These are all great points. What is not as well known is that the banks in most SEC towns (Gainesville, Tuscaloosa, Starkville, etc.) have become experts in the growing field of micro-mortgages. With the rise of all of these tiny houses (and Tiny House TV shows), as well as the existing market for "traditional tiny homes" (mobile homes), several half-wit Southern bankers/SEC-booster-types have created a new financial instrument market to service the fast growing (within the SEC footprint) demand for micro-mortgages.
I mean, come on, who expects the typical Bubba/SEC-fan to have forty thousand, or even forty-two thousand in cash when it comes time to seal the deal on his dream double-wide? Those big Yankee-banks (run by northeastern liberal elites) don't care about the little people in southern flyover country. But now you can feel secure that there is a "hometown bank" that will write a mortgage on a "portable" home, and you can feel even better knowing that the profits of the bank will likely be funneled back into the (SEC) community in the form of a payment to a 5-star recruit's family.
What could be better?