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A working paper exploring the unsubsidized affordable housing or naturally occurring affordable housing (NOAH) phenomenon. The paper derives learnings from interviews conducted with practitioners, funders, developers and policymakers. Those learnings are also rooted in data on the NOAH stock and the types of markets wherein NOAH seems to be most effectively created. The paper concludes with a thought experiment about how the power of the market could be harnessed to support the production and preservation of NOAH for modest-income households in a way that is both responsive to the realities of the housing market in general as well as to local market conditions.

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