A Decent Home

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Format: Hardcover
Pub. Date: 2009-06-15
Publisher(s): Amer Planning Assn
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Summary

As more and more families lose their homes to foreclosure, affordable housing is very much in the public eye. Across the country, lawmakers and community development organizations scramble to create affordable, decent places to live for the millions in need. Yet affordable housing remains poorly understood and widely controversial, with even experienced professionals finding it difficult to navigate the maze of legal and financial complications that surround it. WithA Decent Home, housing expert Alan Mallach disentangles the issues and breaks down the jargon, offering professionals and educated laypersons a comprehensive picture of what affordable housing is, how it works, and how it is planned and developed. Mallach examines the most important issues and controversies surrounding affordable housingincluding social, economic, and political considerationsand provides readers with the information and insight to develop thoughtful, responsible opinions about an issue that is hotly contested both nationally and in individual communities around the nation.

Author Biography

Alan Mallach is a non-resident senior fellow at the Brookings Institution in Washington, DC and a senior fellow at the National Housing Institute in Montclair, New Jersey. He is the author of many books and articles on urban planning, housing, and community development.

Table of Contents

Acknowledgmentsp. vii
Prefacep. ix
The Case for Affordable Housingp. 1
The Need for Decent Housingp. 2
Affordable Housing Needs and the Private Marketp. 10
Is Affordable Housing a Housing Problem or an Income Problem?p. 17
Conclusionp. 25
Affordable Housing in the United States: A Short Historyp. 29
Beginningsp. 29
The Rise and Fall of Public Housingp. 33
Federal Funding, Private Ownershipp. 37
The Age of Devolutionp. 44
Affordable Housing Policy Todayp. 47
Designing Affordable Housingp. 53
Why Design Mattersp. 53
Housing for Whom?p. 57
Housing That Works for Peoplep. 60
Cars, People, and Open Spacep. 65
Safe Spacesp. 69
Designing Housing That Fits Inp. 72
Finding Sites and Gaining Approval for Affordable Housingp. 79
Criteria for Selecting Sitesp. 79
Good Sites Are Hard to Findp. 85
Getting Projects Approvedp. 89
Making the Numbers Work: Financing Affordable Housingp. 101
Defining Affordabilityp. 102
Filling the Gapp. 106
Capital Grants and Tax Credit Equityp. 112
Putting the Pieces Together: Subsidy Layering and the Development Pro Formap. 123
Developing Affordable Housing, Step-by-Stepp. 133
Thinking the Project Throughp. 135
Forming the Development Team-Finding a Sitep. 137
The Predevelopment Processp. 140
Construction, Marketing, and Rent-Upp. 146
Concentration and Opportunity: Undoing the Exclusion of Affordable Housingp. 157
The Practice of Suburban Exclusionp. 158
Challenging Exclusion in the Courtsp. 162
State Planning Laws and Affordable Housing Mandatesp. 165
Conclusionp. 174
Affordable Housing, Community Development Corporations, and Neighborhood Revitalizationp. 177
Affordable Housing and Poverty Concentrationp. 179
The Role of Community Development Corporationsp. 186
Toward Communities of Choicep. 191
Balancing Affordable Housing and Neighborhood Revitalizationp. 195
The Risks and Rewards of Affordable Home Ownershipp. 207
Home Ownership-The American Dreamp. 207
The Costs and Benefits of Home Ownershipp. 212
Public and Nonprofit Strategies to Foster Lower Income Home Ownershipp. 217
Low-income Home Ownership and the Subprime Meltdownp. 228
Preserving Affordable Housingp. 239
Preservation: A Critical Issuep. 239
The Problem of Expiring Use Restrictionsp. 242
Preserving Affordable Home Ownershipp. 246
Preserving Affordability in the Private Marketp. 254
Homelessness and Affordable Housingp. 263
Who Are the Homeless?p. 264
Why Are So Many People Homeless?p. 267
Changing Approaches to Housing the Homelessp. 272
Affordable Housing and Housing Firstp. 279
Inclusionary Housing: Using the Market to Create Affordable Housingp. 285
What Is Inclusionary Housing?p. 286
The Legal Status of Inclusionary Housingp. 292
Economics of Inclusionary Housingp. 295
Making Inclusionary Housing Workp. 300
Policies, Politics, and the Future of Affordable Housing in the United Statesp. 311
Drivers of Housing Policy Changep. 312
Shaping Future Affordable Housing Policyp. 319
Appendix: Resources for Further Informationp. 347
Indexp. 365
Table of Contents provided by Ingram. All Rights Reserved.

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