Homes or Cash Cows?

Nowadays housing is treated more as an instrument for financial gain than a place for shelter. How has this way of thinking changed the market? In Homes or Cash Cows, Shelterforce explores what people mean when they talk about the “financialization” of housing, some of its causes and effects, and what housing advocates are trying to do about it. This Under the Lens series launched in August 2022 and ran for several weeks. Don’t miss a future series by signing up for our newsletter.

Transforming the Development Industry: A Conversation with Charmaine Curtis

Moving away from financialized housing will take developers who are willing to operate differently.

When Landlords Hide Behind LLCs

It’s difficult to know who owns a property because corporate landlords and investors tend to structure their business as limited liability companies, or LLCs.

Unmasking the Property Owners

There’s a reason land ownership is a matter of public record—but at the moment the records we have aren’t actually doing the job.

Breaking NYC’s Housing Speculation Cycle

When wealthy investors treat homes like poker chips, it is the tenants who end up losing. How do we interrupt the vicious cycle of speculation and displacement?

How the Federal Reserve’s Monetary Policy Drives Housing Inequality

If high home prices and rents are hallmarks of inequality, the actions of the Federal Reserve should give us pause. Its policy interventions have had profound effects on housing prices.

The Financialization of Housing and Its Implications for Community Development

Over the last two decades homeowners and investors have increasingly treated housing as a financial asset, like stocks or bonds. How has this changed the housing market for the worse, and how can we fix it?

What Is the Financialization of Housing?

It's a wonky term with real-life consequences. At its most basic level, the "financialization of housing" means treating a home like a financial asset first, and a place to live second. But there are many more perspectives.

Making Money Over Making Homes

Housing has become less about shelter and more about extracting profit. How has that way of thinking changed the market and what are housing advocates trying to do about it? In our new series—Homes or Cash Cows—Shelterforce explores the financialization of housing.

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