08/06/2026
A city votes YES on housing. Everyone celebrates. Then… nothing gets built for five years. Why?
walks through the four hurdles between approval and move-in day:
1️⃣ Zoning — land that’s buildable in every physical sense, but off-limits by rule. Redesignation alone can take 1–2 years.
2️⃣ Financing — affordable projects often need 7–12 funding sources to close. One investor pulls out, and the whole capital stack can unravel.
3️⃣ Community review — hearings that can stretch on for years, with the costs landing on the people still waiting for housing.
4️⃣ Permitting — clear every hurdle above, then get in line at City Hall. Backlogs in some cities add 12–18 months.
Stack them together and five years is what “everything going right” looks like.
The takeaway: these are policy problems — and policy problems have policy solutions. But you can’t fix what you can’t name.
Which hurdle should we break down next? 👇