Why does building “affordable” housing cost so much in the built environment? From land prices to loan rates, construction inflation to endless permitting, Alex and Libo break down the true costs of creating homes and why the system often works against the very people it is meant to help. They unpack how financing, regulation, and risk collide, what makes America’s housing model unique, and what simple reforms could unlock more livable and affordable cities for everyone.

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Keywords

affordable housing crisis, built environment, housing policy, real estate development, construction costs, architecture, urban design, cities, zoning reform, housing finance, interest rates, pro forma explained

Chapters

00:00 Understanding Affordable Housing Costs02:29 The Role of Pro Forma in Housing Development05:49 Financing Affordable Housing Projects09:58 Impact of Rising Costs on Housing Development16:18 Government's Role in Affordable Housing20:29 Streamlining the Permitting Process23:13 Changing Perspectives on Housing Development