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| related topics |
| {condition, economic, financial} |
| {capital, credit, financial} |
| {tax, income, asset} |
| {competitive, industry, competition} |
| {control, financial, internal} |
| {interest, director, officer} |
| {customer, product, revenue} |
| {personnel, key, retain} |
| {cost, regulation, environmental} |
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We have incurred net losses in prior periods and there can be no assurance that we will generate income in the future
We operate in an industry that is currently experiencing a prolonged and significant downturn
Housing Demand and Geographic Concentration
A write-off of all or part of our goodwill could adversely affect our operating results and net worth
The cyclical and seasonal nature of the manufactured housing industry causes our revenues and operating results to fluctuate, and we expect this cyclicality to continue in the future
Our liquidity and ability to raise capital may be limited
Tightened credit standards and curtailed lending activity by home-only lenders have contributed to a constrained consumer financing market
The availability of wholesale financing for industry retailers is limited due to a reduced number of floor plan lenders and reduced lending limits
We have contingent repurchase obligations related to wholesale financing provided to industry retailers
The manufactured housing industry is highly competitive, and competition may increase the adverse effects of industry conditions
If we are unable to establish or maintain relationships with independent retailers who sell our homes, our sales could decline
Our results of operations can be adversely affected by labor shortages and the pricing and availability of raw materials
If the manufactured housing industry is not able to secure favorable local zoning ordinances, our sales could decline and our business could be adversely affected
The loss of any of our executive officers could reduce our ability to execute our business strategy and could have a material adverse effect on our business and results of operations
We have a limited operating history as an independent company
You may have difficulty evaluating our business, as our historical financial information may not be representative of what our results of operations would have been if we had been an independent company
We could be responsible for certain tax liabilities if the Internal Revenue Service challenges the tax-free nature of the distribution
We may be required to satisfy certain indemnification obligations to Centex, or may not be able to collect on indemnification rights from Centex
Full 10-K form ▸
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