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MHPHOA Glossary

Mobile Home Park Home Owners Allegiance

Mobile Home Park glossary of terms, abbreviations, acronyms, initialisms and definitions of each.

ADU
Accessory Dwelling Unit (Granny Flat)
APAC
All Parks Alliance for Change
Bylaws
Rules for the conduct of the internal affairs of corporations and other organizations such as Home Owners Associations (HOAs).
CAR
California Association of Realtors
Cash Cow
Business jargon for mobile/manufactured homes that provide positive cash flows and a return on assets (ROA) that exceeds the market growth rate – Cash Cows generate unusually high profit margins.
CCM
Cascade Corporate Management
CC&Rs
Covenants, Conventions and Restrictions
Chattel Mortgage
Under a typical Chattel Mortgage, the purchaser borrows funds for the purchase of movable personal property, the chattel (mobile home), from the lender. The lender then secures the loan with a mortgage over the chattel. Legal ownership of the chattel is transferred to the purchaser at the time of purchase, and the mortgage is removed once the loan has been repaid.
Civil Elder Abuse
Civil law defines civil elder abuse to mean physical abuse, neglect, financial abuse, abandonment, isolation, abduction, or other treatment resulting in physical harm, pain, or mental suffering. It also means the deprivation by a care custodian of goods or services that are necessary to avoid physical harm or mental suffering.
Welfare and Institutions Code Section 15610.07
CMHI
California Manufactured Housing Institute
Coercion
Compulsion; force; duress. It may be either actual, (direct or positive) where physical force is put upon a person to compel them to do an act against their will, or implied, (legal or constructive) where the relation of the parties is such that one is under subjection to the other, and is thereby constrained to do what their free will would refuse.
COMO-CAL
Coalition of Mobilehome Owners
Compel
Compel means to constrain, oblige and/or coerce someone, in some way, to yield or to do what one wishes e.g. to compel a recalcitrant debtor to pay.
Compulsion
Compulsion refers to the forcible inducement to an act. It also means the act of compelling; the state of being compelled; an uncontrollable inclination to do something; duress. Compulsion can take forms other than physical force. The courts have been indisposed to admit it as a defence for any crime committed through yielding to it. It can best be considered under the heads of obedience to orders, martial coercion, duress per minas, and necessity.
Criminal Elder Abuse
Civil law defines civil elder abuse to mean physical abuse, neglect, financial abuse, abandonment, isolation, abduction, or other treatment resulting in physical harm, pain, or mental suffering. It also means the deprivation by a care custodian of goods or services that are necessary to avoid physical harm or mental suffering.
Penal Code Section 368
Degentrification
The reverse process of Gentrification, such that a residential area (mobile home park) previously only affordable to affluent people becomes affordable to those who are poorer.
Demurrer
A legal response that a tenant (mobile home owner) can file in an Unlawful Detainer Lawsuit to test the legal sufficiency of the charges made in the mobile home owner's complaint.
Double Net Lease (NN Lease)
A Commercial Real Estate Lease where the tenant is responsible for base rent plus a pro-rata share of property taxes and property insurance. The landlord covers expenses for structural repairs and common area maintenance. The tenant is responsible for their own janitorial and utility expenses.
Duress
Duress exists where a person is coerced by the wrongful conduct or threat of another to enter into a contract under circumstances that deprive the individual of his or her volition.
Expert Witness
An expert witness is a person whose opinion by virtue of education, training, certification, skills or experience, is accepted by the judge as an expert. The judge may consider the witness's specialized (scientific, technical or other) opinion about evidence or about facts before the court within the expert's area of expertise, referred to as an expert opinion. Expert witnesses may also deliver expert evidence within the area of their expertise.
Extortion
A criminal offense of obtaining money, property, or services from a person, entity, individual or institution, through coercion. Extortion does not require a threat of a criminal act, such as violence, merely a threat used to elicit actions, money, or property from the object of the extortion.
Eviction
A court administered proceeding for removing a tenant from a mobile home space because the tenant has violated the rental agreement or lease, or did not comply with a 60-day termination of tenancy notice.
Eviction Notice (aka three-day written notice)
A three-day written notice that the mobile home park owner and/or management serves on the tenant (mobile home owner) when the tenant has violated the lease or rental agreement. The three-day written notice usually instructs the tenant to either leave the mobile home space or comply with the lease or rental agreement e.g. by paying past-due rent within the three-day written notice period.
Financial Abuse
Civil Elder Abuse: The illegal or unethical exploitation and/or use of an elder’s funds, property, or other assets.
Welfare and Institutions Code Section 15610.07
FMRs
Fair Market Rents – The amount of money that a given property would command, if it were open for leasing at that moment.
FTM
Failure to Maintain – California MRL §798.84
Gentrification
Gentrification is the process of renewal and rebuilding accompanying the influx of middle class or affluent people into deteriorating areas that often displaces poorer residents.
Ground Lease
The mobile home park owner owns the dirt only. Residents may own trailers, mobile homes, manufactured homes and/or recreational vehicles (RVs) on the dirt and pay the holder of the Ground Lease, the mobile home park owner, monthly space rent.
GSMOL
Golden State Manufactured-Home Owners League
HCD
California Department of Housing and Community Development
HOA
Home Owners Allegiance
Home Owners Alliance
Home Owners Association
Homeowner
Homeowner is a person who has a tenancy in a mobilehome park under a rental agreement.
California MRL §798.9
HUD
US Department of Housing & Urban Development. Federal agency that funds housing development projects.
In Park Financing
The financing of a manufactured or mobile home located in a rental/lease park, this is a Chattel Mortgage.
KS
Kort & Scott
KSFG
Kort & Scott Financial Group
Land Lease Community
Private land developed as home sites for mobile and/or manufactured homes. In most areas, most home sites are leased to the mobile home owner for a monthly fee referred to as space rent or lot rent.
Leased Land Mobile Home Loan
A loan on a manufactured or mobile home on leased land, typically a mobile home park. This loan finances the home only and is referred to as a Chattel Mortgage.
Leasehold
A Leasehold is created when a Ground Lease owner enters into an agreement or contract with a Lessee for a given length of time typically with stipulations for what is to occur at the end of the contract period. A Lessee buys the Leasehold Rights and pays ground rent to the holder of the Ground Lease, usually a percentage of the monthly total space rents. The holder of the Leasehold does not own the land.
Example 1: Lincoln Center Mobile Home Park
KSFG Purchased Leasehold Rights in Mar 2005 for $19,795,000.
Example 2: Tustin Village Mobile Home Park
KSFG Purchased Leasehold Rights in Jan 2005 for $4,500,000.
Lessee
One who contracts to rent, occupy, and use a mobile home space under a lease agreement. The Lessee is also referred to as a Tenant.
Lessor
A mobile home park owner who enters into a lease agreement with a tenant. The Lessor is also referred to as a Landlord.
Lien
The method by which a lender, referred to as the Lien Holder, secures repayment of the loan. When a borrower takes out a loan on a mobile home, a lien in favor of the lender is placed on the title of the home. This lien ensures that the lender will be paid before title of the mobile home can be transferred to any other buyer. If a mobile home loan is defaulted on, the lien allows the lender to legally take possession of the collateral, in this instance the mobile home.
Manufactured Home
Refers to homes built after June 1976 when the HUD code governing building standards for factory built homes was instituted.
Mental Suffering
Civil Elder Abuse: The infliction of fear, agitation, confusion through threats, harassment or other forms of intimidating behavior.
Welfare and Institutions Code Section 15610.07
MH
Manufactured Housing
Mobile Home
MHC
Manufactured Home Community
MHE
Mobile Home Estates
MHET
Manufactured Housing Educational Trust
MHONET
Mobilehome Owners Network
MHP
Manufactured Home Park
Mobile Home Park
MHU
Mobile Home University
Mobile Home
Mobile Home is often used interchangeably with the term Manufactured Home, they are technically different. Mobile Home refers to homes built prior to June 1976.
Modular Home
Refers to a manufactured home built in a production facility in two or more sections then transported and assembled on location. The assembly process typically uses a traditional permanent concrete foundation. See Site-Built Home
Moral Turpitude
A phrase used in criminal law to describe conduct that is considered contrary to community standards of justice, honesty, or good morals. Turpitude means a corrupt, depraved, degenerate act or practice that shocks the public conscience.
MRL
Mobilehome Residency Law
Multi-Section Home
A manufactured home delivered to the home site in two or more sections. The average square footage is 1,715 square feet but may be as large as 2,500+ square feet. The most common multi-section manufactured home consists of two sections and are referred to as a double-wide. Three section manufactured homes are referred to as a triple-wide. Four section homes are referred to as a quad.
NAR
National Association of Realtors
NMHOA
National Manufactured Home Owners Association
Net Lease
A Commercial Real Estate Lease where the landlord charges a lower base rent for the commercial space, plus some or all of "usual costs," which are expenses associated with operations, maintenance, and use that the landlord pays. These can include real estate taxes; property insurance; and common area maintenance items (CAMS), which include janitorial services, property management fees, sewer, water, trash collection, landscaping, parking lots, fire sprinklers, and any commonly shared area or service.
NN Lease
See Double Net Lease
NNN Lease
See Triple Net Lease
NOI
Net Operating Income (NOI) is a calculation used to analyze real estate investments that generate income. Net operating income equals all revenue from the property minus all reasonably necessary operating expenses.
Personal Property
Property that is movable e.g. autos, boats and mobile homes are examples of personal property. Loans on personal property are referred to as Chattel Loans.
Preponderance of the Evidence
The greater weight of the evidence required in a civil (non-criminal) lawsuit for the trier of fact (jury or judge without a jury) to decide in favor of one side or the other. This preponderance is based on the more convincing evidence and its probable truth or accuracy, and not on the amount of evidence.
PTO
Permit to Operate
Racketeering Activity
Any act or threat involving murder, kidnapping, gambling, arson, robbery, bribery, extortion, dealing in obscene matter, or dealing in a controlled substance or listed chemical (as defined in section 102 of the Controlled Substances Act), which is chargeable under State law and punishable by imprisonment for more than one year;
Title 18 United States Code Chapter 96
Real Property
Property that is not movable e.g. land, homes fixed to land (Site-Built Homes), and buildings fixed to land are all examples of Real Property.
Resident
Resident is a homeowner or other person who lawfully occupies a mobilehome.
California MRL §798.11
RICO
RACKETEER INFLUENCED AND CORRUPT ORGANIZATIONS – What is the RICO Act? A federal law, passed in 1970, that allows prosecution and civil penalties for certain acts (including illegal gambling, bribery, kidnapping, murder, and money laundering) performed as part of an ongoing criminal enterprise. RICO has been used to prosecute members of the mafia, the Hells Angels motorcycle gang, and Operation Rescue, an anti-abortion group, among others.
Title 18 United States Code Chapter 96
RIR
Relocation Impact Report
ROC
Resident Owned Community
ROI
Return on Investment
ROP
Resident Owned Park
RSO
Rent Stabilization Ordinance. Regulations related to rent controlled mobile home parks that park owners must comply with to avoid fines and other penalties.
SBMRA
South Bay Mobilehome Resident’s Alliance
SCM
Sierra Corporate Management
SMMRA
San Marcos Mobilehome Residents Association
Single-Section Home
A manufactured home delivered to the home site in one section. The width of section can be 10', 12', 14', or 16'. The length of the single section home can be from 30' to 80'. The average square footage of a single section home is 1,120 square feet.
Site-Built Home
Any home that is built on the home site with a permanent foundation which represents the majority of homes today.
Slumlord
A slumlord (or slum landlord) is a derogatory term for a landlord, generally an absentee landlord with more than one mobile home park, who attempts to maximize profit by minimizing spending on property maintenance, often in already deteriorating mobile home parks.
SRSO
Space Rent Stabilization Ordinance. Regulations related to rent controlled mobile home parks that park owners must comply with to avoid fines and other penalties.
Stick-Built Home
Same as a site-built home but the term is inaccurate. Factory built homes are also stick-built homes. The sticks (lumber) are simply assembled inside a factory.
Sublease
A lease from a lessee to another lessee. The new lessee is a sublessee or subtenant.
Tag
A multi-section home where one of the sections is considerably less in length than the other sections is called a tag. The tag, as in tag-a-long, is built on its own frame and chassis and is used to expand the floor space in a portion of the mobile home.
Tenancy
Tenancy is the right of a homeowner to the use of a site within a mobilehome park on which to locate, maintain, and occupy a mobilehome, site improvements, and accessory structures for human habitation, including the use of the services and facilities of the park.
California MRL §798.12
Title
Documentary evidence of ownership. Health and Safety Code §18080.4(a) – Every registered owner, upon receipt of a registration card, shall maintain the card or a copy thereof with the manufactured home, mobilehome, commercial coach, truck camper, or floating home for which it is issued.
Health and Safety Code Section §18080.4
Triple Net Lease
A triple net (NNN) lease is defined as a lease structure where the tenant is responsible for paying all operating expenses associated with a property; Property Taxes, Insurance, Maintenance Costs. These three additional costs represent the nets to which the name of the lease refers. The triple net or NNN lease is considered a turnkey investment since the landlord is not responsible for paying any operating expenses.
Truth in Lending
A federal regulation, referred to as Regulation Z, requiring creditors to provide full disclosure of the terms of a loan.
UD
Unlawful Detainer
Unlawful Detainer Lawsuit
A lawsuit that a mobile home park owner must file, and win, before the owner can evict a tenant (mobile home owner). This is also referred to as an Eviction Lawsuit.
Vacancy Rate
The percentage of mobile homes in a mobile home park that are vacant as of a certain date. For example, Knolls Lodge Mobile Home Park in Torrance, California has 257 spaces. As of December 2015, 53 of those spaces are available in some form. 53/257 = 21% Vacancy Rate.
Volition
Volition or will is the cognitive process by which an individual decides on and commits to a particular course of action. It is defined as purposive striving and is one of the primary human psychological functions.
WCLP
The Western Center on Law and Poverty
WMA
Western Manufactured Housing Communities Association