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.
Ira Goldstein is Principal and Founder of IJG Urban Advisors, LLC, (IJGUA), a consultancy that focuses on issues broadly within the housing and community development subject matter. IJGUA provides research and data-based advice and counsel on questions that practitioners, investors (for- and not-for-profit) and policymakers tackle as they design and evaluate policies, programs, and investments.
Emily Dowdall is President of Policy Solutions at Reinvestment Fund. She works with government, philanthropic, nonprofit, and other civic leaders across the country to support strategic decision-making to strengthen communities. Ms. Dowdall leads a team of skilled analysts in conducting research and building analytic tools that help stakeholders implement effective interventions and address entrenched challenges. Her expertise includes approaches to understanding and intervening in housing markets, strategies to stabilize households and neighborhoods, affordable housing needs, fair housing, early child education access, and program evaluation.
Jacob Rosch conducts quantitative and qualitative research at Reinvestment Fund. He leads projects to help philanthropic, government, and private investors design strategies to support the expansion of high-quality child care, build healthy and thriving communities, and improve the lives of residents and families in disadvantaged communities.
Kevin Reeves is the Director of Impact and Portfolio Analytics at Reinvestment Fund, where he leads impact measurement, portfolio evaluation, and risk analysis across affordable housing, community facility, and clean energy investments. He holds a Master of City Planning from the University of Pennsylvania.
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