I look forward to watching Kristina Smallhorn every week.

Great presence on your video

Fairly sure that Christmas comes on the same day every year... Starting in January, I remind my tenants every month how many days they have until the next Christmas so that the can't use the excuse that they forgot it is Christmas. when it comes to their Nov/Dec budget

So when is Boxable going to be approved for delivery and placement in the state of Nevada (where they are manufactured!!)??????? Are you ever going to do a follow update on this company?????????????????????????????????????????????????????????

6.75

Great installation estimation info. I'd like to see an off-grid recalculation using solar power for refrigerator, lights and cooking, rainwater for plumbing, and a non-plumbing incinerator or compost toilet.

7.43

Happy Holidays and congrats to your daughter!

Awesome news for your daughter graduation 😊.

10.5

19:47 "they (VA) went ahead and restructured them (delinquent loans) too. It was kinda not their fault... so there wasn'ta big wave of VA foreclosures." VA continues to offer forbearance options for VA-backed home loans as of 12-22-2024 (4 years of forbearance). What does this mean? The taxpayers are covering the burden for the banks delinquent assests while the borrower pauses payments, the loan is not considered in default or delinquent during the forbearance period. Regulators and accounting standards typically allow lenders to keep loans under forbearance classified as "performing." The banks avoid recognizing it as a bad or impaired asset.This allows the loan to remain a positive asset on the balance sheet, preventing hits to the bank's financial health and capital requirements. Still don't get it? The forbearance programs effectively "pause" delinquencies, preventing a flood of non-performing loans from being recognized on bank balance sheets. If too many loans ultimately default after forbearance, this could strain the financial system in the long term. The hope is that forbearance gives borrowers enough time to recover economically and resume payments, thus avoiding foreclosure altogether. However, by pausing foreclosures, the supply of distressed properties that would normally enter the market is restricted. This artificially reduces housing inventory, contributing to higher prices. Foreclosures often sell below market value, and their absence removes downward pressure on home prices. Still don't get the full picture? During the 2008 GFC, 1.8% of all loans (2.3million) faced foreclosure. In 2020 alone, 7% (3.4million) loans went into forbearance. From 2020 to today, your eggs & bacon, diapers & wipes, nails & lumber 4x in price to hold back 8.3 million foreclosure loans. $8.5trillion (CARES Act, ARPA, IRA, CAA, II&JA). Unemployment is on the move & automation (AI) is coming fast… tick… tick… tick…

Yes, to answer your question about certain companies trying to pass/push what they are calling a modular home when it is nothing more than a trailer/ manufactured home is a company named Clayton homes. At least the one in south Mississippi is. At least lately when visit a site by Clayton at the time we were told sorry we don't have any models of modulars on our lot for you to look at and are very much pushing their manufactured trailers. If you look close at the actual materials that go into them they are using are 2×2s for their rafters instead of 2×4s and walls they use 2/3s instead of 2/4s.They try to fool you by fancying it up a bit on the inside with a bit of modern fixtures that can resemble better quality but trust in the facts that what you see is not what you are really getting. Opt for a true Modular as Kristina states.

Kristina, I think not only the number of jobs is important for your analysis, but it is also worth considering the number of people in the country (including what will happen with immigration).

Back up a lil bit

This lady has no shame. Different story every week. Yaks

Ugh snacks, I missed the cast 😢

Well, maybe they aren’t experts are they?

Hey

Ban hoa

6.75%

It is pronounced san gwin and it means optimistic.

NRA has no credibility when it comes to predicting interest rates because it is in their interests to forecast lower rates because it helps home sales and purchases.

I love your hair in its natural state.😊

Thank you and Merry Christmas

CANT EVEN AFFORD TO RENT A ROOM IN AMERICA.

This is Witchcraft

Awesome! Let’s make housing affordable again

The electrical is horrible in them also. Ours is 2003 and almost caught fire due to electrical issues

We lived in an HOA about 29 years ago. Went to Home Depot and bought some flowers to plant in the front. We got FINED because we didn’t provide the “plan” to the HOA 30 days prior and the color of the flowers, blue, were not an authorized color. We immediately put the house for sale and moved. We move a lot. All our houses since we’re not in an HOA.

Dump the HOA's!!

I bought an Oak Creek home a little over 2-years ago. Water comes in from my kitchen window, and mice come in through plumbing and electrical holes that were drilled in the bottom of kitchen and bathroom cabinets for wiring and plumbing because they over drilled in some areas 1/2 inch or more. People have told me to stuff steel wool in them. Really? A brand new home? Stuff steel wool in the cracks? The dirt foundation they placed my home on because there was mysteriously no room in the budget for a pier and beam foundation has shifted, and I haven’t been able to open or close my front door for a year now! Talk about buyers remorse!

Hey, about how much would these cost?😊

Where I have land, modular homes are allowed but not manufactured. So the word play could be very important to some people.

It just 2 by 4 and playwood 😅.

Regardless, that's almost 400,000. Not affordable for most people nowadays.

Deceptive naming

In Miami-Dade County there no other way around it. If you buy a house be ready to fork out 800k+ and pay big money for homeowners insurance, which could end up dropping you if there is a hurricane. Other than that, you are practically forced to buy a condo unit or a townhome and share the property maintenance and insurance cost.

Thank you!

Excellent video!

When you build with us we have a 16% margin on top of costs plus some agreed upon sequence operations.

First house is 272.32 square feet

If your looking in 2024 go ahead and double those average home prices..just so your not suffering sticker shock 😅

So how is water and sept hooked up?

I live in a huge stick built farm home that is too much for us now. Cant wait to get in a smaller more energy efficient manufactured home to live out my life in 😊

HOA needs to be outlawed... It's Unconstitutional and have only been a money laundry ring for thieves... HOA is just another name for brownshirts.

On wheels means mobile home

Try getting home insurance !

Cities love HOAs. Cities can make neighborhoods looking nice. But why do that? Better off to collect property tax and give nothing back. That sounds like a great idea! HOA tythes pay for things cities used to pay for like parks, roads, neighborhood structures and so on... Citizens pay double. Cities mismanage more. Whats not to love? Unfortunately, 100% of all new developments within 100 miles of me are now all HOA developments.

Do you have to put down a deposit (not down payment) to get approved for the loan? Triad told me i have to put down a deposit before i can close.

Manufactured homes CANNOT be financed if they are moved more than once. That is something to keep in mind. If you are planning on reselling your manufactured home DO NOT move it.