Houses made in a factory are a cheap and energy-efficient way for poorer Americans to become homeowners—plus, these days, the mass-produced units can be pretty spiffy. You’ve seen it before: a house, on a truck, on a highway, slowing down traffic with its yellow “OVERSIZED LOAD” sign, its tan vinyl siding nearly screaming “Trailer Park!” The snobs among us may judge these pre-fab homes as shoddily built, cheap eyesores in a country that’s increasingly eschewing the suburbs for walkable urban areas. But pre-fabricated homes just might be part of the solution to America's affordable housing crisis. Home prices are continuing...