All true, not to mention that a mobile home can be stolen if you're in possession of a tractor-trailer. A bank sending someone to their now-repossessed empty si

All true, not to mention that a mobile home can be stolen if you're in possession of a tractor-trailer. A bank sending someone to their now-repossessed empty site might decide not to lend on mobile homes again. Of course, if we had a constrained supply of mobile homes like we do stick or block-built homes, the mere existence of mortgages would drive the price up. There's a weird bifurcation in the housing market between "banks will lend on this" and "you'll never get a mortgage on this" - the latter is shockingly cheap in part because it can be dodgy, but ALSO because without the availability of mortgages you face far, far, far reduced competition. This is how I ended up buying a house (stone cottage, thatched roof, needed work) for hardly more than the deposit I'd saved up before giving up on my dysfunctional city. The cost of a house seems to always adjust to the amount of debt available to purchase it. Sweden had an average mortgage length of 140 years until recently - now capped at 105 (https://www.telegraph.co.uk/personal-banking/mortgages/sweden-cuts-maximum-mortgage-term-to-105-years-the-average-is-14/ https://www.telegraph.co.uk/personal-banking/mortgages/swede... ) - and of course anyone who thinks "I'd like to pay my house off in 30 years" has to compete with someone who will take out a 4-generation mortgage. But that's separate from whether or not mobile homes should be permitted - hell, I can't build a yurt without planning permission (which I'd never get). I'm a lefty greenie type at heart and actually think a bunch of one-off houses on big lots tend to be terrible for auto-dependence, service delivery, social isolation, etc. but when we started allowing the government to restrict where people are allowed to build AND didn't ensure that it at least meets population growth (not to mention letting asset owners vote on whether to create more of said asset) we laid the seeds for our current housing predicament.