The Answer

An illustration of a headshot that has racially loaded terms enscribed on it. Surrounding the tombstone are reasons why these terms should not be used.The Answer is a one-page response to questions many of our readers find themselves being asked over and over, whether by colleagues, potential partners, funders, policymakers, or the public. It’s easy to download and print and it’s free to distribute with our credit on it. We want to hear how you are using The Answer, and also to get your suggestions for other questions to address: let us know about both at theanswer@shelterforce.org.

Featured posts
One-pager showing differences between municipal land banks and community land trusts. Image links to pdf version.

Q: Is a Land Bank the Same As a Land Trust?

The Answer Shelterforce Staff -
A: Nope. They are totally different, though complementary tools. This chart will walk you through the differences.
One-pager shows a repeating image of a manufactured home down the center, with myths on the left about why they are bad, and facts on the right. Image links to pdf version.

Q: Are manufactured homes a bad form of affordable housing?

The Answer Shelterforce Staff -
A: Not any more! There are many myths out there about manufactured (or "mobile") homes, but in fact they can be a very important source of quality affordable housing...
A four-person family stands in a maze leading to a house. Around the maze are various answers to the question "Why doesn't the market produce enough affordable housing?" Image links to a pdf version.

Q: Why doesn’t the market produce enough affordable housing where people want it?

The Answer Shelterforce Staff -
A: The market is supposed to meet demand, but the importance of location, location, location, plus other factors, keep this from working for affordable housing.
One-pager starts with "Does affordable housing lower property values? No!" Image shows 56 green document icons, 5 striped, and 1 gray to represent research that found positive, mixed, or negative effects and a map of the United States with dots to represent where those studies took place. Includes citations. Image links to pdf version.

Q: Does affordable housing development lower nearby property values?

The Answer Shelterforce Staff -
A. No. No. No. Is 56 studies enough no for you?
A drawing of a house with a red roof and a red path leading from door is accompanied by text explaining reasons why shared-equity homeownership makes sense in weak-market areas. Image links to pdf version.

Q: What’s the Point of Shared-Equity Homeownership in Weak Market Areas?

The Answer Shelterforce Staff -
Shared-equity homeownership is best known as a tool to fight displacement in hot-market areas. But in fact, it has many advantages in weak-market areas too.
Does shared-equity homeownership build assets? Yes. And keeps them safer than traditional homeownership does. Various graphs and charts follow to back up this assertion. Image links to pdf version.

Q: Does Shared-Equity Homeownership Build Assets?

The Answer Shelterforce Staff -
A: Yes! And keeps them safer than traditional homeownership does.
Did the housing crisis prove that low-income people can't be successful homeowners? No! Infographic follows showing delinquency and foreclosure rates for two at-scale low-income homeownership lending programs, which are below the general population. Image links to pdf version.

Q: Did the housing crisis prove low-income people can’t be successful homeowners?

The Answer Shelterforce Staff -
No! Two at-scale, long-term lending programs show that if the process is done right, low-income homeowners can be as successful as prime borrowers--or more.
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