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An overlooked group in discussions of rental affordability are households who occupy a unit without payment of rent. Non-cash renters fall into one of three broad categories…

As programs that address the housing needs of middle-income renters become increasingly common in an environment of limited resources, it is crucial to understand the…

Housing affordability challenges have crept increasingly up the income scale and have left a record-high share of middle-income renter households with cost burdens. In…

In response to housing affordability challenges rapidly climbing the income scale, state and local governments have adopted policies and programs to explicitly address the…

This study provides new evidence on the effectiveness of the Community Reinvestment Act (CRA) on small business lending by focusing on a sample of neighborhoods with changed…

This paper was originally presented at A Shared Future: Fostering Communities of Inclusion in an Era of Inequality, a national symposium hosted by the Harvard Joint…

Midwestern CDCs trying to build affordable homes that do not require development subsidies have identified three potentially promising strategies: building smaller homes,…

Innovations in single-family home construction are badly needed. Studies show that every county in the U.S. is facing an affordable housing shortage. Homeownership is…

HBTL-09: Dual mortgage markets are a direct descendent of key policy responses to the Great Depression.  Prior to the Depression, nearly all mortgages were five-…

UCC08-9: The subprime mortgage market, which consists of high-cost loans designed for borrowers with weak credit, has grown tremendously over the past ten years. Between…