Ten Steps to Affordable Housing. The New Circuit of Credit

Name: Ten Steps to Affordable Housing. The New Circuit of Credit
Brand: Roger Lewis
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By Roger Lewis

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Description

Book Overview: Ten Pathways to Affordable HousingSubtitle: Breaking the Circle of Blame in Housing PolicyAuthor: Roger LewisCore ThesisThe book argues that the affordable housing crisis stems from systemic design flaws, not market failure. Through 10 evidence-based pathways, it demonstrates how communities can reclaim housing from financialization and transform it into equitable infrastructure.Key Themes & PathwaysRegulatory Reform RevolutionProblem: Zoning laws, NIMBYism ("Not In My Backyard"), and bureaucratic barriers block affordable development (HUD, 1991).Solution: State-led overrides of exclusionary local policies (e.g., California's RHNA quotas).
Decommodification ModelsCommunity Land Trusts (CLTs): Remove land from speculation.Public Credit Systems: Replicate North Dakota's state bank to fund housing without predatory debt.
Climate-Policy IntegrationProblem: "Green" regulations inflate costs without addressing housing shortages (Chapman University, 2024).Solution: Pair density bonuses with sustainability mandates (e.g., transit-oriented development).
University-Community PartnershipsCase Study: Universities as anchors for equitable development, countering displacement (American Bar Association, 2024).
Financial ReengineeringReplace interest-based financing with community-controlled credit, slashing the 77% interest burden (Creutz, 2010).
Pattern Language DesignApply Christopher Alexander's architectural principles for human-centered, livable communities.
Blockchain GovernanceTransparent, resident-led decision-making for democratic development.
Carbon-Neutral Affordable HousingIntegrate renewable energy (solar, biogas) to cut costs via carbon credits.
Inclusionary Zoning 2.0Mandate affordable units in market-rate projects while avoiding supply reduction (CQ Researcher, 2018).
Disaster-Resilient CommunitiesPost-crisis rebuilding models that prioritize equity (e.g., rejecting New Orleans-style "disaster capitalism").

Product details

Binding:: Paperback
Number of Pages:: 122
Release Date:: 2025-07-07
Publication Date:: 2025-07-07
Publisher:: Roger Lewis
Languages:: Original: English
ISBN13:: 9798231504572
Weight:: 165 g
Height:: 140 cm
Width:: 216 cm
Thickness:: 7 cm

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