This reminds me - I remember hearing that the whole reason trailer parks exist is because in some places the laws for vehicle financing were vastly different th

This reminds me - I remember hearing that the whole reason trailer parks exist is because in some places the laws for vehicle financing were vastly different than home financing. As a result, banks had an incentive to lend to vehicle buyers with income/credit ratings they could not approve home loans for. Someone figured out they could open up an entirely new market by slapping wheels on tiny homes and calling them vehicles, even if no one would ever intend to move them anywhere. The whole thing is predatory, but it's an interesting case study in perverse incentives.