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Ten Steps to Affordable Housing. The New Circuit of Credit by Roger Lewis at Abbey's Bookshop,
Ten Steps to Affordable Housing. The New Circuit of Credit
— —
Roger Lewis

Ten Steps to Affordable Housing. The New Circuit of Credit

Roger Lewis

$47.95   $40.38

Paperback

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English
Roger Lewis
07 July 2025
Architecture; Architectural structure & design; City & town planning - architectural aspects; Building construction & materials
Series: The Circle of Blame
Book Overview: Ten Pathways to Affordable Housing

Subtitle: Breaking the Circle of Blame in Housing Policy Author: Roger Lewis

Core Thesis

The book argues that the affordable housing crisis stems from systemic design flaws, not market failure. Through 10 evidence-based pathways, it demonstrates how communities can reclaim housing from financialization and transform it into equitable infrastructure.

Key Themes & Pathways

Regulatory Reform Revolution

Problem: Zoning laws, NIMBYism (""Not In My Backyard""), and bureaucratic barriers block affordable development (HUD, 1991). Solution: State-led overrides of exclusionary local policies (e.g., California's RHNA quotas).

Decommodification Models

Community Land Trusts (CLTs): Remove land from speculation. Public Credit Systems: Replicate North Dakota's state bank to fund housing without predatory debt.

Climate-Policy Integration

Problem: ""Green"" regulations inflate costs without addressing housing shortages (Chapman University, 2024). Solution: Pair density bonuses with sustainability mandates (e.g., transit-oriented development).

University-Community Partnerships

Case Study: Universities as anchors for equitable development, countering displacement (American Bar Association, 2024).

Financial Reengineering

Replace interest-based financing with community-controlled credit, slashing the 77% interest burden (Creutz, 2010).

Pattern Language Design

Apply Christopher Alexander's architectural principles for human-centered, livable communities.

Blockchain Governance

Transparent, resident-led decision-making for democratic development.

Carbon-Neutral Affordable Housing

Integrate renewable energy (solar, biogas) to cut costs via carbon credits.

Inclusionary Zoning 2.0

Mandate affordable units in market-rate projects while avoiding supply reduction (CQ Researcher, 2018).

Disaster-Resilient Communities

Post-crisis rebuilding models that prioritize equity (e.g., rejecting New Orleans-style ""disaster capitalism"").
By:  
Imprint:   Roger Lewis
Volume:   1
Dimensions:   Height: 216mm,  Width: 140mm,  Spine: 7mm
Weight:   150g
ISBN:   9798231504572
Series:   The Circle of Blame
Pages:   122
Publication Date:  
Audience:   General/trade ,  ELT Advanced
Format:   Paperback
Publisher's Status:   Active

Heading into what is statistically the last quarter of my life I have been establishing my affordable housebuilding Company Home@ix . A lot has happened in my 60 years and indeed I have learned a great deal in the Last 5 years, shocking, disspiriting, disappointing, things but also with some blessings, which we should all count one by one and cherish dearly. https: //grubstreetinexile.substack.com/about

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