{"product_id":"lewis-roger-ten-steps-to-affordable-housing-the-new-circuit-of-credit-9798231504572","title":"Ten Steps to Affordable Housing. The New Circuit of Credit","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 \u0026amp; 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).\n\u003cbr\u003e\nDecommodification ModelsCommunity Land Trusts (CLTs): Remove land from speculation.Public Credit Systems: Replicate North Dakota's state bank to fund housing without predatory debt.\n\u003cbr\u003e\nClimate-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).\n\u003cbr\u003e\nUniversity-Community PartnershipsCase Study: Universities as anchors for equitable development, countering displacement (American Bar Association, 2024).\n\u003cbr\u003e\nFinancial ReengineeringReplace interest-based financing with community-controlled credit, slashing the 77% interest burden (Creutz, 2010).\n\u003cbr\u003e\nPattern Language DesignApply Christopher Alexander's architectural principles for human-centered, livable communities.\n\u003cbr\u003e\nBlockchain GovernanceTransparent, resident-led decision-making for democratic development.\n\u003cbr\u003e\nCarbon-Neutral Affordable HousingIntegrate renewable energy (solar, biogas) to cut costs via carbon credits.\n\u003cbr\u003e\nInclusionary Zoning 2.0Mandate affordable units in market-rate projects while avoiding supply reduction (CQ Researcher, 2018).\n\u003cbr\u003e\nDisaster-Resilient CommunitiesPost-crisis rebuilding models that prioritize equity (e.g., rejecting New Orleans-style \"disaster capitalism\").","brand":"Roger Lewis","offers":[{"title":"Default Title","offer_id":53715777683798,"sku":null,"price":0.0,"currency_code":"EUR","in_stock":false}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0925\/5829\/5382\/files\/product_image_9798231504572_1_124cd9ca-249c-4216-9b8d-cc92d4ccd22c.jpg?v=1781767536","url":"https:\/\/www.momoxbooks.com\/products\/lewis-roger-ten-steps-to-affordable-housing-the-new-circuit-of-credit-9798231504572","provider":"momoxbooks","version":"1.0","type":"link"}