The Savings and Loan crisis in the 1980's was not caused by making
residential mortgages in the inner cities.

David Wilson
Loring Park



On 13 Dec 2001, Gregory Luce wrote:

> Hey, a question for Cara and/or others:
>
> It seems the biggest obstacle to establishing a CLT is the same that dogs any other 
>housing proposal:  capital.  Where do you get the capital to purchase land, rehab a 
>property, build a new one, etc.?  I suspect the same as anywhere else but would love 
>to hear about how PRG/Seward and others involved in the Minneapolis effort are 
>approaching this.
>
> Also, commenting on myself:
>
> Gregory Luce wrote:
>
> I'll wager my most treasured knick knack that most families, in an incredibly tight 
>market or in a distressed neighborhood (or both), would take affordability and 
>ownership anyday over wealth-building through home equity, if that was the ultimate 
>choice.
> ------
>
> To whom shall I send my 1977 autograph of Muhammad Ali, signed on the back of my 
>dad's personal check?
>
> I think I should have said that most low-income families would take home-ownership 
>sooner (through a CLT) than a fading hope for home-ownership later when the market or 
>their circumstances may finally allow them to purchase.  Push comes to shove, I bet 
>most folks would prefer outright traditional home-ownership with the potential to 
>build more significant equity that way.
>
> Gregory Luce
> North Phillips (work)
>
> North Phillips Press is a publication of Project 504,
> a housing related neighborhood organization based in
> the Phillips neighborhood.
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