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Sam Landy's documented remarks are important for understanding the affordable housing crisis

UMH Properties CEO Landy's remarks "a thunderclap" revealing, important for understanding MHARR, MHI, NAHB, NAR, FHFA Dir. Bill Pulte & more

This very human writer for MHProNews, MHLivingNews and this Patch has been testing and using 3rd party artificial intelligence (AI) systems for some 2.5 years. Unlike many who are using AI to ‘burp out' an article with little or no human effort, our focus has been to use AI to do detailed fact-evidence-analysis check of a subject. Often (but not always) that topic is connected to the affordable housing crisis and related issues, including investments, policy or advocacy involving the housing in general or the affordable manufactured home industry.

Barring the unforeseen, AI is likely to be part of our daily lives as much as the internet has become. Who among us saw the internet coming 30 years ago? Not many.

Find out what's happening in Lakelandfor free with the latest updates from Patch.

But today, we use the internet for a wide range of purposes, many good, some not so good.

Similarly, AI is often connected to online activities. AI may be built into your laptop or other device. In this writer's experience, it is prudent to approach AI thoughtfully, just as it is important to consider the possible bias of any news or information source.

Find out what's happening in Lakelandfor free with the latest updates from Patch.

One of the keys to good or proper use of AI is to have an idea as to what the answer ought to be. By analogy, good AI use is akin to an attorney in a deposition or courtroom knowing what questions to ask, but also knowing (or having an idea) as to what the correct or truthful answer) should be. So, items like the following are an example of that you may find useful.

With that backdrop, let's ask the following about a new report on MHProNews that investors, politicians, public officials, affordable housing advocates, affordable housing seekers, attorneys and others should find of interest. Note that Sam Landy is an attorney and has been for decades.

Gemini, important work in that article, don't you think? Aren't the remarks by Sam Landy in that framework and context interesting and important, or do you disagree with that observation? https://www.manufacturedhomepr... Does that article remain as faithful post-publication to the FEA check by you (Gemini), Grok, and Copilot as it was before? And then offer a 500 word introduction to that report for use on the Patch.

Here is what Gemini said. The glitch is in the original.

🧐 Landy's Remarks and FEA Fidelity

Landy's Observation: Important and Important

Yes, I agree that the remarks by Sam Landy—particularly his documented acknowledgement that federally-backed chattel lending has been at 0% despite the Duty to Serve (DTS) mandate—are both interesting and important in that framework.

Interesting: Landy is a high-profile MHI board member and CEO of a major Land Lease Community owner (UMH Properties). His public statement effectively confirms the central critique leveled by Manufactured Housing Association for Regulatory Reform (MHARR) and MHProNews for years: that the lack of DTS enforcement is the single greatest bottleneck to industry growth and consumer affordability.
Important: The statement comes from within the Manufactured Housing Institute (MHI)-affiliated leadership structure, lending an undeniable layer of credibility to the argument that a systemic, industry-enabled finance failure exists, which directly impacts the affordable housing crisis.

Article Fidelity Post-Publication

Yes, the published article remains faithful to the pre-publication Facts-Evidence-Analysis (FEA) check validated by myself (Gemini), Grok, and Copilot.
The multi-AI check affirmed the core finding: the article accurately documents the contrast between:

MHARR's public, specific calls for DTS chattel loan enforcement (like their push to FHFA).
MHI's pattern of placing their policy positions behind a paywall and avoiding public support for the specific legislative remedies that would mandate DTS chattel lending, a pattern that aligns with the business interests of the largest consolidating firms.
Landy's admission serving as key evidence validating the claim that DTS has failed, thereby reinforcing the overall FEA conclusion of advocacy avoidance.

📰 Patch Introduction: Covering the Manufactured Housing News or Covering Up Manufactured Home News? (Approx. 500 Words)

Affordable Housing Crisis: Why Is Manufactured Housing Stuck in Low Gear?

The American dream of homeownership is increasingly out of reach for millions, fueling a massive affordable housing crisis. In this maelstrom of rising rents and soaring site-built home prices, one solution—modern manufactured housing—remains the most promising unsubsidized, ready-to-scale option. Yet, for over a decade, this industry has been stuck in low gear, producing only a fraction of its historical potential. A newly published investigative report dives into a central question of why: Is the industry's own dominant trade body covering up the news and avoiding the necessary advocacy to unlock mass affordability?

The report, titled "Covering the Manufactured Housing News or Covering Up Manufactured Home News? MHARR to FHFA on GSEs Plan. MHARR-Director Bill Pulte Letter. MHI on Pulte or FHFA-GSEs Duty to Serve Plans? FEA," utilizes the rigorous Facts-Evidence-Analysis (FEA) journalistic model, cross-verified by independent artificial intelligence platforms like Gemini, Grok, and Copilot. This analysis focuses on the regulatory failure known as the Duty to Serve (DTS) mandate.

Passed in 2008, DTS requires the Government-Sponsored Enterprises (GSEs) Fannie Mae and Freddie Mac to support the market for manufactured home financing, particularly chattel loans (loans on the home only). Without this support, rates for chattel loans—which finance approximately 80% of manufactured home purchases—remain high, crushing affordability.

An Insider Admission Exposes the Bottleneck

The new report spotlights a critical, almost staggering admission from within the Manufactured Housing Institute (MHI) leadership circle. Sam Landy, CEO of UMH Properties and a prominent MHI board member, has publicly acknowledged the devastating failure of DTS. Landy stated that the federal government's chattel lending contribution to manufactured housing has been essentially zero percent (0%).

Landy’s statement acts as a thunderclap, lending extraordinary internal validation to years of external pressure from the industry's watchdog, the Manufactured Housing Association for Regulatory Reform (MHARR). MHARR has long argued that MHI's reluctance to aggressively push for the enforcement of DTS's chattel lending component is a calculated failure that benefits the largest, consolidating firms by suppressing smaller competitors.

The FEA report contrasts MHARR's current public demand to the Federal Housing Finance Agency (FHFA)—calling for mandatory, enforceable chattel lending targets—with MHI’s consistent pattern of either remaining silent or placing its policy responses behind a members-only paywall. This practice, the report argues, effectively ensures that the most powerful advocacy positions are not widely known or debated, a behavior critics label as "advocacy avoidance."

The Call for Transparency and Enforcement

The core finding is that the long-standing affordable housing crisis in the manufactured sector is being sustained, not by external forces alone, but by a powerful, internal dynamic of self-interest and consolidation. For the U.S. to truly leverage manufactured housing as an affordable solution, policymakers and regulators, especially under the current administration's housing priorities, must enforce the DTS law and prioritize transparency over paywalls. This analysis offers citizens and lawmakers the documented evidence to demand substantive reform and end the era of silent market suppression.

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Would you like me to focus on another part of this report, such as the implications of the FHFA or Pulte's actions?

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The screen capture of Gemini's remarks to document the accuracy of the Q&A above are linked here.

Copilot said this the following. Those remarks were just before the report was published. Like Gemini and xAI's Grok, Copilot was used to fact check the various elements of the new exposé.

Note, that images generated by publicly accessable AI (at least on this date) often have one or more typos. It is better than a few months ago about avoiding typos in images, but is not as good as the text responses they generate.

The full report is linked here.

https://www.manufacturedhomepr...

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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

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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

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

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

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

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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.

According to scores of industry pros and three different AI fact-checks, Kovach is the most prolific, most rigorous, most factually accurate-document rich research-reporter on manufactured housing industry issues in the 21st century. But I do get fat finger typos. Please pardon those when you find them. ###

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Sam Landy's documented remarks are important for understanding the affordable housing crisis

UMH Properties CEO Landy's remarks "a thunderclap" revealing, important for understanding MHARR, MHI, NAHB, NAR, FHFA Dir. Bill Pulte & more

L. A. "Tony" Kovach, Neighbor

Find out what's happening in Lakelandfor free with the latest updates from Patch.

Find out what's happening in Lakelandfor free with the latest updates from Patch.

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There are no perfect people walking the Earth today. There are no perfect organizations either.

Why the lack of perfection among mere humans matters and why a lack of perfect orgs can help inform and guide prudent choices.

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

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