Bias contributes to neglect of issues important to these households, which typically have low incomes and little wealth. Inattention has perpetuated bad bargains in financing, legal protection, quality, and appreciation. The personal property paradigm isolates manufactured housing from housing finance and contributes to depreciation. Research should identify factors contributing to appreciation, and mainstream mortgage lenders should enter the market to offer cheaper, more transparent financing. Education would help consumers navigate the marketplace. By incorporating manufactured housing into consumer-oriented, wealth-building developments, nonprofits could take the lead in offering buyers real value, not just low price.
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