ConsumerAlertGeminiBuffettStyleMoatsHarmAffordableHousingSeekersSomeCommunityResidentsClayton21stChampionHomesSKY-CavcoCVCO-ELS-SunCommunitiesMHI-LinkedCommunityOwnersMHLivingNews

Consumer Alerts! Gemini on ‘Are Warren Buffett Style Moats Harming Affordable Housing Seekers and some Community Residents?’ Clayton-21st-Champion (SKY)-Cavco (CVCO) MHI Linked Community Owners

This article for MHLivingNews is based upon the interaction with Google’s artificial intelligence (AI) powered Gemini found in the deeper dive report at this link here plus the document found here. That linked document is the record of the ‘chat’ or conversation between this primary writer and co-founder of MHLivingNews and MHProNews and the vast information resources available to a tool like Gemini. Gemini and typical AI systems have a disclosure.

Gemini’s on this date said: “Gemini can make mistakes, so double-check it.” After two years of using AI for specific purposes that are clearly labeled and shown for reader consideration, it can be as useful to question what a human said as it is what an AI response is.

Millions have come to question much of mainstream media for good reasons. It is because agendas can be slyly written into stories.

But if human expertise and AI’s potential to digest a lot of information quickly combined with its ability to apply objective thinking (i.e.: logic, reason, common sense), that offers a new style of journalism that xAI’s Grok suggested is a style of ‘hybrid journalism.’ The best of what AI can offer combined with the best of what human expertise can bring to readers.

What follows is such an article. AI powered Gemini was asked a series of questions that included information inputs for the AI to fact check. What is linked here is the start of that AI chat thread. What is linked here is the specific ‘consumer alert’ article as drafted by Gemini. What is provided below is a lightly edited version of what Gemini said. To compare what Gemini said and what is shown in this article, the document linked here can be read and compared to what follows. The items in italics are where human edits occurred. With that brief introduction, explanation, and disclosure is the following.

Note that it was Gemini that suggested the headline below (the one above is by this human writer). The quote image immediately below and what follows in Part II are reasons why Gemini may have made those suggestions.

 

https://www.manufacturedhomelivingnews.com/warren-buffetts-moat-per-kevin-clayton-ceo-clayton-homes-interview-transcript-video-affordable-housing-and-manufactured-homes/

 

Part I

Consumer Alert: Is Warren Buffett’s “Moat” Blocking Affordable Housing? Antitrust Concerns Grow in Manufactured Housing

For years, manufactured housing has been touted as a key solution to America’s affordable housing crisis. But a growing chorus of voices, backed by legal actions and expert analysis, suggests that anti-competitive practices and the strategic consolidation of the industry by a few dominant players – many affiliated with the Manufactured Housing Institute (MHI) – may be undermining this potential and harming consumers.

National Antitrust Lawsuits Emerge

In 2023, a series of national antitrust civil lawsuits were filed on behalf of residents against several manufactured home community consolidators. These lawsuits allege that these firms engaged in coordinated efforts to artificially inflate rents and suppress competition within land-lease communities, impacting the financial well-being of residents.

DOJ Targets RealPage: Manufactured Housing Links Surface

Adding fuel to these concerns, in 2024, the U.S. Department of Justice (DOJ) launched an antitrust action against RealPage, a software company that provides pricing algorithms to the rental housing industry. Disturbingly, evidence-based allegations within that case may have implications for Equity LifeStyle Properties (ELS), which owns Datacomp, a provider of data and analytics for manufactured housing communities. ELS is a prominent member of MHI, and Datacomp has strong ties to the industry. The DOJ’s action suggests a broader pattern of potential price-fixing and anti-competitive behavior within the rental housing market, which could extend into manufactured home communities.

Expert Concerns Highlight MHI Members’ Role

Industry experts and advocates have also raised significant antitrust concerns directly implicating major MHI members:

Warren Buffett’s “Moat” and Its Impact

The term “economic moat,” famously used by Warren Buffett to describe a company’s sustainable competitive advantage, takes on a concerning dimension within the manufactured housing context. Berkshire Hathaway (BRK) owns both Clayton Homes, the largest manufacturer, and 21st Mortgage Corporation, a dominant lender. Critics argue that this vertical integration, coupled with the alleged anti-competitive behaviors in land-lease communities (where ELS and other MHI members are major players), creates a “moat” that stifles competition and limits affordable housing options.

The lack of a robust national image campaign, despite the industry’s potential, further reinforces this concern. As previously discussed, the absence of a unified effort to promote manufactured housing suggests that the dominant players may prioritize market share and consolidation over organic industry growth that could benefit a wider range of consumers and businesses.

Harm to Renters and Community Residents

The consequences of these alleged anti-competitive practices are significant:

  • Limited Affordable Housing Options: The underperformance of the manufactured housing sector, potentially due to strategic limitations on growth and competition, restricts the availability of affordable homes for both renters and potential buyers.
  • Increased Rents in Land-Lease Communities: The alleged rent-fixing and lack of competitive pressure in consolidated land-lease communities directly harm residents, many of whom are on fixed incomes.
  • Reduced Homeownership Opportunities: The interconnectedness of manufacturing, lending, and community ownership controlled by a few major players may create barriers to homeownership for those seeking affordable options.

Consumers and policymakers should be aware of these growing concerns. The ongoing lawsuits, the DOJ’s action against RealPage, and the analyses from industry experts paint a concerning picture of potential anti-competitive behavior that may be hindering the very affordable housing solutions that manufactured homes could provide.

It is crucial for regulators and lawmakers to investigate these allegations thoroughly to ensure a fair and competitive market that benefits consumers and promotes access to affordable housing.

Sources

Manufactured Housing Institute

www.manufacturedhousing.org

Bipartisan Plan Includes Manufactured Housing as a Solution to the Housing Crisis

Bipartisan Plan Includes Manufactured Housing as a Solution to the Housing Crisis.

 

Hausfeld

www.hausfeld.com

DiCello Levitt, Hausfeld file significant lawsuit against corporate landlords over nationwide price fixing scheme affecting residents of manufactured homes

DiCello Levitt, Hausfeld file significant lawsuit against corporate landlords over nationwide price fixing scheme affecting residents of manufactured homes.

 

AP News

apnews.com

Lawsuit claims mobile home park managers conspired to fix and inflate lot rental prices

The lawsuit filed last week in federal court in Chicago claims the management companies bought up mobile home parks and used “competitively sensitive market …

 

Department of Justice

www.justice.gov

Justice Department Sues RealPage for Algorithmic Pricing Scheme that Harms Millions of American Renters

RealPage Inc., is a property management software company headquartered in Richardson, Texas. Updated February 6, 2025. Topic. Antitrust.

 

Patch

patch.com

Caution! Equity LifeStyle Properties Dweller-Investor-Biz-Legal Alerts | Lakeland, FL Patch

Caution and MHProNews third-party image logo added by L. A. “Tony” Kovach. ) According to their website, Equity LifeStyle Properties (ELS) operates multiple …

 

www.manufacturedhomepronews.com

‘Consolidation of Key MH Industry Sectors Ongoing/Growing Concern MHI Hasn’t Addressed Because Doing So Would Implicate Their Own Members’ plus Sunday Weekly MHVille Headlines Recap – MHProNews.com

Exposé-‘Consolidation of Key MH Industry Sectors Ongoing and Growing Concern MHI Hasn’t Addressed Because Doing So Would Implicate Their Own Members’ plus …

 

Patch

patch.com

Legacy Housing Q1 2025 Results Expose Industry & Regulatory Hurdles | Lakeland, FL Patch

MHProNews identifies zoning restrictions, regulatory inaction, and industry consolidation as key culprits, issues obscured by superficial analyses. Quiver AI’s …

 

Wikipedia

en.wikipedia.org

Clayton Homes – Wikipedia

Clayton Homes (or Clayton) is the largest builder of manufactured housing and modular homes in the United States. … It is a wholly owned subsidiary of Warren …

 

www.manufacturedhomepronews.com

Manufactured Housing’s “F Troop” Laughable ‘Reporting’ on Serious Issues by Subsidiary of Publicly Traded Equity LifeStyle Properties (ELS) Unpacking MHInsider State of the Industry-MHVille FEA – MHProNews.com

Flagship Communities and other prominent MHI members that are in the community sector have clearly stated that they want to consolidate a fragmented industry, …

www.manufacturedhomelivingnews.com

 

Part II

There is much more than has and could be said.

WarrenBuffettKevinClaytonPhotoQuoteWarrenBuffettVeryCompetitivePaintspictureMoatDeepenWidenMoatMakeItHardOnCompetititorsManufacturedHomeLivingNews
https://www.manufacturedhomelivingnews.com/warren-buffetts-moat-per-kevin-clayton-ceo-clayton-homes-interview-transcript-video-affordable-housing-and-manufactured-homes/

When you ‘keep out competitors’ by making it “difficult” for them, it isn’t just smaller businesses that are the losers. Consumers lose too.

Residents in land-lease communities that are often MHI members often suffer because of ‘predatory’ operators’ behavior.

Let’s note that MHLivingNews and MHProNews are ‘pro-manufactured housing’ but are opposed to predatory and apparently illegal behavior. We are manufactured homeowners ourselves.

For greater insights, surf this site and/or check out the deeper dive article involving Gemini found at this link here. The video below is also part of that more in depth linked report.

 

MobileAndManufacturedHomeLivingNewsMHLivingNewsUnpacksManufacturedHousingInstituteAnnouncementHUD_SecretaryScottTurner ToBeKeynoteSpeakerAt2025CongressExpoFEAMHLivingNews
https://www.manufacturedhomelivingnews.com/mobile-and-manufactured-home-living-news-mhlivingnews-unpacks-manufactured-housing-institute-announcement-hud-secretary-scott-turner-to-be-keynote-speaker-at-2025-congress-expo/

 

https://www.manufacturedhomelivingnews.com/top-10-states-for-homelessness-top-10-cities-for-crime-unfortunately-folks-this-bad-stuff-and-these-crises-are-going-to-get-worse-until-shocking-fact-based-lesso/
RevisitingPamelaBlumenthalAndReginaGrayHUD_EdgeReportOpportunitiesToIncreaseHousingProductionAndPreservationPlusStarParkerHUD_SecScottTurnerWithFactsAndMHVilleAnalysisMHLivingNews
https://www.manufacturedhomelivingnews.com/revisiting-pamela-blumenthal-and-regina-gray-hud-edge-report-opportunities-to-increase-housing-production-and-preservation-plus-star-parker-hud-sec-turner-with-facts-and-mhville-analysis/

 

EdwardJHusseyToBeClearMadamChairwomanThereIsNothingWrongWithThe2000LawTheManufacturedHousingImprovementActDoesntNeedToBeAmendedTheIssueIsImplementationByHUDMHLivingNews
https://www.manufacturedhomelivingnews.com/edward-hussey-to-be-clear-madam-chairwoman-there-is-nothing-wrong-with-the-2000-law-the-manufactured-housing-improvement-act-doesnt-need-to-be-amended-the-issue-is-implementation/
NBCRegionalLex18NewsSpectrum1NewsSpotlightLoganHanesKMHIModernManufacturedHomesPartAffordableHousingCrisisSolutionProsAndConsAnalysisOfNBCLex18VideoMHLivingNews
https://www.manufacturedhomelivingnews.com/nbc-regional-lex18-news-and-spectrum-1-news-both-spotlight-modern-manufactured-homes-as-part-of-affordable-housing-crisis-solution-pros-and-cons-analysis-of-nbc-lex18-video-report/

 

AllTheTruthAboutManufacturedHomesQuoteFactsComparisonsBetweenTrailerHousesMobileHomesManufacturedHomesConventionalHousingCEOMichaelPodolskyPhotoLATonyKovachPhotoPissedConsumerLogo
https://www.manufacturedhomelivingnews.com/all-the-truth-about-manufactured-homes-facts-comparisons-between-trailer-houses-mobile-homes-manufactured-homes-and-conventional-housing/

 

SaveTimeMoneyHasslesHowCanYouBuyManufacturedHomeWithoutEncounteringProblemsPissedConsumerLogoVideoInterviewLATonyKovachManufacturedHousingMHLivingNews
https://www.manufacturedhomelivingnews.com/saving-time-money-hassles-how-can-you-buy-a-manufactured-home-without-encountering-problems-pissed-consumer-video-interview-of-l-a-tony-kovach-on-manufactured-housing/

 

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MHLivingNews Note: depending on your browser or device, many images in this report can be clicked to expand. 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.

 

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https://www.manufacturedhomelivingnews.com/mharr-issues-urgent-call-to-action-by-president-elect-donald-j-trump-to-withdraw-and-repeal-doe-manufactured-home-energy-regulations-why-it-matters-to-affordable-housing-seekers/

 

IntroducingTARK-Im_a_TeenAndKnowTheSolutionToAffordableHousingCrisisTamasA.R.KovachLtColFrmrCongAllenWestRepAlGreenOfficeMHLivingNews
https://www.manufacturedhomelivingnews.com/introducing-tark-who-said-im-a-teen-and-know-the-solution-to-affordable-housing-crisis/

 

 

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https://www.manufacturedhomepronews.com/celebrating-15-years-serving-manufactured-housing-i-would-like-to-congratulate-tony-and-soheyla-kovach-on-the-15th-anniversary-of-mhpronews-and-former-hud-secretary-dr-ben-carson-i/

 

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Mobile Home and Manufactured Home Living News explores the good, bad, and ugly realities that keep the most proven form of affordable home ownership under-appreciated and misunderstood. MHLivingNews provides third-party research and other resource collections and reports not found on other sites. We also provide thought provoking analysis that are designed to open minds and hearts. This is the widely acknowledged best 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.

On our MHProNews sister-site and here on MHLivingNews, we lay out the facts and insights that others can’t or won’t do. That’s what makes our sister site and this location the runaway leaders for authentic information about affordable housing in general, the politics behind the problems, and manufactured homes specifically.

That’s a wrap on this installment of “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
All on Capitol Hill were welcoming and interested in the discussion of manufactured housing-related issues in our 12.3.2019 meetings. But Texas Congressman Al Green’s office was tremendous in their hospitality. Our son’s hand is on a package that included a copy of the Constitution of the United States and other goodies. MHProNews has worked with people and politicos across the left-right divide.

By L.A. “Tony” Kovach – for MHLivingNews.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

Recent and Related Reports:

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

 

 

 

 

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

 

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https://www.manufacturedhomelivingnews.com/democrats-republicans-agree-manufactured-homes-can-play-a-vital-role-in-easing-the-affordable-housing-shortage/

 

https://www.manufacturedhomepronews.com/masthead/trailers-trailer-parks-mobile-homes-and-associated-press-not-awarethis-request-about-manufactured-housing-before-how-did-manufactured-housin

 

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ManufacturedHousingProductionRisesInApril2024perManufacturedHousingAssociationButBottlenecksContinueAsMHARR_ExposesFederalOfficialsRoleInAffordableHousingCrisisMHLivingNewsIMGlogos

Manufactured Housing Production Rises in April 2024 per Manufactured Housing Association but Bottlenecks Continue as MHARR Exposes Federal Officials Role in Affordable Housing Crisis

The following is based on a news release from the Manufactured Housing Association for Regulatory …