According to Forbes “Housing Market Forecast 2025-26: Interest Rates Keep Construction Flat.” That right-leaning Forbes report via left-leaning MSN’s news crawler said: “Little change in interest rates mean that construction will be generally level…” From the news-financial news site, ZeroHedge, is the headline item which said: “Goldman’s Housing Heat Map Shows “Tepid Start To Selling Season.” The US housing market is off to a sluggish start, with single family permits growing at a slower pace (+6% YoY in January [2025] vs. +8% in December [2024]. Increasing inventory in some regions is creating challenges for homebuilders, prompting them to moderate housing starts, but the recent plunge in mortgage rates offers some hope…” But according to Cryptopolitan on 3.8.2025: “Michael Saylor walked into the White House crypto summit on Friday with a document in hand and a number no one in the room could ignore: $60-100 trillion. That’s how much wealth the U.S. could generate over the next decade if it fully embraces Bitcoin, according to the billionaire chairman of Strategy.” Be that claim by Saylor as it may, per left-leaning Wikipedia: “Michael J. Saylor (born February 4, 1965) is an American entrepreneur and business executive. He is the executive chairman and co-founder of MicroStrategy, a company that provides business intelligence, mobile software, and cloud-based services.” Wikipedia has more to say: “Saylor has received several awards and recognition throughout his career. In 1996, he was named KPMG High Tech Entrepreneur of the Year.[4] His leadership at MicroStrategy earned him a spot-on Ernst & Young’s Entrepreneur of the Year list in 1997.[35]” But Saylor has had multiple legal encounters with federal agencies, more on that plus some of his remarks in the White House Crypto Summit in Part III. To say that President Donald J. Trump is breaking the mold on several conventions in politics and the presidency is to say something that both his supporters and opponents may agree on, but each for different – and sometimes the same – reasons. It isn’t just politics that is changing. The economy is changing too.
A would-be assassin’s bullet hit Trump’s ear last summer in Butler, PA. As a result “45-47″ thanks God and says he believes God spared his life for a reason. President Trump in his second term (a.k.a. T2) promised a Golden Age for America. That full Golden Age inaugural address is linked here. Via DOGE, Trump seems intent on a radical shake up of the federal bureaucracy cutting government waste, fraud, abuse, corruption, duplication, and weaponization.
Democrats, Never Trumpers, and thus struck by what some have called “Trump Derangement Syndrome” (TDS) at various times seem to take the opposite side of whatever it is he is pushing for, even when some of those purported TDS sufferers are one time “conservatives.” For instance, William “Bill” Kristol long deemed by some as a conservative icon who is nevertheless a “never Trumper.” Kristol recently came out and defended transgenders in the face of several Trump Administration steps to root out “wokeism” and DEI from the federal government, plus asserted violations of Title IX rights of women by allowing biological males in women’s sports. During the 2024 campaign, former George W. Bush 43 (R) era Vice President Richard “Dick Cheney” (R) openly endorsed Kamala Harris (D), as did Cheney’s former WY Congresswoman Liz Cheney (R), who was part of the Democratic Party dominated J6 committee. Per left-leaning Wikipedia: “In October 2009, Liz Cheney, William Kristol, and Deborah Burlingame launched, as board members, the nonprofit 501(c)(4) organization Keep America Safe. The group’s stated purpose is to “provide information for concerned Americans about critical national security issues”.[51]” Dick Cheney is said to have been a strong voice in the Bush-Cheney term in pressing the case for a U.S. invasion of Iraq and Afghanistan, which scores of Democrats supported at the time, but which has since been denounced by scores more. To say that politics makes for strange bedfellows is an understatement. For those who want to learn more about the evidence of media manipulation of the narrative that propelled the U.S. into roughly 2 decades of warfare, the Shadows of Liberty docu-drama goes into that topic in an award-winning fashion.
Back to Liz Cheney, per Wikipedia: “Trump supporters were angered by Cheney’s vote to impeach.” “On February 6 [2021], the Wyoming Republican Party censured Cheney for her vote to impeach Trump.[105]” “On November 13, 2021, the Wyoming GOP Central Committee voted 31–29 to no longer recognize Cheney as a member of the party.” “Cheney has described herself as a conservative Republican.[138]” “Cheney has several times been described as “Republican royalty”.[141][142]” Note that last claim should place her in the mind’s of thinking souls a an “Establishment” Republican. Back to Wikipedia on Cheney.
“According to Mother Jones, Cheney insists “that one of the main lies of the Bush-Cheney fraudulent case for war—that there had been a significant connection between al-Qaeda and Iraq—was true.”[172] New York Times columnist Maureen Dowd has commented that Cheney used “her patronage perch in the State Department during the Bush-Cheney years … [and] bolstered her father’s trumped-up case for an invasion of Iraq” while cheering “on her dad as he spread fear, propaganda and warped intelligence”.[173]
Also, per Wikipedia.
“On September 4, 2024, Liz Cheney announced at Duke University that she is supporting Kamala Harris for president. “And as a conservative, as someone who believes in and cares about the Constitution, I have thought deeply about this, and because of the danger that Donald Trump poses, not only am I not voting for Donald Trump, but I will be voting for Kamala Harris” she said. On September 6, 2024, her father Dick Cheney announced that he is supporting Kamala Harris and the Democratic ticket for president of the United States and that Trump is a “threat to our republic” and a “coward” and that “he tried to steal the last election using lies and violence to keep himself in power after the voters had rejected him.” In response, Donald Trump texted on his Trump Social platform that “Dick Cheney is an irrelevant RINO, along with his daughter”.[211][212]
This is just one glimpse into a battle for not only the Republican Party, but for what liberal former attorney turned celebrated journalist Glenn Greenwald deemed a new alignment in American politics. That alignment is not left vs. right, said Greenwald. It is rather those who are pro-Establishment, meaning those who favor the modern version of the Robber Barron and Gilded Age era. It’s now “Anti-Establishment versus Pro-Establishment” said Greenwald. That may explain why Trump was able to attract lifelong Democrats Robert F. Kennedy Jr. to his cause in 2024, along with longtime Democrat and former DNC official Tulsi Gabbard, both of who (RFK Jr and Gabbard) are now serving in important roles in the T2 Administration. A realignment is underway, the contours of which won’t be fully known until Trump has left office and his successor at the head of the MAGA/America First movement emerges.
The truth and reality are discernable, but sometimes it takes a careful look to see how the puzzle pieces may actually fit together. As one more aside before pressing onto the headline topics in Part I, II, and III, note that this writer for MHProNews recently posted some articles related to these background issues on the mainstream Patch “Realty Check” series of eclectic topics at the links below.
Note that longtime leftist Elizabeth Nickson was deeply into left-leaning media as a journalist, editor, and more. Nickson’s ‘awakening’ was described in an article by and about her journey like this.
Elizabeth Nickson’s story has all the makings of a Hollywood bio pic: A Westmount exile, who rebels against power and privilege, becomes a globe-trotting leftist journalist chronicling the great revolutionary narratives of her time. Then she sets out to discover the awful truth about her patriarchal 400-year-old colonist clan and everything changes. But Hollywood won’t touch her script because what she finds are eternal truths, about love, charity, sacrifice, Christianity and genuine freedom.
More on that in the report that goes into Nickson’s insights plus a related analysis linked here.
The ‘reality’ that many if not most of us were taught by media and/or academia may not always be quite as real as some may think.
And the claims by Trump of a Golden Age for America, still developing just 6 weeks into his second and non-consecutive term in office is causing a redefining of many ‘beliefs’ held by people from what was the Democratic and Republican Parties before Trump stormed onto the stage in the summer of 2015 to begin remaking American politics, and perhaps, the American economy too.
With that backdrop, the first of three parts related to the headline topics.
Part I – Insights from Forbes plus Goldman via Zero Hedge
1) Here is the Goldman “heat map” from Zero Hedge.
2) Back to the report from Forbes, a few pull quotes and an opportunity to show an instance when Frank Rolfe’s claim found in this article linked here was proven correct.
The housing industry will be disappointed by interest rates remaining near current levels…With that assumption, construction will be generally level, home prices will rise moderately and rents will edge upward. The overall economy won’t hurt the housing market, but neither will the economy provide the strong rebound many in the industry have been hoping for.
3) Forbes’ Bill Conerly said this.
When income[s] are high and apartment rents are low, adult offspring move out of their parents’ homes and others who had been sharing space ditch their roommates. The opposite happens when inflation-adjusted incomes fall with rising housing costs. Thus we have no fixed relationship between population and housing needs.
4) Dr. Conerly also wrote the following.
Home price appreciation continues, but at the low pre-pandemic pace. Single-family housing starts have dropped. The outlook remains stable, with about five percent appreciation and about one million starts this year. Not much will change until interest rates change significantly, which does not look likely this year.
Looking farther into the future, the low-rate mortgages originated in the early 2020s will last for decades, causing low mobility. Move-up home buying will be abnormally low, making first-time home-buying difficult. Young families will accommodate by living in apartments longer before buying a house.
Multifamily Housing
Multifamily housing will also feel pandemic-era effects for years to come. 2020 and early 2021 saw three rounds of stimulus checks sent to most households. Although the unemployment rate soared, unemployment insurance benefits were more generous. And those who kept working spent less because restaurants, resorts and many stores were closed. As a result, many people had the money to live alone. They moved out of their parents’ basements or looked for lodging without roommates.
But there is no mention of HUD Code manufactured homes, for more insights on Rolfe’s remarks on that common failure to mention manufactured housing by mainstream media, see the report linked here.
Part II – How much is needed to earn support a family of four by state, per sources as shown.
1) ZeroHedge is a source that is often useful. But in this next case, perhaps, not so much. The following is a recent post on ZeroHedge – dated Sunday, Jan 26, 2025 – but it immediately struck this writer for MHProNews as being ‘too high.’ Thus compare this to the list that follows it from CNBC last summer.
Methodology: GOBankingRates analyzed 2023 Consumer Expenditure Survey data from the Bureau of Labor Statistics to estimate annual living expenses for a family of four across all 50 states. Costs included housing, groceries, utilities, healthcare, and transportation.
Hawaii and Massachusetts at the Top
A six-figure household income is required to raise a family of four in 26 states.
High taxes, strict land-use rules, and shipping costs make Hawaii the priciest state for families. The state is followed by Massachusetts and California at the top of the list.
| Rank | State | Salary Needed |
|---|---|---|
| 1 | Hawaii | $259K |
| 2 | Massachusetts | $200K |
| 3 | California | $188K |
| 4 | New York | $156K |
| 5 | Alaska | $137K |
| 6 | Maine | $136K |
| 7 | New Jersey | $135K |
| 8 | Vermont | $132K |
| 9 | Oregon | $132K |
| 10 | Arizona | $131K |
| 11 | Washington | $131K |
| 12 | Utah | $128K |
| 13 | Connecticut | $127K |
| 14 | New Hampshire | $124K |
| 15 | Rhode Island | $123K |
| 16 | Nevada | $113K |
| 17 | Colorado | $113K |
| 18 | Florida | $112K |
| 19 | Virginia | $111K |
| 20 | Idaho | $107K |
| 21 | Wisconsin | $107K |
| 22 | Delaware | $107K |
| 23 | North Carolina | $105K |
| 24 | Wyoming | $101K |
| 25 | Illinois | $100K |
| 26 | South Dakota | $100K |
| 27 | Ohio | $99K |
| 28 | Maryland | $99K |
| 29 | Pennsylvania | $98K |
| 30 | South Carolina | $98K |
| 31 | Montana | $97K |
| 32 | Minnesota | $97K |
| 33 | New Mexico | $96K |
| 34 | Texas | $96K |
| 35 | Louisiana | $95K |
| 36 | North Dakota | $95K |
| 37 | Georgia | $95K |
| 38 | Nebraska | $94K |
| 39 | Michigan | $94K |
| 40 | Indiana | $94K |
| 41 | Kentucky | $93K |
| 42 | Tennessee | $92K |
| 43 | Missouri | $92K |
| 44 | Iowa | $92K |
| 45 | Oklahoma | $91K |
| 46 | Arkansas | $88K |
| 47 | Kansas | $88K |
| 48 | Alabama | $88K |
| 49 | Mississippi | $88K |
| 50 | West Virginia | $82K |
At the bottom, West Virginia, Alabama, and Mississippi are the cheapest states to raise a family. In comparison, a family in Hawaii ($259,000) needs to earn more than three times what a family in West Virginia ($82,000) needs to raise a family of four.
##
2) Per CNBC on June 20 2024. Note there is at least one point of agreement, but several points of disagreement. The one above from Visual Capitalist’s Bruno Venditti is said to be based on GoBankingRates info.
These are the most expensive states in terms of basic costs for a family of four, based on how much you’d need to earn to make ends meet:
- Massachusetts: $150,578
- Hawaii: $147,319
- Connecticut: $139,924
- New York: $139,504
- California: $138,357
At $88,895 annually, it costs the least to cover basic needs in Mississippi.
Here’s a look at the minimum amount a family of four would need to cover basic needs, including child care, in each state.
Alabama
- Annual income needed for a family of four: $96,805
Alaska
- Annual income needed for a family of four: $121,295
Arizona
- Annual income needed for a family of four: $115,314
Arkansas
- Annual income needed for a family of four: $90,394
California
- Annual income needed for a family of four: $138,357
Colorado
- Annual income needed for a family of four: $132,486
Connecticut
- Annual income needed for a family of four: $139,924
Delaware
- Annual income needed for a family of four: $114,467
Florida
- Annual income needed for a family of four: $104,524
Georgia
- Annual income needed for a family of four: $106,414
Hawaii
- Annual income needed for a family of four: $147,319
Idaho
- Annual income needed for a family of four: $105,611
Illinois
- Annual income needed for a family of four: $115,961
Indiana
- Annual income needed for a family of four: $102,985
Iowa
- Annual income needed for a family of four: $105,698
Kansas
- Annual income needed for a family of four: $98,369
Kentucky
- Annual income needed for a family of four: $95,043
Louisiana
- Annual income needed for a family of four: $94,791
Maine
- Annual income needed for a family of four: $114,784
Maryland
- Annual income needed for a family of four: $119,720
Massachusetts
- Annual income needed for a family of four: $150,578
Michigan
- Annual income needed for a family of four: $107,249
Minnesota
- Annual income needed for a family of four: $122,387
Mississippi
- Annual income needed for a family of four: $88,895
Missouri
- Annual income needed for a family of four: $101,142
Montana
- Annual income needed for a family of four: $105,689
Nebraska
- Annual income needed for a family of four: $106,557
Nevada
- Annual income needed for a family of four: $118,649
New Hampshire
- Annual income needed for a family of four: $122,072
New Jersey
- Annual income needed for a family of four: $125,609
New Mexico
- Annual income needed for a family of four: $101,959
New York
- Annual income needed for a family of four: $139,504
North Carolina
- Annual income needed for a family of four: $104,684
North Dakota
- Annual income needed for a family of four: $101,085
Ohio
- Annual income needed for a family of four: $104,658
Oklahoma
- Annual income needed for a family of four: $97,073
Oregon
- Annual income needed for a family of four: $128,652
Pennsylvania
- Annual income needed for a family of four: $115,218
Rhode Island
- Annual income needed for a family of four: $124,649
South Carolina
- Annual income needed for a family of four: $100,368
South Dakota
- Annual income needed for a family of four: $96,286
Tennessee
- Annual income needed for a family of four: $97,867
Texas
- Annual income needed for a family of four: $100,689
Utah
- Annual income needed for a family of four: $109,231
Vermont
- Annual income needed for a family of four: $124,190
Virginia
- Annual income needed for a family of four: $117,618
Washington
- Annual income needed for a family of four: $128,730
West Virginia
- Annual income needed for a family of four: $94,672
Wisconsin
- Annual income needed for a family of four: $112,529
Wyoming
- Annual income needed for a family of four: $101,693
3) There are several takeaways from this exercise. While some of that data might be useful, the fact that two ‘reliable’ sources produced several times quite different information and claims ought to be a reminder that misinformation is regrettably all too common and may not always be due to a deliberate agenda. By the way, those stark differences in the above are among the reasons why good media should consistently cite their sources, because a source may be partially or even completely wrong.
Part III – Additional Information with More MHProNews Analysis and Commentary
In no particular order of importance are the following added insights, disclosures, and observations. Let’s note that this writer has no stake in crypto, but someone I know personally does and has reportedly done quite well in it, despite some ups and downs.
1) More about Saylor, from left-leaning Wikipedia.
SEC investigation
In March 2000, the U.S. Securities and Exchange Commission (SEC) brought charges against Saylor and two other MicroStrategy executives for the company’s inaccurate reporting of financial results for the preceding two years.[36] In December 2000, Saylor settled with the SEC without admitting wrongdoing by paying $350,000 in penalties and a personal disgorgement of $8.3 million.[37][38][39] As a result of the restatement of results, the company’s stock declined in value and Saylor’s net worth fell by $6 billion.[40][41]
District of Columbia tax fraud lawsuit
On August 31, 2022, the Attorney General for the District of Columbia sued Saylor for tax fraud, accusing him of illegally avoiding more than $25 million in D.C. taxes by pretending to be a resident of other jurisdictions during the years 2005 to 2021. He initially claimed he resided in Virginia during the period, then later claimed that he resided in Florida.[42] MicroStrategy was accused of collaborating with Saylor to facilitate his tax evasion by misreporting his residential address to local and federal tax authorities and failing to withhold D.C. taxes.[43] Saylor issued a statement saying: “I respectfully disagree with the position of the District of Columbia and look forward to a fair resolution in the courts.”[44] In June 2024, Saylor settled the tax dispute by agreeing to pay a $40 million fine.[42]
2) According to Forbes.
Michael Saylor founded business analytics software firm MicroStrategy and ran it as CEO until early August 2022, when he moved into the chairman’s role. One of the best-known executives…
3) According to Fortune on Feb 5, 2025.
Michael Saylor’s MicroStrategy rebranded to Strategy on Wednesday ahead of its fourth-quarter earnings report.
4) According to his website.
Michael Saylor is the Executive Chairman of Strategy (MSTR), a publicly traded business intelligence firm & holder of ₿499,096 that he founded in 1989.
5) According to Yahoo on Feb 6, 2025.
MicroStrategy, the veteran software company known for betting billions on Bitcoin, is reinventing itself to better reflect its pivot to crypto.
6)
“Welcome to the first-ever White House Digital Asset Summit. Last year, I promised to make America the Bitcoin superpower of the world, AND WE’RE TAKING HISTORIC ACTION TO DELIVER ON THAT PROMISE.” –President Donald J. Trump 🇺🇸 pic.twitter.com/nqUrHQ1xLl
— President Donald J. Trump (@POTUS) March 8, 2025
JUST IN: 🇺🇸 Michael Saylor advised President Trump to acquire 5-25% of the entire #Bitcoin supply at the White House Summit today 🔥 pic.twitter.com/D7n0nkRl4I
— Swan (@Swan) March 7, 2025
I shared this today at the White House Digital Assets Summit. https://t.co/cmOXdDC9pd
— Michael Saylor⚡️ (@saylor) March 7, 2025
The Right Digital Asset Policy is a $100 Trillion Opportunity for the U.S. pic.twitter.com/DTzATMIY8R
— Michael Saylor⚡️ (@saylor) March 3, 2025
BREAKING: Saylor drafts a “Digital Assets Framework” for 🇺🇸 Trump, outlining key terms and a strategic digital asset policy aimed at strengthening the dollar and positioning the US as a global leader in the digital economy 🔥 pic.twitter.com/lbwOC9pP2o
— Swan (@Swan) December 20, 2024
Tweet 1/4
🚨 BREAKING: President Donald J. Trump signed an Executive Order on 03/07/2025 to establish a Strategic Bitcoin Reserve and a U.S. Digital Asset Stockpile, positioning the USA as a leader in digital asset strategy. #Bitcoin #DigitalAssets #WhiteHouse pic.twitter.com/grbqGcDV7g— kokaboka (@0xkoka) March 7, 2025
Trump: “My Executive Order on Digital Assets directed the Presidential Working Group to move forward on a Crypto Strategic Reserve that includes $XRP, $SOL, and $ADA. I will make sure the U.S. is the Crypto Capital of the World. We are MAKING AMERICA GREAT AGAIN!” pic.twitter.com/9IS3cA2nBM
— Leonidas (@LeoHadjiloizou) March 2, 2025
🇺🇸 Michael Saylor, MicroStrategy chairman, has offered to advise President-elect Donald Trump on #Bitcoin policy, signaling a potential shift towards embracing digital assets in U.S. government strategy. This move could redefine national crypto policies. 🔥🚀 pic.twitter.com/buYMCOJbaM
— CryptoMarketControl (@CryptoMarketCon) January 2, 2025
President Donald Trump signed an Executive Order establishing the Strategic Bitcoin Reserve and U.S. Digital Asset Stockpile, directing the Treasury and Commerce Departments to create a budget-neutral strategy for acquiring bitcoin and other cryptocurrencies like ether, XRP,… pic.twitter.com/MbzpWkUc09
— nate (@nsnipes) March 7, 2025
From the left and right there is a stir over this U.S. digital assets strategy.
7) Fannie Mae, among others, has developed policies on this topic.
B3-4.1-04, Virtual Currency (05/04/2022)
This topic contains information on the use of virtual currency, such as cryptocurrencies, as part of the asset assessment process.
Can crypto currency be used as a source of funds for down payment or closing costs?
Mar 1, 2022 · By statute, the two enterprises are required to serve three specified underserved markets — manufactured housing, affordable housing preservation, and rural housing…
DISCLAIMER: The views and opinions expressed in this video are those of the presenter and do not necessarily reflect any official CampusMortgage® policy or position. Examples of analysis performed within the video are only examples.
Cryptocurrency › Manufactured Housing › Agricultural Sector
CFPB LAUNCHES NEW INITIATIVE FOCUSED ON RURAL COMMUNITIES
On March 10, the CFPB published a blog post announcing a new initiative focusing on financial issues facing rural America, including:
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Rural banking deserts, in which consumers face a declining number of banks, higher fees and interest rates from non-bank alternatives, loss of local, on-the-ground knowledge of how rural communities operate due to bank consolidation, and racial disparities in access to credit and banking services;
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Discriminatory and predatory agricultural credit, including a long history of credit providers discriminating against Black farmers, resulting in Black-owned land loss and a decline of Black farmers, and farmers being steered by dominant agriculture firms to take out large loans; and
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Manufactured housing, where consumers face dramatically increased rents and tacked-on fees from private equity firms that buy the lot and force eviction while taking possession of the manufactured home as abandoned property without paying the owner.
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.)
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.
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.’
