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.

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?

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.

Q: Can Nonprofits Get Out the Vote?

A. Yes! Nonprofits are often uncertain about what they can legally do, but they can get out the vote among their residents, clients, and staff.
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?

A: Yes! And keeps them safer than traditional homeownership does.
What Do All These Housing Affordability Terms Mean?

Q: What Do All These Housing Affordability Terms Mean?

While we use terms like "affordable housing," "moderate income," "housing poverty," and "area median income" often, we thought it'd be helpful to explain what all these housing affordability terms mean. Make sure you're using these 19 terms correctly.
Does Airbnb Cause Rents to Increase? Yes it does. This graphic explains how.

Q: Does Airbnb Cause Rents to Increase?

A: Yes! Since hosts can make 50 to 200 percent more on short-term rentals than on long-term rentals, Airbnb affects purchase prices as well.

Q: What’s the difference between community economic development and traditional economic development ?

A: A lot! In fact, they are so different that the Democracy Collaborative, which made the chart below, has coined the term “community wealth building” to set apart the truly community-oriented practitioners of economic development.