Walt Cygan made a good point about the role that
Habitat for Humanity can make in addressing the
affordable housing quandary.  They have the potential
to make great strides in providing quality
owner-occupied homes for low-income families.  To my
knowledge, Habitat for Humanity (the developer), does
not request government assistance (taxpayers' money). 


However, those who comprise the third part of the
equation (the city and the neighbors) aren't always
very accomodating.  Case in point being Habitat's
attempt to build two single family homes on a large
lot (exact size not known to me, but certainly
equivalent to two typical Minneapolis lots) in Apple
Valley last year.  From my recollection, I believe the
city was close to rezoning the parcel to allow two
homes rather than just one, until neighborhood dissent
quashed that action.  

Therefore, the end result was that Habitat was only
able to build one home rather than two.  Thus, there
is one less affordable unit in our area today because
of the concerns of neighbors.  Hooray for good
government planning and control.  If only this were an
isolated incident.  

-Paul Lambie

Paul Lohman wrote:
> How much control should the city have and how much
> control should landowners and developers have. 
That's
> a discussion that's been going on for a very long
time
> and obviously will continue to.... for a very long
time.

The third leg of this stool is the taxpayer. If
subsidies are provided,
someone must be paying for it. Sometimes the burden
placed on taxpayers
is given very little consideration.

Perhaps something like the Habitat for Humanity model
can be useful.
Money from taxpayers can be used to bankroll projects.
"Sweat equity"
from potential homeowners or apartment acquirers can
be used to make 
the
construction or rehab process less costly and lower
mortgages/rents.
Part of rent and mortgage payments are returned to the
fund for further
investment, minimizing ongoing taxpayer burden.

Does anyone have experience with a process like this?
Can donated labor
for these projects and reinvested capital and limited
subsidies help
create a revolving fund to push projects forward? Can
this be managed 
by
a non-governmental entity in an efficient way? Or is
something like 
this
already happening and I am just blissfully unaware as
a homeowner 
living
in the same place for the last 14 years? Or is this
just a fantasy?

Walt Cygan
Keewaydin


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