At the 1967 Montreal World Fair, Moshe Safdie created an idea for high volume housing that makes sense to satisfy many urban housing needs. http://archives.cbc.ca/dossier.asp?IDDossier=1427&IDCat=353&IDCatPa=262.
From a historic perspective, 100% financing on single family residence purchase was done in response to inner city turmoil and riots in the late 1990s. When people buy homes, they invest in their communities and are less apt to be destroy their surrounding. Los Angeles has benefited with ghettos areas improving. Today, 100% is under pressure to financially perform
A concern is we react to short term finance concerns by throwing out the baby with the bathwater and making it difficult for people to buy at all. We risk further disenfranchising people, who might again decide rioting is a good idea to make their voice heard as they have no vested interests.
Innovative housing solutions should an option to better proportion housing for people's budgets, where the traditional single family residence requires larger uses of resources for all stakeholders.
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