

Congress enacted laws in 2000 and 2008 that were designed to provide a free market solution to the affordable housing crisis. Congress passed those laws by widely bipartisan margins.

Those federal laws were intended to provide millions of more affordable homes without taxpayer subsidies have never been properly implemented. Perhaps that is mildly akin to years of festering U.S. border/immigration crisis due to improperly enforced laws. Congress ought to know this because they've heard testimony on several occasions since those laws were passed.

https://www.manufacturedhomeli...

https://www.manufacturedhomeli...

https://www.manufacturedhomeli... and https://www.manufacturedhomepr...

But let's step back for a personal journey of discovery that will shed light on all of this.

As a disclosure, since the early 1980s, this writer has spent most of his adult life working in the manufactured housing industry.

I've personally owned conventional houses in new as well as upscale neighborhoods.

I've also owned several manufactured homes.

For career, assignments, consulting, speeches, and other reasons I've lived, worked, and traveled in all but three states in the U.S., plus traveled to Canada and Mexico several times.

Over the years I’ve had times that I’ve rented or had company housing provided. I’ve lived in apartments, townhouses, duplexes, on ship, and even in a studio long before tiny housing became cool.

From these personal experiences, I can tell you that you cook, clean, eat, live, and love much the same in a manufactured home as you do in conventional 'site built' or other housing.

There are differences.

For example, you normally walk up 3 or 4 steps before you enter your residence with a manufactured home, but that still is true for millions of site-built houses constructed decades ago before building on slab foundations became popular.

https://patch.com/florida/lake...

But living and maintenance are much the same in conventional site-built housing and in a manufactured home.

The lawns need to be mowed and the bathrooms need to be cleaned regardless of what kind of method was used to build the housing you live in.

Numbers of 21st century research document interesting facts. For example, they reveal that manufactured homes appreciates at a similar or in several states at an even faster rate than conventional housing, which is true for both entry level manufactured housing as well as the more residential style manufactured homes. Sorry, I’m getting ahead of myself.

I stumbled into manufactured housing quite by accident.

No doubt I had seen pre-HUD Code mobile homes or early HUD Code manufactured homes before 1980.

But mobile or manufactured homes frankly never registered on me much until I took a wrong exit off I-240 in Oklahoma City onto Shields Blvd. Looking back, it is funny how leaving the interstate highway one exit too soon can dramatically change the course of a person’s life.

When I started to take that exit ramp, I already knew I had goofed, but it was too late to get back onto I-240. So, as I pulled up to the signal and turned north onto Shields Blvd I was not expecting what I encountered.

I recall seeing miles of 'dealerships' (a.k.a.: retail centers) with row after row of manufactured homes for sale.

Back in those days, Shield Blvd in Oklahoma City was reportedly one of the most intense concentrations of manufactured housing retail centers in the entire U.S.

There were 52 sales centers with new and pre-owned mobile and manufactured homes on a roughly 2.2 mile stretch of South Shields that extended both north and south from I-240 (from Universal Homes north of 59th to 89th).

The first sales center that drew my eyes that day had one of those portable signs that you could change the letters and numbers on with an arrow with flashing lights.

That sign said: ‘New 2 bed, 1 bath delivered, setup with AC $9995.’

I thought to myself, how can you sell a new home for less than $10,000?

I was immediately fascinated.

By way of comparison, according to Google’s Gemini, “In 1980, the average cost of a new home in the Oklahoma City area, which includes Moore, was approximately $54,000.”

Now I believe in reality, honesty, and accuracy.

So, to be fair that 10K vs. 54K is not apples-to-apples, because most new site-built houses were three bedrooms and two baths and obviously had a lot. But as with almost everything, land was lower in cost then and so were site fees (a.k.a.: lot rent) in land-lease communities (a.k.a.: "mobile home parks"). Meaning, you could buy or lease a lot for a manufactured home and that combined payment than was markedly less than on a site-built house.

GoBankingRates published an article earlier this year that stated that the national average for a house in 1980 was as follows. It said the price at the time and then the adjusted that price into 2025 dollars.

“1980

• Average home sale price (in year sold): $76,400
• Average home sale price (in 2025): $279,400”

So, the point is that then or now, for a fraction of the construction cost of a conventional ‘site built’ house, someone could own a new manufactured home.

I quickly decided I wanted to be involved in that industry.

Fast forward to today.

The National Association of Home Builders (NAHB) said this on 5.7.2025.

“According to data from the U.S. Census Bureau and the National Association of Realtors, the median price for a new single-family home sold during the first three months of 2025 was $416,900, compared to $402,300 for an existing home. This modest $14,600 gap is notably small by historical standards.”

Gemini this morning said this about the average manufactured home.

“In 2025, the average cost of a new manufactured home in the U.S. is estimated to be around $124,300, according to the Manufactured Housing Institute. This is significantly less than the average cost of a site-built home, which is around $409,872. Manufactured homes are often more affordable due to their lower cost per square foot, with an average of $87 compared to $166 for site-built homes.

Here's a more detailed breakdown:

• Average New Manufactured Home Cost: $124,300
• Average Site-Built Home Cost: $409,872
• Average Cost per Square Foot (Manufactured): $87
• Average Cost per Square Foot (Site-Built): $166

The affordability of manufactured homes makes them a popular choice for those seeking a more budget-friendly housing option. They can be a good alternative to traditional site-built homes, particularly for those looking to enter the housing market or downsize.”

A look at historic records reveals that since World War II, housing affordability in the U.S. has routinely been an issue.

GI's returning from the wars in Europe and the Pacific needed housing. The federal government, and private industry, swung into action. In the CBS Sunday Morning video below, at about the 1:10 mark, you will see what a 'trailer house' was like in that era.

Per the YouTube page for this video (note that the terminology in their video is flawed, but the insights are valuable). "Mobile designer Jennifer Siegal tells us there's a bright future for trailers. Correspondent Mark Strassmann visits the Atocha Mobile Home Park in Santa Fe, N.M., where the emphasis is on affordable housing; and Paradise Cove in Malibu, Calif., where mobile homes can cost millions of dollars."

Today, during a well-documented affordable housing crisis, one might think that manufactured homes would be soaring in popularity. The Government Sponsored Enterprise (GSE) and mortgage giant Freddie Mac did research on the manufactured home market and published a series of reports. Those reports (and others like them by an array of sources) dispelled the common myths or outdated realities.

https://www.manufacturedhomeli...

https://www.manufacturedhomeli...

The National Association of Realtors (NAR) Journal of Real Estate Studies in 2018 published a report that kindly included yours truly in its first footnote (page 48). This graphic below is from that report by Scholastica "Gay" Cororaton, CRE. Note that the monthly cost for living in a manufactured home was lower than renting or buying a conventional house or living in an apartment. While the dollar amounts have risen since due to Biden-Harris (D) era inflation the percentage of savings is quite similar.

https://www.manufacturedhomepr...

Freddie Mac said over 25 million people could qualify to buy (finance) a manufactured home.

https://www.manufacturedhomeli...

The National Association of Home Builders (NAHB) recently said that some 75 percent of the population could NOT qualify to buy a new conventional site-built house.

https://www.manufacturedhomepr...

But as the NAR graphics by Cororaton above revealed, and despite years of research by third parties like NAR or Freddie Mac, manufactured housing today is operating at only a fraction of what it once did in the 20th century.

How is that possible during an affordable housing crisis? How could that be after Congress passed favorable laws?

Hold those thoughts.

Before shedding light on those topics with insights from the Manufactured Housing Institute (MHI) and others in Part II, let's provide the latest production data according to the Washington, D.C. based Manufactured Housing Association for Regulatory Reform (MHARR) in Part I. We'll pick those questions up in Part II.

Part I

INDUSTRY PRODUCTION RISES IN APRIL 2025

Washington, D.C., June 4, 2025 – The Manufactured Housing Association for Regulatory Reform (MHARR) reports that according to official statistics compiled on behalf of the U.S. Department of Housing and Urban Development (HUD), HUD Code manufactured housing industry year-over-year production increased in April 2025. Just-released statistics indicate that HUD Code manufacturers produced 9,454 new homes in April 2025, a 5.3% increase over the 8,971 new HUD Code homes produced in April 2024. Cumulative production for 2025 now totals 35,642 new HUD Code homes, as compared with 33,248 over the same period in 2024, a 7.2% increase.

A further analysis of the official industry statistics shows that the top ten shipment states from January 2023 — with monthly, cumulative, current reporting year (2025) and prior year (2024) shipments per category as indicated — are:

The April 2025 statistics move Mississippi into eighth place on the cumulative top-ten list, while Tennessee and Kentucky move to 9th and 10th place respectively.

The Manufactured Housing Association for Regulatory Reform is a Washington, D.C.- based national trade association representing the views and interests of independent producers of federally-regulated manufactured housing.

— 30 —

Manufactured Housing Association for Regulatory Reform (MHARR)
1331 Pennsylvania Ave N.W., Suite 512
Washington D.C. 20004
Phone: 202/783-4087 Fax: 202/783-4075 Email: MHARRDG@AOL.COM
Website: www.manufacturedhousingassociation.org
—
The Manufactured Housing Association for Regulatory Reform (MHARR) manufactured housing production data is available for re-publication in full (i.e., without alteration or substantive modification) without further permission and with proper attribution and/or link back to MHARR.

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Part II - What the Manufactured Housing Institute (MHI) Did and Didn't Say

1) For background and as another disclosure, I was a member of the Manufactured Housing Institute (MHI) for about 7 years, and served for part of that time as an elected board member for their Suppliers Division. I traveled to numerous MHI meetings that were held from coast-to-coast. For years, I was not only an attendee but also a presenter for MHI and/or other MHI-linked state associations.

2) For several years, the parent company to our publishing arm did the marketing and the educational sessions for the Louisville Manufactured Housing Show and also for the Tunica Manufactured Housing Show where others and I presented. We called them "standing room only" events for reasons this photo illustrates.

Not to brag, but scores of professionals liked my presentations. They were well attended. I talked about real problems and real solutions.

3) For the most part, I enjoyed MHI meetings and the trade shows. It can be pleasant talking to people in your own profession. My wife and I were already publishing Manufactured Home Pro News (MHProNews) which we launched in 2009. It rapidly became and remains the documented largest and most read trade media serving the manufactured home industry.

https://www.manufacturedhomepr...

By the way, I don't think MHI senior staff, board members, or their attorneys would dispute most of the statements made or linked herein, but they should be asked to respond.

4) So, I've been pro-manufactured housing since about the time of that wrong turn off I-240 onto South Shields and for good reasons as years of university, governmental, nonprofit and other research documents. I walked the walk and talked the talk candidly. When you do your job well, and treat customers honestly, you get referrals and results that get awards. I worked in management in retail and in communities.

The story of manufactured housing is quite amazing. As the headline suggested, it is full of wonder.

But it is also a troubling tale that has its share of woes.

How is it possible that something so necessary as affordable manufactured homes are when they are properly done, yet the proven product has been so misunderstood, abused, and mishandled in our society?

5) As that graphic by NAR's Cororaton showed, in the early 1970s, pre-HUD Code manufactured housing production topped 500,000 homes for two years during the mobile home era. Congress passed legislation in 1974 regulating the industry by HUD that went into effect on June 15, 1976.

6) Almost immediately after HUD got involved, new factory-built home production dropped sharply as various Federal Reserve linked researchers and others have documented.

Elena Falcettoni, Mark L. J. Wright, and James A. "Jim" Schmitz Jr. are among those who have ties to parts of the Federal Reserve system that have periodically updated their research into the successes and woes about the transition from the mobile homes of the 1950s into the early 1970s and then the shift to HUD regulated manufactured housing that was 'born' so to speak on June 15, 1976.

https://www.manufacturedhomepr...

7) As a note for reporters and researchers that will read this, there have been no 'mobile homes' built in the U.S. - as defined by federal and other laws - since 6.15.1976. Here is how the National Fire Protection Association (NFPA) put it. "A manufactured home is not a motor home or a trailer, and although it is often called a mobile home, it is not that either."

8) People - including the mainstream news media, public officials, and all others - should understand that trailer houses evolved into mobile homes and that mobile homes were transformed by federal regulations into manufactured housing (a.k.a.: manufactured homes).

In that first photo below, I'm standing in front of a 1939 Schult trailer house that has long been on display at the RV MH Hall of Fame in Elkhart, IN. When you look at that trailer I'm in front of and look at that CBS video above that has a clip from the 1940s, you will quickly see the similarities.

9) It is curious that people find old cars cool.

Millions find old houses cool too.

10) So why is it that so many people demean or diminish the value of older (but well maintained) trailers, old mobile homes, or older manufactured homes?

There are plenty of conventional site-built houses that have not been properly maintained that can look pretty rough. Going back to compassion and gray matter. People that have a rough looking house regardless of how it was built (in a factory or on site) may not have the skills, time, or money to fix them as they would like. Since when do we put people down for doing the best that they can do?
Which should we as a society prefer - people living in an older house (of whatever kind) that may not always be looking its best - or people living in tents, cardboard boxes, or vehicles on the streets, in the trees, under bridges, or along our highways? Because that is what it often comes down to - because of income and housing costs.

Again, hold those thoughts or dig into the various linked reports to learn more.

https://www.manufacturedhomepr...

11) Some years ago, I did an interview posted below with an award-winning realtor. Linda Hazelhoff's husband was at that time (we haven't stayed in touch, so I can't say what they do today) a conventional custom home builder. She said she was all in on manufactured housing. But see and hear her tell it in her own words yourself.

That video was produced while this writer was still a member of MHI. It raises a host of questions, but we'll hold those for a follow up on this article.

12) Richard "Dick" Jennison is the prior president and CEO of MHI. In 2014, during a video interview I was doing with him, Jennison oddly said on camera that the industry should grow slowly. I hid my shock, but later contacted his boss to get that corrected by Jennison.

At the next Louisville Manufactured Housing Show, Jennison did what I asked Tim Williams (former MHI chairman and still president and CEO of Berkshire Hathaway owned 21st Mortgage Corporation a sister company to Clayton Homes) to get MHI's CEO to do. Namely, correct the notion that manufactured housing should be stuck in low gear in terms of sales and production.

In front of dozens of manufactured home professionals that wanted to hear what Jennison had to say, and while our video cameras were recording, Jennison said that the manufactured home industry ought to have a goal of not only returning to its high of 1998, but that the industry should be aiming for 500,000. Note that half-a-million new homes a year goal was his number, not mine.

https://www.manufacturedhomepr...

https://www.manufacturedhomepr...

During that same talk, Jennison kindly (well, sort of) called this writer his "friend" and also said how "great" our publication is. See that video and more at this link below.

https://www.manufacturedhomepr...

There is an evidence-based case to be made that without millions of more manufactured homes that conventional builders can NEVER close the gap between the estimated 7.2 million affordable housing units needed according to the National Low Income Housing Coalition (NLIHC). Furthermore, the math linked here clearly suggests that taxpayers’ subsidies will never help close that gap either.

Let's note that MHI does have some nice pictures, nice videos, and nice looking documents on the public facing side of their website. That said, there is an array of information that MHI simply does not offer to the public. Yet they are supposed to be promoting manufactured housing. Feel free to check how many of the research documents shown in this article are found on the MHI website. Good luck.

So, what explains that behavior?

Why won't MHI publicly explain why the manufactured home industry never achieved the 500,000 new housing units that Jennison said was possible over a decade ago?

Why did MHI remove from their own website the name of another prior MHI president and CEO, Chris Stinebert. Stinebert said in 2004 that the industry was ready to recover to its late-1990s levels (often over 300,000 homes a year). But over 2 decades later, Stinebert's promise remains unfulfilled and his name has been removed from the MHI website, along with several other past presidents and vice presidents.

https://www.manufacturedhomepr...

13) What explains MHI's behavior in the 21st century?

This writer fed various AI platforms (Microsoft Bing's Copilot, Google's Gemini, xAI's Grok) with documents and evidence and then asked them to check online for anything from MHI or an MHI ally that directly contradicted that evidence. Here are some of those results. The annotations (arrows and logos, etc.) are by this writer for MHProNews. But the responses by AI are as shown with more details and context available at the links below each.

https://www.manufacturedhomepr...

Notice Copilot said MHI appears to be focused on consolidating the industry rather than driving growth.

Here is one of Gemini's responses. Again, annotation by MHProNews, and context can be found at the link below.

https://www.manufacturedhomepr...

I've previously shared here on the Patch what xAI's Grok had to say.

https://patch.com/florida/lake...

14) There are an array of possible implications and impacts (harmful to most, but in the minds of those involved, beneficial to them) from this pattern. We've asked MHI, its senior board members, and/or its attorneys to respond to these evidence-based concerns numerous times over a period of years.

If these often MHI linked firms are deliberately keeping the industry underperforming in order to keep new players out and to steadily wear down existing firms in a way that fosters consolidation into the hands of a relatively small number of firms that would be a potential antitrust and/or RICO violation. Note that dozens of firms out of what used to be an industry with over 20,000 retailers and over 300 production centers and an estimated 55,000 land-lease communities is a relatively small number.

15) Here is what Mark Weiss, J.D., President and CEO of MHARR had to say.

16) It isn't just Weiss or this writer that thinks that something has gone awry in manufactured housing that involves MHI. Doug Ryan said this.

While MHI's SVP Lesli Gooch has denied his charge, Doug Ryan (then CFED which since rebranded as Prosperity Now), are among those who've raised the issue of apparently monopolistic practices by MHI. See his context and the full 'debate' context in the report, linked here. https://www.manufacturedhomepr...

Note that MHI's CEO Gooch has her own troubled history, which MHI has not yet publicly addressed. Gooch was a failed candidate for Congress. The reasons were well publicized at that time in CA media and by other sources. Clearly the voters didn't like what they saw and heard. Let me admit that it never occurred to me to check Gooch's background until she was apparently 'caught' in a deception. It was only later that I began to dig into her history and found these and other items.

https://www.manufacturedhomepr...

https://www.manufacturedhomepr...

17) Lest someone think that politicians and lawmakers haven't taken notice of some of these issues as well as others involving manufactured housing. Keep in mind that the Democratic lawmakers cited below saw evidence of what they felt were antitrust violations too.

18) You don't have to be a Democrat or even an occasional Democratic supporter to take notice of what those lawmakers said to the Department of Justice and the Consumer Financial Protection Bureau (CFPB). See that in the document linked here. See still more at this link here.

19) In case you may wonder, what has mainstream media that span the left-right media divide had to say about some of these concerns? This writer provided some tips to Gemini which in turn checked those out and then generated this response. For the deeper context see the link below this screen capture that documents the Gemini response.

https://www.manufacturedhomepr...

20) In case you are wondering: 'well, maybe public officials looked into these things but found it wasn't that big a deal?' Keep in mind that some massive 21st century scandals that cost investors or taxpayers billions to trillions of dollars had numerous whistleblowers sound the alarm before action was finally taken.

https://patch.com/florida/lake...

In many cases, it was the persistence of a few - or even a single person - that finally brought those scams and scandals to their varied legal conclusions.

21) Note that in years gone by, MHI, their affiliated state associations, MHARR and others would routinely respond to inquiries by this writer for MHProNews in a timely or even swift fashion. A longtime MHI executive committee board member praised our efforts on behalf of manufactured housing and for our accurate reporting.

https://www.manufacturedhomepr...

There is a collection of dozens of interviews MHProNews did with MHI corporate and staff leaders, with MHARR and with public officials. Those interviews help document that MHI pivoted after we figured out what was occurring in manufactured housing.

Let me be clear. We didn't launch our trade publications with the notion that a big part of the problem in the affordable housing crisis would be within the manufactured housing industry itself. That was a slow and at times painful discovery.

Put differently, despite an array of legal and other threats by sources apparently connected with MHI following our initial (and in hindsight, relatively muted) concerns about MHI's staff leaders Dick Jennison or Lesli Gooch aimed at yours truly and/or our publications, those occurred after we called for their resignation or termination. This image below was uploaded on March 15, 2017.

Perhaps one reason that MHI or their corporate insiders have not yet actually sued over our reporting (they've threatened that multiple times) is because there is a body of documentary evidence that spans over a decade that include numerous words of praise for our work. Which is it? Where we great only so long as we thought their work was so useful and important? Were we fair and accurate only while we hadn't yet figured out how their game was being played?

Indeed, in hindsight, the question must be asked - and MHI leaders or their attorneys should it answer it. Why wasn't MHI doing some of the same things that our trade publications were doing? For example. Why didn't MHI create a collection of third-party research debunking the common myths and misconceptions about manufactured homes? Whose side where they on anyway?

22) That last question merits an evidence-based answer that has also been fact checked by artificial intelligence. As the 21st century grinded on, two of MHI's state association affiliates quit supporting them. Here is what Neal Haney said to explain their decision.

23) It wasn't just Haney and his colleagues that felt that MHI wasn't doing their job properly. Bob Crawford was the president of award-winning Dick Moore Housing. I invited him to be a panelist at the last Tunica Manufactured Housing Show our parent company was hired for to do the educational segment and event marketing.

https://www.manufacturedhomepr...

Note I personally invited MHI to be involved on that panel. They declined. I did not know in advance what Crawford was going to say. That session was video recorded, so I don't think MHI will deny the accuracy of those and other remarks.

24) MHARR and MHI worked together to get the Manufactured Housing Improvement Act of 2000 (a.k.a.: MHIA, MHIA 2000, 2000 Reform Act, 2000 Reform Law) passed. For the first few years following that law's widely bipartisan passage, MHI and MHARR worked together to see to it that it would get enforced. The following documents used to be found on the MHI website, but at last check, it is no longer available there and haven't been for some years.

The late MHI Vice President Bruce Savage is one of several past VP's whose name were scrubbed from the public side of the MHI website.

25) With those points in mind, who is MHI collaborating with in recent years? Why, the evidence is clear. They are working side by side with the competitors of manufactured housing, for example, the NAHB, NAR, and an array of housing nonprofits named in the report linked below.

https://www.manufacturedhomepr...

26) What did Copilot say about MHI's behavior? Let's look at an example from the report linked above. See the quotes from Copilot at the base of this illustration below.

https://www.manufacturedhomepr...

27) There is much more than can and should be said. But I want to give MHI's corporate and staff leaders - or their attorneys - an opportunity to publicly respond to these issues, because some of these could involve cases of criminal antitrust violations. Who said? Samuel Strommen, then with Knudson Law.

28) MHI has publicly responded to Doug Ryan, Lee Ohanian and James Schmitz Jr. That proves that they can do it when they want to do so. Will MHI publicly respond to the legal and ethical concerns raised and linked from this article about my journey into the sometimes-murky world of affordable manufactured housing?

29) There are many causes to the affordable housing crisis. We've reported on them and gathered documents and evidence about that crisis for over 15 years. It ought to be sobering that a multi-trillion dollar a year federal government has not properly enforced federal laws that were passed in 2000 and 2008.

That said, it ought to be a wake up call that the largest trade association in the manufactured housing industry is apparently part of the problem rather than part of the solution.

What would be their motivation?

In a word, "consolidation."

Several MHI members have made their desire for industry "consolidation" or "M&A" (mergers and acquisitions) which are key parts of several of their investor relations presentations from members who are on the MHI board of directors.

30) MHI can't have it both ways. They are not an 'almost' award winning set of professionals who somehow magically can't get existing federal laws enforced that routinely benefit their insider brands. Outsiders looking in that don't take the time to get into the weeds might buy this sort of cheap theatrics. But industry professionals who follow us by the tens of thousands know better.

https://www.manufacturedhomepr...

31) If MHI leaders can respond to these factual and evidence-based points that have been fact-checked by 3 different AI systems, let them do so. I'll gladly publish whatever they want to send me, or we can watch whatever they want to post on their own website or in a press release, however they want to proceed. I've offered to discuss or debate these issues publicly with them for approaching a decade and the evidence only mounts while they duck and pat each other on the back to make themselves look better.

All of us are walking history books, even if we don’t think about ourselves in that way.

That should be enough for today. Let's see what they will say or do, or if they will stick with their right to remain silent.

Other topics in the "Reality Check" series for this Patch follow. But this one involves my personal journey as well as my professional experience.

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USDA Expands Access to Manufactured Home Loans-Zero Down Loan Option

Manufactured Housing Institute oddly fails to report the news of this potentially useful option for millions who seek affordable home option---

Trump Battle on Giant China Trade Deficit-is it Smart? Is it Popular?

'Vast Majority of Americans Say China is a Threat to U.S. - Manzanita Miller Presents Recent Research on Importance of a China Trade Fix

Accused of Hypocrisy-Fair?

Senator Bernie Sanders himself said that Democrats drifted from being the party of the working man to embracing financial elites-the latest.

Manzanita Miller's Research Reveals "Bad News for Democrats in-2026"

Manzanita Miller's said "Independent Voters Tend To Predict Sweeping Midterm Election Victories And That Is Bad News For Democrats In 2026."

Real Estate and Conventional Housing Dips, Manufactured Housing Rising

“The single-family home building market is facing competing concerns" said NAHB Chief Economist Robert Dietz.

DHS to Pay Illegal Aliens to Self-Deport to Save U.S. Time and Money?!

Jacob Adams-"The Department of Homeland Security is offering to pay for illegal

First U.S.A-Born Pope Draws Praise From Trump, Dems and Others; BUT...

Pope Leo XIV-First Look at the new Pope from U.S.A./North America. Praise, Concerns, Prayers Needed and Wanted for Cardinal Robert Francis.

How Advocates Like Fran Quigley-Robert Reich Shape Housing Narratives

Expert & Copilot Intro: how Corporations-Associations-Nonprofits-Advocates Omit Key Affordable Housing-Manufactured Home Facts+HUD's Turner

‘Endemic Mismanagement of HUD Manufactured Housing Program’ Nom Turner

'Restoring and Expanding Affordable Housing Role of Manufactured Homes'–MHARR Letter Cites 2000 Reform Act, "Enhanced Preemption" Much More

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Real Estate and Conventional Housing Dips, Manufactured Housing Rising

“The single-family home building market is facing competing concerns" said NAHB Chief Economist Robert Dietz.

Danny Ghorbani-Seeking Alignment with Trump-Turner Vision and MHVille

"My heart is not to grow the amount of people on subsidies," said HUD Secretary E. Scott Turner in recent remarks on Affordable Housing.

David Dayen v Carrie Sheffield - Left/Right Views on NPR and PBS Cuts

Dayen says Trump looks 'Weak' for NPR/PBS Cut vs. Sheffield: 'Trump Rightly Defunded PBS-NPR History of Anti-Conservative Pro-Left Content'

DHS to Pay Illegal Aliens to Self-Deport to Save U.S. Time and Money?!

Jacob Adams-"The Department of Homeland Security is offering to pay for illegal aliens to return home to their native countries." Insight$

Robert Romano - After Trump’s First 100 Days, The Best Is Yet To Come

President Trump Promises as New Tax, Trade and Immigration Policies Take Hold the Joe Biden ‘Overhang’ Will Pass; Romano Presents Evidence.

Manufactured Home Groups Split in Transparency Amidst Housing Crisis

Blend of human expertise w/AI fact checks and commentary by Gemini, Copilot, and xAI's Grok help unpack causes-solutions to housing crisis.---

Electric Vehicles (EVs) Green? New and Prior Videos Spotlight Issues

Bethany Blankley: 'ICE Arrests Nearly 800 in Miami Florida Operation'

California’s Homeless Crisis Shows Need for Government Accountability

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Top Florida Senate Democrat Quits: 'Dem Party in Florida Is Dead'

ActBlue - Two Sides of a Looming U.S. Democrats vs. Republicans Drama

Big Tech Accused of Crime of Illegally Hiring Immigrants vs. Americans

MHARR-Housing Supply Framework Act Could Benefit New Home Production

Pope Francis dies at 88 - What is next for the global Catholic Church?

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Get Real Evidence for Jesus Christ, Easter & the Resurrection Miracle.

Dealmaker-In-Chief: Trump Given Room for Tariffs As Negotiation Tactic

American Dream of Homeownership is Slipping Away-Association Spotlight

Congressional Lawmakers "Monopoly Busters Caucus" to Fight High Costs

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Young Leaders' Faith Behrens on Gov. Ron DeSantis and Florida's Future

Congress Must Now Cut Taxes and Regulations plus Trump Tariff Insights

ESG Ruling Puts New Pressure on Public Pension Funds and BlackRock

Trump Team Secures Southwest Land Border-Lowest Encounters Since 2000

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Manufactured Housing Misses-Experts and Insiders Critique MHI Failures

Hybrid journalism blends human expertise and insights with AI backed fact checks: "Untapped Potential" "Action Over Apathy" Supplanting MHI

Real Reason Behind Left’s Freak-Out About the Department of Education?

Is There a Recession Ahead? John Carney's Fact-Packed Insight & Answer

---

Americans Mostly Support Trump On Deportation vs Activists Fighting it

Manzanita Miller unpacks new survey insight most 'Americans Side With Trump On Deportation—Not w/Activists Fighting For Illegals and Gangs.'

Lakeland Study Test Frank Rolfe Claim "Mobile Homes" Lower Prop Values

Hybrid Expert Human Study Combined with Multiple AI Powered Fact Checks plus 3rd Party Research Expose Disputed Claims in Critical Reporting

Manzanita Miller-Trump Tax Cut Helped Middle Class-Extension Welcomed

According to Manzanita Miller, the "Trump’s Tax Cuts Benefited The Middle-Class And That Is Why Extending Them Is Wildly Popular" LATK FEA--

New Manufactured Home Production Trend UP But Research Raises Concerns

Manufactured Housing Association for Regulatory Reform (MHARR) Released Jan 2025 data that reflects continued improvements since 2023 but...

VP Vance-Illegal Immigrants Squeeze U.S. Citizens from Home Ownership

Bill Wilson - "A Mistake From The Past That Can Be Avoided"

GROK Affordable Housing Crisis Thesis-‘This Ain’t Theory—it’s a Heist’

Fact Checks by Grok-Copilot-Gemini Point to Problems at Manufactured Housing Institute that help Explain 21st Century Manufactured Home Sales

---

Is Decline in Christianity in U.S. Over? Pew Research Suggests It Is

Numbers of Those Praying and Attending Religious Services or Mass Have Stabilized According to Recent Findings Including a Big New Pew Study

Feb 2025 sees Lowest Number of Border Crossings in Modern USA History

HUD Sec Scott Turner Tension with HUD Research v Local Zoning Barriers

GROK reports on "Most Comprehensive" article on Sec Turner's recent remarks to WMAL, CPAC, and on challenges to solve affordable housing.

Dems Fretting Over Billionaires Are on Billionaire Dole for Years

Audrey Streb-for DCNF and via Daily Signal: Democratic Officials that Criticized Wealthy Despite Taking Funding from Billionaires (Ouch!)

Rob Romano-Who Controls Foreign Policy? President Or District Courts?

'Sexual Deviants' in Federal Service to be Fired-per DNI Tulsi Gabbard

More on those and other topics in this eclectic "Reality Check" series here on this Patch.

Big Majority Approve DOGE-Plus Political Cartoons to Muse and Amuse

THE Reality Check-All of Us Have Been Manipulated & Lied to-E. Nickson

Dan Bongino to FBI - 'We’re About to See it All. It’s All Coming Out.'

Larry Elder on 'Supercharging the U.S. Economy' Using a Proven Method

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Democrats and GOP both 'Underwater' in New Poll-But Guess Which Leads?

By the Numbers - Evidence of Discrimination Against Believers in God

Employees! It is ‘Not Free Market Capitalism It’s Corporate Feudalism’

HUD Sec Turner-'Corporate Takeover of Housing—A Manufactured Crisis'

'Trump Is Leading a Historic Counterrevolution Against the Deep State'

Federal Racket-Follow the Money-Tammany Hall 2.0 and Big U.S. Media

U.S. Manufactured Home Industry Production 2024 Total Up per MHARR

(Note MHARR is short for the Manufactured Housing Association for Regulatory Reform.)

Scott Turner Confirmed Secretary of Housing and Urban Development-Official HUD+Manufactured Housing Association for Regulatory Reform (MHARR) News Releases; Manufactured Home Generational Wealth

> ‘Endemic Mismanagement of HUD Manufactured Housing Program’ Nom Turner

'Restoring and Expanding Affordable Housing Role of Manufactured Homes'–MHARR Letter Cites 2000 Reform Act, "Enhanced Preemption" Much More...https://patch.com/florida/lake...

> Big Govt, Big Pharma, Big Food made Americans Overweight and Unhealthy

> Virginia Bishop for ‘Well-Regulated Borders’ Amid VP J.D. Vance Rumble

> Romano-Trump Bans DEI In Federal Govt—States And Corporations Are Next

> How Republicans Should Follow Through on Tough Talk on Immigration

> NPR=87 Registered Democrats in Editorial Positions and No Republicans

> President Donald J. Trump’s Official 'America First Priorities'

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> Rubio Senate Replacement Ashley Moody (FL-R) Gets Key Assignments

> Trump Plan: Make America Safe, Affordable, Restore U.S. Values for All

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> Official Manufactured Housing Production from 1995-2023-Why it Matters

> Anna Paulina Luna (FL-R) and Barry Loudermilk (GA-R) MERIT Act Insight

> Executive Orders on Investigating Biden Censorship & Weaponization

> Floridian Dr István Dobozi Strikes at Trump Again in Magyar Article (Another critical analysis - fact check).

---

> Why do Liars Lie? Why do those Engaged in Paltering and Spin Palter?

> Controversy-Manufactured Housing Institute-Lesli Gooch-Mark Bowersox

> ‘Mobile Home Values Rising Faster Than Single-Family’ House-Wow Fact$

> Realtor-What Is a Manufactured Home? The Next Step Beyond Mobile Homes

> Orlando RE Agent Smith-Younger Adults Will Need $8500 Monthly for Rent

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> Rob Romano-Time To Declassify Everything, Or Another RussiaGate Ahead

> Contemporary Tips from Legend Paul Harvey-Surprising Rest of the Story

> Alert: Is Affordable Housing Linked Scandal at Champion Homes Brewing?

> Report: Biden-Harris Federal Agencies Spent Millions Torturing Cats

> Lesli Gooch Ph.D.-Award, Coverup, Headfake, Scandal? Rest of the Story (Manufactured Housing Institute linked)

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> ALG Unpacks Trump Pitch to Cut Drug Costs by Cutting PBM Middleman

> Is there Evidence that God Exists? Evolution vs. Intelligent Design

> Democratic Voters-Closer Look at Biden’s Acts Before Biden-Harris Exit

> Christian Leaders-Signs of 4th 'Great Awakening' Millions go to Jesus

> Attorney John Morgan - Democrat Megadonor on Kamala Harris Campaign

---

> USA Today - David Plouffe and Dem Advisers on Kamala Harris Revelation

> Majority OK Trump Transition-Mass Deportations-Tariffs- Is it Hopeful?

> Niskanen Center Praises Manufactured Home ‘Cost Savings’ and ‘Quality’

> Alice Carter-The Northern Forum-Deporting Immigrants & Housing Crisis

> Cartoons-Kamala Day 1, DOGE the Swamp, Brainwashing, & Out In the Cold

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> The Creepy Line-Peter Schweizer-Dr. Jordan Peterson-Dr. Robert Epstein

> Secret State Miniseries - Fictional TV Series Shed Light on Reality

> Trump Transition Team Asked to Prioritize Affordable Housing Issues

> Top 10 States for Homelessness & Top Cities for Crime=Shocking Lessons

> WashPost-American Dream Fades But Assoc CEO Mark Weiss Shows Solution

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> Blankley-Goodbye American Dream? Only 10% Polled Can Buy a House; But

> Frank Rolfe-Special Interests ‘Don’t Want to Solve Affordable Housing'

> TARK-‘I’m a Teen and Know the Solution to Affordable Housing Crisis’

---> Renting? Rent too High? Odds Are DOJ Suit vs RealPage Matters to You

> New-Certified “Half Price Homes” - Affordable Housing Solution Redux

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> Solution: “Would-Be Homebuyers Need 80% More Income Than 4 Years Ago”

NOTICE: this specific post above has a similar version published here, but each have unique features.

L. A. “Tony” Kovach is a publisher who has earned multiple awards in history. He and his family live in a manufactured home on private property in Winter Haven, FL. He is the co-founder of Manufactured Home Living News.com (MHLivingNews.com) and Manufactured Home Pro News.com (MHProNews.com), trade publications serving segments of the manufactured home industry. Having worked in several segments of the manufactured home industry for over 3 decades, Kovach is a widely acknowledged and often praised expert on manufactured housing. ###

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