<?xml version="1.0" encoding="UTF-8"?><rss xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:atom="http://www.w3.org/2005/Atom" version="2.0" xmlns:itunes="http://www.itunes.com/dtds/podcast-1.0.dtd" xmlns:googleplay="http://www.google.com/schemas/play-podcasts/1.0"><channel><title><![CDATA[OneMillion.Homes: IMPOSSIBLE HOUSING]]></title><description><![CDATA[Impossible Housing is the belief that cities can’t build at scale where housing is needed most—so they keep producing too little while calling it progress. This Substack shows the gap with receipts and shares a practical playbook to move from one-off projects to critical-mass housing production.]]></description><link>https://news.onemillion.homes/s/impossible-housing</link><image><url>https://substackcdn.com/image/fetch/$s_!O6RW!,w_256,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F78659fcf-3591-4e1c-89e7-c90c6494360f_750x750.png</url><title>OneMillion.Homes: IMPOSSIBLE HOUSING</title><link>https://news.onemillion.homes/s/impossible-housing</link></image><generator>Substack</generator><lastBuildDate>Mon, 27 Apr 2026 22:50:52 GMT</lastBuildDate><atom:link href="https://news.onemillion.homes/feed" rel="self" type="application/rss+xml"/><copyright><![CDATA[Together.Homes Cooperative]]></copyright><language><![CDATA[en]]></language><webMaster><![CDATA[onemillionhomes@substack.com]]></webMaster><itunes:owner><itunes:email><![CDATA[onemillionhomes@substack.com]]></itunes:email><itunes:name><![CDATA[OneMillion.Homes]]></itunes:name></itunes:owner><itunes:author><![CDATA[OneMillion.Homes]]></itunes:author><googleplay:owner><![CDATA[onemillionhomes@substack.com]]></googleplay:owner><googleplay:email><![CDATA[onemillionhomes@substack.com]]></googleplay:email><googleplay:author><![CDATA[OneMillion.Homes]]></googleplay:author><itunes:block><![CDATA[Yes]]></itunes:block><item><title><![CDATA[BLIGHT 3.0 - The 2031 Cul-De-Sac Collapse]]></title><description><![CDATA[IMPOSSIBLE HOUSING IS SPREADING --- The next affordable homeownership crisis won&#8217;t start in the urban core &#8212; it&#8217;s coming to the suburbs next.]]></description><link>https://news.onemillion.homes/p/blight-30-the-2031-cul-de-sac-collapse</link><guid isPermaLink="false">https://news.onemillion.homes/p/blight-30-the-2031-cul-de-sac-collapse</guid><dc:creator><![CDATA[OneMillion.Homes]]></dc:creator><pubDate>Sat, 14 Feb 2026 23:14:32 GMT</pubDate><enclosure url="https://substack-post-media.s3.amazonaws.com/public/images/7cd5e339-aafe-42bf-a060-24c195d525f7_1856x1044.png" length="0" type="image/jpeg"/><content:encoded><![CDATA[<h1>IMPOSSIBLE HOUSING MAY BE COMING TO A NEIGHBORHOOD NEAR YOU.</h1><h3>Blight 3.0 won&#8217;t arrive as headlines. <br>Blight 3.0 will arrive on the balance sheet:</h3><h4><br>From the corporate balance sheet. <br>To the your household balance sheet.<br>To the regions balance sheet. </h4><h3>Countdown to 2031: started.</h3><div class="subscription-widget-wrap-editor" data-attrs="{&quot;url&quot;:&quot;https://news.onemillion.homes/subscribe?&quot;,&quot;text&quot;:&quot;Subscribe&quot;,&quot;language&quot;:&quot;en&quot;}" data-component-name="SubscribeWidgetToDOM"><div class="subscription-widget show-subscribe"><div class="preamble"><p class="cta-caption">Dive into the following hot-take! Subscribe for free to receive new posts and support our work.</p></div><form class="subscription-widget-subscribe"><input type="email" class="email-input" name="email" placeholder="Type your email&#8230;" tabindex="-1"><input type="submit" class="button primary" value="Subscribe"><div class="fake-input-wrapper"><div class="fake-input"></div><div class="fake-button"></div></div></form></div></div><p></p><div class="captioned-image-container"><figure><a class="image-link image2 is-viewable-img" target="_blank" href="https://substackcdn.com/image/fetch/$s_!tQjB!,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F816b3159-6e99-4aaa-afce-b3b1b754f88b_1856x2304.png" data-component-name="Image2ToDOM"><div class="image2-inset"><picture><source type="image/webp" srcset="https://substackcdn.com/image/fetch/$s_!tQjB!,w_424,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F816b3159-6e99-4aaa-afce-b3b1b754f88b_1856x2304.png 424w, https://substackcdn.com/image/fetch/$s_!tQjB!,w_848,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F816b3159-6e99-4aaa-afce-b3b1b754f88b_1856x2304.png 848w, https://substackcdn.com/image/fetch/$s_!tQjB!,w_1272,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F816b3159-6e99-4aaa-afce-b3b1b754f88b_1856x2304.png 1272w, https://substackcdn.com/image/fetch/$s_!tQjB!,w_1456,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F816b3159-6e99-4aaa-afce-b3b1b754f88b_1856x2304.png 1456w" sizes="100vw"><img src="https://substackcdn.com/image/fetch/$s_!tQjB!,w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F816b3159-6e99-4aaa-afce-b3b1b754f88b_1856x2304.png" width="1456" height="1807" data-attrs="{&quot;src&quot;:&quot;https://substack-post-media.s3.amazonaws.com/public/images/816b3159-6e99-4aaa-afce-b3b1b754f88b_1856x2304.png&quot;,&quot;srcNoWatermark&quot;:null,&quot;fullscreen&quot;:null,&quot;imageSize&quot;:null,&quot;height&quot;:1807,&quot;width&quot;:1456,&quot;resizeWidth&quot;:null,&quot;bytes&quot;:8621041,&quot;alt&quot;:null,&quot;title&quot;:null,&quot;type&quot;:&quot;image/png&quot;,&quot;href&quot;:null,&quot;belowTheFold&quot;:false,&quot;topImage&quot;:true,&quot;internalRedirect&quot;:&quot;https://news.onemillion.homes/i/187969488?img=https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F816b3159-6e99-4aaa-afce-b3b1b754f88b_1856x2304.png&quot;,&quot;isProcessing&quot;:false,&quot;align&quot;:null,&quot;offset&quot;:false}" class="sizing-normal" alt="" srcset="https://substackcdn.com/image/fetch/$s_!tQjB!,w_424,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F816b3159-6e99-4aaa-afce-b3b1b754f88b_1856x2304.png 424w, https://substackcdn.com/image/fetch/$s_!tQjB!,w_848,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F816b3159-6e99-4aaa-afce-b3b1b754f88b_1856x2304.png 848w, https://substackcdn.com/image/fetch/$s_!tQjB!,w_1272,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F816b3159-6e99-4aaa-afce-b3b1b754f88b_1856x2304.png 1272w, https://substackcdn.com/image/fetch/$s_!tQjB!,w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F816b3159-6e99-4aaa-afce-b3b1b754f88b_1856x2304.png 1456w" sizes="100vw" fetchpriority="high"></picture><div class="image-link-expand"><div class="pencraft pc-display-flex pc-gap-8 pc-reset"><button tabindex="0" type="button" class="pencraft pc-reset pencraft icon-container restack-image"><svg role="img" width="20" height="20" viewBox="0 0 20 20" fill="none" stroke-width="1.5" stroke="var(--color-fg-primary)" stroke-linecap="round" stroke-linejoin="round" xmlns="http://www.w3.org/2000/svg"><g><title></title><path d="M2.53001 7.81595C3.49179 4.73911 6.43281 2.5 9.91173 2.5C13.1684 2.5 15.9537 4.46214 17.0852 7.23684L17.6179 8.67647M17.6179 8.67647L18.5002 4.26471M17.6179 8.67647L13.6473 6.91176M17.4995 12.1841C16.5378 15.2609 13.5967 17.5 10.1178 17.5C6.86118 17.5 4.07589 15.5379 2.94432 12.7632L2.41165 11.3235M2.41165 11.3235L1.5293 15.7353M2.41165 11.3235L6.38224 13.0882"></path></g></svg></button><button tabindex="0" type="button" class="pencraft pc-reset pencraft icon-container view-image"><svg xmlns="http://www.w3.org/2000/svg" width="20" height="20" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-maximize2 lucide-maximize-2"><polyline points="15 3 21 3 21 9"></polyline><polyline points="9 21 3 21 3 15"></polyline><line x1="21" x2="14" y1="3" y2="10"></line><line x1="3" x2="10" y1="21" y2="14"></line></svg></button></div></div></div></a></figure></div><h1>WHAT IS BLIGHT?</h1><p>Blight is deterioration.<br>Dilapidation.<br>Decay. (Merriam-Webster)</p><p>It&#8217;s easy to think &#8220;blight&#8221; is only associated with a property, a house, an old building, or an area&#8230; like the &#8220;urban core / inner city.&#8221;</p><p>The dictionary commonly calls out &#8220;urban blight&#8221; because that&#8217;s where we&#8217;ve been trained to expect it:<br><br>Boarded windows. Vacant buildings. Trash filled streets. &#8220;Those parts of the city.&#8221;</p><p>But a place can look &#8220;fine&#8221; while the blight process is already underway.<br>Source (<a href="https://www.merriam-webster.com/dictionary/blight">definition + &#8220;urban blight&#8221; usage</a>): </p><div class="pullquote"><h4>Because blight isn&#8217;t a location.</h4><h4>Blight is a process that leads to a state of being.</h4></div><p>And in the next era of blight&#8212;Blight 3.0&#8212;that process doesn&#8217;t show up with sirens and gunshots.</p><p><strong>Blight 3.0 will show itself on corporate balance sheets, as companies are forced to transition to an AI workforce&#8230; or go out of business.</strong></p><p>It shows up in:</p><ul><li><p>A missed payment you don&#8217;t tell your neighbors about</p></li><li><p>A &#8220;temporary&#8221; forbearance that becomes a year</p></li><li><p>A quiet forced sale that resets the comps</p></li><li><p>An HOA newsletter that gets more urgent every month</p></li></ul><p>A quiet chain reaction behind closed doors that blindsides comfortable households&#8230; and destabilizes entire regions.</p><h3>SILENT CRISIS: ALREADY IN PROCESS.</h3><h4>Not because households are collapsing already &#8212; but because corporations are already choosing efficiency over headcount.</h4><p></p><p>&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;</p><div><hr></div><p>&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;</p><p></p><h1>HOT TAKE #1 of 11 FOR KC METRO</h1><blockquote><h3>KC METRO IS 7TH HIGHEST IN THE NATION FOR AI JOB DISPLACEMENT.</h3><h3>THE CUL-DE-SACS WILL THE NEW BLIGHT 3.0 HQ. </h3></blockquote><p>The cul-de-sac isn&#8217;t immune &#8212; it&#8217;s next, because Impossible Housing spreads fastest where household math is tight.</p><p>A metro-by-metro analysis by (<a href="https://blog.uncommonlogic.com/insights/cities-with-the-most-workers-at-risk-of-ai-job-displacement">(un)Common Logic in 2024.</a>), cited in local reporting by <a href="https://flatlandkc.org/economic-opportunity/new-report-estimates-ai-could-displace-110000-kansas-city-jobs/">Flatland KC</a>, estimates that 10.2% of the Kansas City area workforce&#8212;about 110,000 workers&#8212;is at risk of AI-related job displacement, the seventh-highest exposure among large metropolitan areas.<br>Source: </p><p>Read that again.<br>110,000.<br>Not &#8220;some jobs.&#8221;<br>Not &#8220;a sector.&#8221;<br>A slice of an entire region.</p><h3>WHITE-COLLAR AI TAKEOVER</h3><p>A deeper dive into the data: AI&#8217;s zeros and ones are not coming for our plumbers or your performing artists. <br><br>It&#8217;s coming for a much more &#8220;protected&#8221; class of Kansas Citians.</p><p>The &#8220;industry&#8221; of the KC metro is professional services and support:<br>Lawyers. Accountants. Healthcare. Telecom.<br>And we already know what&#8217;s been happening to major firms pre-AI.</p><p><strong>Now set your clock to September 7, 2031.</strong></p><p><strong>The Chiefs&#8217; home opener in a shiny new domed stadium to start the 2031 season.</strong></p><p>By the time the ribbon gets cut and the cameras pan across &#8220;the future,&#8221;</p><h4>THE OLDER ECONOMIC MATH THAT BUILT THE SUBURBS <br>WILL ALREADY BE UNDER PRESSURE.</h4><div class="pullquote"><h3>NOT BECAUSE THOSE <br>NEIGHBORHOODS ARE UNDESIRABLE.<br><em>BECAUSE THE HOUSEHOLDS ARE UNDERWATER.</em></h3></div><p>The suburbs aren&#8217;t fragile because they&#8217;re weak.<br><br>They&#8217;re fragile because the math is tight.</p><h3>One white-collar family:</h3><ol><li><p>A $550,000 mortgage. </p></li><li><p>Two car payments. </p></li><li><p>Childcare. </p></li><li><p>Insurance. </p></li><li><p>Groceries that don&#8217;t stop climbing.</p></li></ol><h3>One income is displaced by AI (layoff, cut, consilidation):</h3><ol><li><p>Six months later, the savings are gone.</p></li><li><p>The mortgage becomes the domino</p></li><li><p>Twelve months later, the forced sale resets comps.</p></li><li><p>Eighteen months later, the &#8220;safe neighborhood&#8221; has a new baseline price.</p></li></ol><h3>NOW SCALE IT.</h3><p>If 50 families in one subdivision get hit with layoffs, that&#8217;s not &#8220;a few bad situations.&#8221; That&#8217;s a neighborhood devaluation event. </p><p>One house loss blights a family. Fifty homes blight a neighborhood. A few neighborhoods blight a district. And a few districts blight a region&#8217;s economy.</p><p>That&#8217;s how blight spreads when it wears a clean white-collar shirt.</p><p></p><p>&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;</p><div><hr></div><p>&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;</p><h1>THE PATTERN: </h1><h1>BLIGHT 1.0 &#8594; BLIGHT 2.0 &#8594; BLIGHT 3.0</h1><p>If this feels dramatic, it&#8217;s because you&#8217;re picturing blight as a place you don&#8217;t live.</p><p>&#8220;Not In My Backyard&#8221; people are the ones who do not want affordable housing&#8212;or even the mention of it&#8212;within their community.<br>I believe they&#8217;re the most prone to disruption&#8230; and the ones who will need it most when AI&#8217;s zeros and ones hit the fan.</p><p>I&#8217;m describing blight as a pattern any geography can catch.</p><p>Kansas City has already lived through two versions of it.<br>And if you dismiss those as &#8220;old history,&#8221; you&#8217;re training yourself to miss what&#8217;s coming next.</p><p>&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;</p><div><hr></div><p>&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;</p><h1>BLIGHT 1.0 &#8212; DEVALUATION BY SKIN COLOR (REDLINING)</h1><h3>1906 - 1964</h3><p>Blight 1.0 wasn&#8217;t just discrimination.<br>It was economic shutdown by design.</p><p>Kansas City&#8217;s most celebrated development era also entrenched its deepest divides.<br>Local reporting documents how J.C. Nichols used deed restrictions that excluded Black residents (and others) and helped cement the city&#8217;s racial and economic separation. <a href="https://www.kcur.org/arts-life/2020-06-12/who-was-j-c-nichols-the-mixed-legacy-of-the-man-whose-name-could-be-taken-off-kansas-citys-most-famous-fountain">Source Here</a></p><p>And here&#8217;s the part most people still miss:</p><p>Housing was the face of the redlining movement. Economy was the sinister heart. </p><p>From 1932 to 1964 Kansas City used housing production as an economic engine. </p><p>In 28 years, KC Metro produced 77,000 homes, $39 Billion in direct housing production and over $1.1 Trillion in ripple economic impact for 28 years.</p><p><strong>&#8220;less than 1% went to negros as they were deemed high-risk.&#8221;</strong> </p><p>Instead of 77,000 homes, only 770. </p><p>Instead of $39 Billion, only $390 Million. </p><div class="pullquote"><h3>URBAN HOUSING WAS <br>THE PUBLIC EXCLUSION. </h3><h3>THE SUBURBAN ECONOMY WAS <br>THE PRIVATE BENEFICIARY.</h3></div><div class="captioned-image-container"><figure><a class="image-link image2 is-viewable-img" target="_blank" href="https://substackcdn.com/image/fetch/$s_!fSin!,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F173c4b45-742f-407b-878d-ec95828b42bb_965x822.png" data-component-name="Image2ToDOM"><div class="image2-inset"><picture><source type="image/webp" srcset="https://substackcdn.com/image/fetch/$s_!fSin!,w_424,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F173c4b45-742f-407b-878d-ec95828b42bb_965x822.png 424w, https://substackcdn.com/image/fetch/$s_!fSin!,w_848,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F173c4b45-742f-407b-878d-ec95828b42bb_965x822.png 848w, https://substackcdn.com/image/fetch/$s_!fSin!,w_1272,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F173c4b45-742f-407b-878d-ec95828b42bb_965x822.png 1272w, https://substackcdn.com/image/fetch/$s_!fSin!,w_1456,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F173c4b45-742f-407b-878d-ec95828b42bb_965x822.png 1456w" sizes="100vw"><img src="https://substackcdn.com/image/fetch/$s_!fSin!,w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F173c4b45-742f-407b-878d-ec95828b42bb_965x822.png" width="965" height="822" data-attrs="{&quot;src&quot;:&quot;https://substack-post-media.s3.amazonaws.com/public/images/173c4b45-742f-407b-878d-ec95828b42bb_965x822.png&quot;,&quot;srcNoWatermark&quot;:null,&quot;fullscreen&quot;:null,&quot;imageSize&quot;:null,&quot;height&quot;:822,&quot;width&quot;:965,&quot;resizeWidth&quot;:null,&quot;bytes&quot;:null,&quot;alt&quot;:&quot;This property deed abstract contains a list of restrictions for the property&#8217;s use, including a racially restrictive covenant outlined in red. Homes in Roeland Park, built by Charles E. Vawter, were built to meet FHA requirements. Johnson County Museum.&quot;,&quot;title&quot;:null,&quot;type&quot;:null,&quot;href&quot;:null,&quot;belowTheFold&quot;:true,&quot;topImage&quot;:false,&quot;internalRedirect&quot;:null,&quot;isProcessing&quot;:false,&quot;align&quot;:null,&quot;offset&quot;:false}" class="sizing-normal" alt="This property deed abstract contains a list of restrictions for the property&#8217;s use, including a racially restrictive covenant outlined in red. Homes in Roeland Park, built by Charles E. Vawter, were built to meet FHA requirements. Johnson County Museum." title="This property deed abstract contains a list of restrictions for the property&#8217;s use, including a racially restrictive covenant outlined in red. Homes in Roeland Park, built by Charles E. Vawter, were built to meet FHA requirements. Johnson County Museum." srcset="https://substackcdn.com/image/fetch/$s_!fSin!,w_424,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F173c4b45-742f-407b-878d-ec95828b42bb_965x822.png 424w, https://substackcdn.com/image/fetch/$s_!fSin!,w_848,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F173c4b45-742f-407b-878d-ec95828b42bb_965x822.png 848w, https://substackcdn.com/image/fetch/$s_!fSin!,w_1272,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F173c4b45-742f-407b-878d-ec95828b42bb_965x822.png 1272w, https://substackcdn.com/image/fetch/$s_!fSin!,w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F173c4b45-742f-407b-878d-ec95828b42bb_965x822.png 1456w" sizes="100vw" loading="lazy"></picture><div class="image-link-expand"><div class="pencraft pc-display-flex pc-gap-8 pc-reset"><button tabindex="0" type="button" class="pencraft pc-reset pencraft icon-container restack-image"><svg role="img" width="20" height="20" viewBox="0 0 20 20" fill="none" stroke-width="1.5" stroke="var(--color-fg-primary)" stroke-linecap="round" stroke-linejoin="round" xmlns="http://www.w3.org/2000/svg"><g><title></title><path d="M2.53001 7.81595C3.49179 4.73911 6.43281 2.5 9.91173 2.5C13.1684 2.5 15.9537 4.46214 17.0852 7.23684L17.6179 8.67647M17.6179 8.67647L18.5002 4.26471M17.6179 8.67647L13.6473 6.91176M17.4995 12.1841C16.5378 15.2609 13.5967 17.5 10.1178 17.5C6.86118 17.5 4.07589 15.5379 2.94432 12.7632L2.41165 11.3235M2.41165 11.3235L1.5293 15.7353M2.41165 11.3235L6.38224 13.0882"></path></g></svg></button><button tabindex="0" type="button" class="pencraft pc-reset pencraft icon-container view-image"><svg xmlns="http://www.w3.org/2000/svg" width="20" height="20" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-maximize2 lucide-maximize-2"><polyline points="15 3 21 3 21 9"></polyline><polyline points="9 21 3 21 3 15"></polyline><line x1="21" x2="14" y1="3" y2="10"></line><line x1="3" x2="10" y1="21" y2="14"></line></svg></button></div></div></div></a><figcaption class="image-caption"><em>This property deed abstract contains a list of restrictions for the property&#8217;s use, including a racially restrictive covenant outlined in red. Homes in Roeland Park, Kansas, built by Charles E. Vawter, were built to meet FHA requirements. Johnson County Museum. </em></figcaption></figure></div><p>In the wider metro, federal mortgage programs reinforced this structure. Johnson County documentation notes that by 1950, suburban developments there were 96% racially restricted&#8212;148 of 154 developments open only to white home buyers. Source: <a href="https://www.jocogov.org/joco-magazine/spring-2025/johnson-countys-pioneering-fair-housing-advocates">https://www.jocogov.org/joco-magazine/spring-2025/johnson-countys-pioneering-fair-housing-advocates</a></p><p>When housing lost value: &#8226; families lost stability &#8226; businesses lost customers &#8226; services withdrew &#8226; jobs moved &#8226; tax bases shrank &#8226; tax bases moved to strength other communities. </p><p>That&#8217;s why redlining wasn&#8217;t just housing policy.</p><p>It was the shutdown of one economy so another economy could compound.</p><p>&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;</p><div><hr></div><p>&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;</p><h1>BLIGHT 2.0 &#8212; DEVALUATION BY POLICY (&#8220;RISK&#8221; WITHOUT SAYING RACE)</h1><h3>1962 &#8594; TODAY</h3><p>Blight 2.0 couldn&#8217;t use race written into the rules.<br>That&#8217;s illegal.</p><p>But it could rebrand as &#8220;risk,&#8221; and that&#8217;s super legal.</p><p>Today, Blight 2.0 uses &#8220;risk logic&#8221;&#8212;underwriting, appraisals, incentives, and policy constraints&#8212;to keep defining the same places as high-risk and low-return.</p><p>The outcome stayed the same.<br>New housing production dropped.<br>The economy followed.</p><p>And because the economy can&#8217;t reach critical mass, it can&#8217;t recover.<br>&#8220;That part of town&#8221; stays that part of town.</p><p>Blight 2.0 is the secret sauce that keeps the grass greener in other communities.</p><p>Blight 2.0 is how the story keeps repeating even after everyone agrees the first chapter was wrong.</p><p>&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;</p><div><hr></div><p>&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;</p><h1>BLIGHT 3.0 &#8212; DEVALUATION BY EFFICIENCY (THE WHITE-COLLAR RECESSION)</h1><h3>2026 &#8594; BEYOND (IT&#8217;S ALREADY SHOWING UP)</h3><p>We recently had lunch with a friend who worked for a major company that was once headquartered here in Kansas City.<br>He survived layoff after layoff after layoff over the past seven to ten years.<br>Not because he was failing.<br>Because the machine kept getting better.</p><p>This is the part that changes everything:</p><p>Blight 3.0 doesn&#8217;t need to &#8220;see color.&#8221;<br>It doesn&#8217;t need to draw a line on a map.</p><p>It targets ones and zeros.<br>Lines of code.<br>Efficiency.</p><p>&#8220;I DON&#8217;T SEE COLOR,&#8221; says Blight 3.0.</p><p>And that&#8217;s why it&#8217;s dangerous.</p><p>Because when the displacement hits white-collar work, it hits the mortgage base.<br>And when the mortgage base cracks, it hits everything else.</p><p>Kansas City&#8217;s own AI displacement estimate isn&#8217;t coming from nowhere.<br><a href="https://flatlandkc.org/economic-opportunity/new-report-estimates-ai-could-displace-110000-kansas-city-jobs/">The Flatland KC reporting </a>(citing (un)Common Logic) describes how AI can compress labor needs&#8212;&#8220;if it took five accountants to handle a particular task, with AI, it&#8217;s down to one.&#8221; </p><p>&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;</p><div><hr></div><p>&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;</p><h1>AI Is On Track Regardless If You Are Prepared Or Not. </h1><p>And broader AI forecasting work is explicitly modeling a near-future world where AI systems become dramatically better and cheaper at coding and other knowledge tasks.<br>Sources (AI Futures Project / AI 2027 scenario + takeoff model):</p><div class="captioned-image-container"><figure><a class="image-link image2 is-viewable-img" target="_blank" href="https://substackcdn.com/image/fetch/$s_!7Z6R!,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F72c7716a-bec0-42f3-be21-b344d5b3f2f5_497x438.png" data-component-name="Image2ToDOM"><div class="image2-inset"><picture><source type="image/webp" srcset="https://substackcdn.com/image/fetch/$s_!7Z6R!,w_424,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F72c7716a-bec0-42f3-be21-b344d5b3f2f5_497x438.png 424w, https://substackcdn.com/image/fetch/$s_!7Z6R!,w_848,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F72c7716a-bec0-42f3-be21-b344d5b3f2f5_497x438.png 848w, https://substackcdn.com/image/fetch/$s_!7Z6R!,w_1272,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F72c7716a-bec0-42f3-be21-b344d5b3f2f5_497x438.png 1272w, https://substackcdn.com/image/fetch/$s_!7Z6R!,w_1456,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F72c7716a-bec0-42f3-be21-b344d5b3f2f5_497x438.png 1456w" sizes="100vw"><img src="https://substackcdn.com/image/fetch/$s_!7Z6R!,w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F72c7716a-bec0-42f3-be21-b344d5b3f2f5_497x438.png" width="497" height="438" data-attrs="{&quot;src&quot;:&quot;https://substack-post-media.s3.amazonaws.com/public/images/72c7716a-bec0-42f3-be21-b344d5b3f2f5_497x438.png&quot;,&quot;srcNoWatermark&quot;:null,&quot;fullscreen&quot;:null,&quot;imageSize&quot;:null,&quot;height&quot;:438,&quot;width&quot;:497,&quot;resizeWidth&quot;:null,&quot;bytes&quot;:44878,&quot;alt&quot;:null,&quot;title&quot;:null,&quot;type&quot;:&quot;image/png&quot;,&quot;href&quot;:null,&quot;belowTheFold&quot;:true,&quot;topImage&quot;:false,&quot;internalRedirect&quot;:&quot;https://news.onemillion.homes/i/187969488?img=https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F72c7716a-bec0-42f3-be21-b344d5b3f2f5_497x438.png&quot;,&quot;isProcessing&quot;:false,&quot;align&quot;:null,&quot;offset&quot;:false}" class="sizing-normal" alt="" srcset="https://substackcdn.com/image/fetch/$s_!7Z6R!,w_424,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F72c7716a-bec0-42f3-be21-b344d5b3f2f5_497x438.png 424w, https://substackcdn.com/image/fetch/$s_!7Z6R!,w_848,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F72c7716a-bec0-42f3-be21-b344d5b3f2f5_497x438.png 848w, https://substackcdn.com/image/fetch/$s_!7Z6R!,w_1272,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F72c7716a-bec0-42f3-be21-b344d5b3f2f5_497x438.png 1272w, https://substackcdn.com/image/fetch/$s_!7Z6R!,w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F72c7716a-bec0-42f3-be21-b344d5b3f2f5_497x438.png 1456w" sizes="100vw" loading="lazy"></picture><div class="image-link-expand"><div class="pencraft pc-display-flex pc-gap-8 pc-reset"><button tabindex="0" type="button" class="pencraft pc-reset pencraft icon-container restack-image"><svg role="img" width="20" height="20" viewBox="0 0 20 20" fill="none" stroke-width="1.5" stroke="var(--color-fg-primary)" stroke-linecap="round" stroke-linejoin="round" xmlns="http://www.w3.org/2000/svg"><g><title></title><path d="M2.53001 7.81595C3.49179 4.73911 6.43281 2.5 9.91173 2.5C13.1684 2.5 15.9537 4.46214 17.0852 7.23684L17.6179 8.67647M17.6179 8.67647L18.5002 4.26471M17.6179 8.67647L13.6473 6.91176M17.4995 12.1841C16.5378 15.2609 13.5967 17.5 10.1178 17.5C6.86118 17.5 4.07589 15.5379 2.94432 12.7632L2.41165 11.3235M2.41165 11.3235L1.5293 15.7353M2.41165 11.3235L6.38224 13.0882"></path></g></svg></button><button tabindex="0" type="button" class="pencraft pc-reset pencraft icon-container view-image"><svg xmlns="http://www.w3.org/2000/svg" width="20" height="20" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-maximize2 lucide-maximize-2"><polyline points="15 3 21 3 21 9"></polyline><polyline points="9 21 3 21 3 15"></polyline><line x1="21" x2="14" y1="3" y2="10"></line><line x1="3" x2="10" y1="21" y2="14"></line></svg></button></div></div></div></a></figure></div><p>The Change In AI between April 2026 - October 2027 doesn&#8217;t just affect coders. It affects us all. </p><div class="captioned-image-container"><figure><a class="image-link image2 is-viewable-img" target="_blank" href="https://substackcdn.com/image/fetch/$s_!JR-b!,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F0f6ab5db-1c01-4828-aa61-0976d983e766_463x531.png" data-component-name="Image2ToDOM"><div class="image2-inset"><picture><source type="image/webp" srcset="https://substackcdn.com/image/fetch/$s_!JR-b!,w_424,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F0f6ab5db-1c01-4828-aa61-0976d983e766_463x531.png 424w, https://substackcdn.com/image/fetch/$s_!JR-b!,w_848,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F0f6ab5db-1c01-4828-aa61-0976d983e766_463x531.png 848w, https://substackcdn.com/image/fetch/$s_!JR-b!,w_1272,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F0f6ab5db-1c01-4828-aa61-0976d983e766_463x531.png 1272w, https://substackcdn.com/image/fetch/$s_!JR-b!,w_1456,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F0f6ab5db-1c01-4828-aa61-0976d983e766_463x531.png 1456w" sizes="100vw"><img src="https://substackcdn.com/image/fetch/$s_!JR-b!,w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F0f6ab5db-1c01-4828-aa61-0976d983e766_463x531.png" width="463" height="531" data-attrs="{&quot;src&quot;:&quot;https://substack-post-media.s3.amazonaws.com/public/images/0f6ab5db-1c01-4828-aa61-0976d983e766_463x531.png&quot;,&quot;srcNoWatermark&quot;:null,&quot;fullscreen&quot;:null,&quot;imageSize&quot;:null,&quot;height&quot;:531,&quot;width&quot;:463,&quot;resizeWidth&quot;:null,&quot;bytes&quot;:55974,&quot;alt&quot;:null,&quot;title&quot;:null,&quot;type&quot;:&quot;image/png&quot;,&quot;href&quot;:null,&quot;belowTheFold&quot;:true,&quot;topImage&quot;:false,&quot;internalRedirect&quot;:&quot;https://news.onemillion.homes/i/187969488?img=https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F0f6ab5db-1c01-4828-aa61-0976d983e766_463x531.png&quot;,&quot;isProcessing&quot;:false,&quot;align&quot;:null,&quot;offset&quot;:false}" class="sizing-normal" alt="" srcset="https://substackcdn.com/image/fetch/$s_!JR-b!,w_424,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F0f6ab5db-1c01-4828-aa61-0976d983e766_463x531.png 424w, https://substackcdn.com/image/fetch/$s_!JR-b!,w_848,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F0f6ab5db-1c01-4828-aa61-0976d983e766_463x531.png 848w, https://substackcdn.com/image/fetch/$s_!JR-b!,w_1272,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F0f6ab5db-1c01-4828-aa61-0976d983e766_463x531.png 1272w, https://substackcdn.com/image/fetch/$s_!JR-b!,w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F0f6ab5db-1c01-4828-aa61-0976d983e766_463x531.png 1456w" sizes="100vw" loading="lazy"></picture><div class="image-link-expand"><div class="pencraft pc-display-flex pc-gap-8 pc-reset"><button tabindex="0" type="button" class="pencraft pc-reset pencraft icon-container restack-image"><svg role="img" width="20" height="20" viewBox="0 0 20 20" fill="none" stroke-width="1.5" stroke="var(--color-fg-primary)" stroke-linecap="round" stroke-linejoin="round" xmlns="http://www.w3.org/2000/svg"><g><title></title><path d="M2.53001 7.81595C3.49179 4.73911 6.43281 2.5 9.91173 2.5C13.1684 2.5 15.9537 4.46214 17.0852 7.23684L17.6179 8.67647M17.6179 8.67647L18.5002 4.26471M17.6179 8.67647L13.6473 6.91176M17.4995 12.1841C16.5378 15.2609 13.5967 17.5 10.1178 17.5C6.86118 17.5 4.07589 15.5379 2.94432 12.7632L2.41165 11.3235M2.41165 11.3235L1.5293 15.7353M2.41165 11.3235L6.38224 13.0882"></path></g></svg></button><button tabindex="0" type="button" class="pencraft pc-reset pencraft icon-container view-image"><svg xmlns="http://www.w3.org/2000/svg" width="20" height="20" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-maximize2 lucide-maximize-2"><polyline points="15 3 21 3 21 9"></polyline><polyline points="9 21 3 21 3 15"></polyline><line x1="21" x2="14" y1="3" y2="10"></line><line x1="3" x2="10" y1="21" y2="14"></line></svg></button></div></div></div></a><figcaption class="image-caption"><strong><a href="https://ai-2027.com/research/takeoff-forecast">AI 2027 Affects Us All</a></strong></figcaption></figure></div><p>Will it happen exactly on their timeline?<br>No one can promise that.<br>But here&#8217;s what we can say without guessing:<br>The direction is already visible.<br>And the incentive is brutal.</p><h3>When one AI digital worker can do the output of 50&#8230;</h3><h3><br>When one company can pay $200 a month and get 50 &#8220;employees&#8221; with no health benefits required&#8230;</h3><h3><br>When a firm can rapidly grow margins with fewer salaries&#8230; it will.</h3><p>And the first place that shows up is the most sensitive balance sheet in America:<br>the suburban household.</p><p>The pattern will be familiar:</p><ol><li><p>Job loss.</p></li><li><p>Tightened budgets.</p></li><li><p>Downsizing.</p></li><li><p>Forced sales.</p></li><li><p>Comp resets.</p></li><li><p>Then a neighborhood.</p></li><li><p>Then a district.</p></li><li><p>Then a region.</p></li></ol><p>Because housing is the first domino.<br>The economy is the collapse.</p><p>&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;</p><div><hr></div><p>&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;</p><h1>Solve Impossible Housing now in the urban core &#8212; where solutions can still compound.</h1><h1><br>Because suburban sprawl may be too &#8220;high-risk&#8221; to save later.</h1><p>&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;</p><div><hr></div><p>&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;&#9472;</p><p>WHAT COMES NEXT (POST 2)</p><p>In the next post, I&#8217;m dropping the remaining 10 hot takes.</p><p>8 hot takes on what&#8217;s coming:<br>How a &#8220;comfortable&#8221; cul-de-sac becomes fragile house-by-house&#8212;and why this blight will look clean until it&#8217;s not.</p><p>3 hot takes on what to do now:<br>How to build income-shock homeownership systems that overpower blight, prove them where people are open to new opportunity (the urban core), and expand outward before suburban optionality disappears.</p><p>If you&#8217;re waiting for a visible crisis to take this seriously, that&#8217;s the point.<br>Blight 3.0 doesn&#8217;t announce itself.</p><p class="button-wrapper" data-attrs="{&quot;url&quot;:&quot;https://news.onemillion.homes/p/blight-30-the-2031-cul-de-sac-collapse?utm_source=substack&utm_medium=email&utm_content=share&action=share&quot;,&quot;text&quot;:&quot;Share&quot;,&quot;action&quot;:null,&quot;class&quot;:null}" data-component-name="ButtonCreateButton"><a class="button primary" href="https://news.onemillion.homes/p/blight-30-the-2031-cul-de-sac-collapse?utm_source=substack&utm_medium=email&utm_content=share&action=share"><span>Share</span></a></p><div class="subscription-widget-wrap-editor" 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Subscribe for free to receive new posts and support our work.</p></div><form class="subscription-widget-subscribe"><input type="email" class="email-input" name="email" placeholder="Type your email&#8230;" tabindex="-1"><input type="submit" class="button primary" value="Subscribe"><div class="fake-input-wrapper"><div class="fake-input"></div><div class="fake-button"></div></div></form></div></div><p></p>]]></content:encoded></item><item><title><![CDATA[KC... 51 Homes should piss you off]]></title><description><![CDATA[Impossible Housing is when a town 185x SMALLER permits the same number of homes by November of 2025 - and my home was 1 of 51.]]></description><link>https://news.onemillion.homes/p/kc-51-homes-should-piss-you-off</link><guid isPermaLink="false">https://news.onemillion.homes/p/kc-51-homes-should-piss-you-off</guid><dc:creator><![CDATA[OneMillion.Homes]]></dc:creator><pubDate>Thu, 22 Jan 2026 16:25:46 GMT</pubDate><enclosure url="https://substack-post-media.s3.amazonaws.com/public/images/8b117c6d-4e46-4245-984b-eb70a1ef5344_2039x1142.jpeg" length="0" type="image/jpeg"/><content:encoded><![CDATA[<h2>&#8220;You Can&#8217;t Argue the Facts, Dan&#8221;</h2><p><em>(That&#8217;s what Cass G. always tells me.)</em></p><p>This post isn&#8217;t a rant. It&#8217;s a receipt.</p><p>You can debate intentions.<br>You can debate politics.<br>You can debate strategy.</p><p>But you can&#8217;t argue the facts.</p><div class="captioned-button-wrap" data-attrs="{&quot;url&quot;:&quot;https://news.onemillion.homes/p/kc-51-homes-should-piss-you-off?utm_source=substack&utm_medium=email&utm_content=share&action=share&quot;,&quot;text&quot;:&quot;Share&quot;}" data-component-name="CaptionedButtonToDOM"><div class="preamble"><p class="cta-caption">Thanks for reading! This post is public so feel free to share it.</p></div><p class="button-wrapper" data-attrs="{&quot;url&quot;:&quot;https://news.onemillion.homes/p/kc-51-homes-should-piss-you-off?utm_source=substack&utm_medium=email&utm_content=share&action=share&quot;,&quot;text&quot;:&quot;Share&quot;}" data-component-name="ButtonCreateButton"><a class="button primary" href="https://news.onemillion.homes/p/kc-51-homes-should-piss-you-off?utm_source=substack&utm_medium=email&utm_content=share&action=share"><span>Share</span></a></p></div><p class="button-wrapper" data-attrs="{&quot;url&quot;:&quot;https://news.onemillion.homes/subscribe?&quot;,&quot;text&quot;:&quot;Subscribe now&quot;,&quot;action&quot;:null,&quot;class&quot;:null}" data-component-name="ButtonCreateButton"><a class="button primary" href="https://news.onemillion.homes/subscribe?"><span>Subscribe now</span></a></p><div class="captioned-image-container"><figure><a class="image-link image2 is-viewable-img" target="_blank" href="https://substackcdn.com/image/fetch/$s_!0vDG!,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F14861a3e-abe0-4808-94d2-324c35ac0b34_2048x2048.jpeg" data-component-name="Image2ToDOM"><div class="image2-inset"><picture><source type="image/webp" srcset="https://substackcdn.com/image/fetch/$s_!0vDG!,w_424,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F14861a3e-abe0-4808-94d2-324c35ac0b34_2048x2048.jpeg 424w, https://substackcdn.com/image/fetch/$s_!0vDG!,w_848,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F14861a3e-abe0-4808-94d2-324c35ac0b34_2048x2048.jpeg 848w, https://substackcdn.com/image/fetch/$s_!0vDG!,w_1272,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F14861a3e-abe0-4808-94d2-324c35ac0b34_2048x2048.jpeg 1272w, https://substackcdn.com/image/fetch/$s_!0vDG!,w_1456,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F14861a3e-abe0-4808-94d2-324c35ac0b34_2048x2048.jpeg 1456w" sizes="100vw"><img src="https://substackcdn.com/image/fetch/$s_!0vDG!,w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F14861a3e-abe0-4808-94d2-324c35ac0b34_2048x2048.jpeg" width="1456" height="1456" data-attrs="{&quot;src&quot;:&quot;https://substack-post-media.s3.amazonaws.com/public/images/14861a3e-abe0-4808-94d2-324c35ac0b34_2048x2048.jpeg&quot;,&quot;srcNoWatermark&quot;:null,&quot;fullscreen&quot;:null,&quot;imageSize&quot;:null,&quot;height&quot;:1456,&quot;width&quot;:1456,&quot;resizeWidth&quot;:null,&quot;bytes&quot;:6349675,&quot;alt&quot;:null,&quot;title&quot;:null,&quot;type&quot;:&quot;image/jpeg&quot;,&quot;href&quot;:null,&quot;belowTheFold&quot;:false,&quot;topImage&quot;:true,&quot;internalRedirect&quot;:&quot;https://news.onemillion.homes/i/185399014?img=https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F14861a3e-abe0-4808-94d2-324c35ac0b34_2048x2048.jpeg&quot;,&quot;isProcessing&quot;:false,&quot;align&quot;:null,&quot;offset&quot;:false}" class="sizing-normal" alt="" srcset="https://substackcdn.com/image/fetch/$s_!0vDG!,w_424,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F14861a3e-abe0-4808-94d2-324c35ac0b34_2048x2048.jpeg 424w, https://substackcdn.com/image/fetch/$s_!0vDG!,w_848,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F14861a3e-abe0-4808-94d2-324c35ac0b34_2048x2048.jpeg 848w, https://substackcdn.com/image/fetch/$s_!0vDG!,w_1272,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F14861a3e-abe0-4808-94d2-324c35ac0b34_2048x2048.jpeg 1272w, https://substackcdn.com/image/fetch/$s_!0vDG!,w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F14861a3e-abe0-4808-94d2-324c35ac0b34_2048x2048.jpeg 1456w" sizes="100vw" fetchpriority="high"></picture><div class="image-link-expand"><div class="pencraft pc-display-flex pc-gap-8 pc-reset"><button tabindex="0" type="button" class="pencraft pc-reset pencraft icon-container restack-image"><svg role="img" width="20" height="20" viewBox="0 0 20 20" fill="none" stroke-width="1.5" stroke="var(--color-fg-primary)" stroke-linecap="round" stroke-linejoin="round" xmlns="http://www.w3.org/2000/svg"><g><title></title><path d="M2.53001 7.81595C3.49179 4.73911 6.43281 2.5 9.91173 2.5C13.1684 2.5 15.9537 4.46214 17.0852 7.23684L17.6179 8.67647M17.6179 8.67647L18.5002 4.26471M17.6179 8.67647L13.6473 6.91176M17.4995 12.1841C16.5378 15.2609 13.5967 17.5 10.1178 17.5C6.86118 17.5 4.07589 15.5379 2.94432 12.7632L2.41165 11.3235M2.41165 11.3235L1.5293 15.7353M2.41165 11.3235L6.38224 13.0882"></path></g></svg></button><button tabindex="0" type="button" class="pencraft pc-reset pencraft icon-container view-image"><svg xmlns="http://www.w3.org/2000/svg" width="20" height="20" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-maximize2 lucide-maximize-2"><polyline points="15 3 21 3 21 9"></polyline><polyline points="9 21 3 21 3 15"></polyline><line x1="21" x2="14" y1="3" y2="10"></line><line x1="3" x2="10" y1="21" y2="14"></line></svg></button></div></div></div></a></figure></div><h2>The Receipt</h2><p><em>(Jan&#8211;Nov 2025)</em></p><p><strong>Population</strong><br>Kansas City (Jackson County): <strong>315,000</strong><br>Edgerton, Kansas: <strong>1,700</strong></p><p><strong>Homes Permitted (single-family)</strong><br>Kansas City: <strong>51</strong><br>Edgerton: <strong>51</strong></p><p><strong>No spin:</strong><br>Kansas City is ~<strong>185&#215; larger</strong> and permitted the <strong>same</strong> number of homes from January 2025 - November 2025. </p><p></p><div><hr></div><div><hr></div><h2>What That Actually Means</h2><p><em>(Not emotionally. Mechanically.)</em></p><p>When a city 185x larger produces the same number of homes as a town of 1,700 people, it tells you something simple:</p><p>We, Kansas Citians, do not believe housing in the &#8220;urban core&#8221; is worth the investment. </p><p>If you would like to debate me and say &#8220;what about rental housing&#8221; then I would respond with <strong>&#8220;I'm focused creating new home owners</strong>&#8221;. </p><p>MARC says </p><ul><li><p><a href="https://experience.arcgis.com/experience/ff430550582544d587b764bd4601810e/page/Cost-Burden?views=Affordability_City">185,574 families are paying 30%+ of their take home pay </a></p></li><li><p><a href="https://experience.arcgis.com/experience/ff430550582544d587b764bd4601810e/page/Cost-Burden?views=Affordability_City">61,835 families live in KCMO</a></p></li><li><p><a href="https://experience.arcgis.com/experience/ff430550582544d587b764bd4601810e/page/Cost-Burden?views=Affordability_City">16,500 families earn enough to buy a home </a></p></li></ul><p><a href="https://kchba.org/wp-content/uploads/2026/01/Residential-Permit-Statistics_Nov-2025.pdf">But the entire housing industry in KC can only produce 51 homes over an 11 month period. </a></p><p><strong>It may be time to admit:</strong></p><div class="pullquote"><p></p><h3>The underlying machine was never designed to produce housing for inner-city families at scale.</h3><h2></h2></div><div><hr></div><h2>The Demand Everyone Ignores</h2><p><em>(Inner-city housing isn&#8217;t charity. It&#8217;s a underbuilt market opportunity.)</em></p><p>Let&#8217;s talk about the part that gets left out of most housing conversations:</p><p>There is real, measurable demand for inner-city homeownership.</p><p>Not &#8220;wishful thinking.&#8221;<br>Not &#8220;someday.&#8221;<br>Not &#8220;if we could just&#8230;&#8221;</p><p><strong>16,500 inner-city families earn enough money to buy a home if somebody built it.</strong><br>That represents roughly <strong>$5.7B</strong> in homeownership opportunity sitting inside Kansas City. <a href="https://www.hakc.org/news-archives/housing-authority-of-kansas-city-mo-announces-26-billion-development-plan-to-redefine-affordable-housing-and-economic-opportunity">The Housing of Authority of Kansas City Missouri confirms my point by releasing a development plan for 2.6B to produce 7,159 homes ~ $373,000</a>. </p><p>So when they say, &#8220;There&#8217;s no demand,&#8221; what they usually mean is:</p><p>They don&#8217;t see inner-city families as a real market.</p><p>But the demand is real.<br>The money is real.</p><blockquote><p>The missing ingredient is&#8230; </p><p>A new &#8220;they&#8221; with a fresh perspective. </p><p>You!</p><p>Better informed Kansas Citians who could take better steps towards action. </p></blockquote><div><hr></div><div><hr></div><h1>Check More Receipts</h1><p><em>(Why we started this platform in the first place.)</em></p><p>The reason we started this platform is simple:</p><p>There a lot of noise going on and it&#8217;s hard to filter out good and bad. <br><br>But when you look at the receipt &#8212; <strong>51 homes</strong> &#8212; it tells you something uncomfortable:</p><p>Whatever we (KC) have been doing&#8230; with whoever we&#8217;ve been doing it with&#8230; is not producing housing at the scale Kansas City needs. </p><h4><strong>NOTE: ELECTED OFFICIALS AND CITY STAFF ARE NOT THE SOLUTION TO BUILDING A NEW HOUSING INDUSTRY.</strong> <br></h4><p>They can assist, make policies, aid in funding sources&#8230; but the action is still on us in the private market to build the city we want to live in. </p><p>So we&#8217;re widening the conversation on purpose.</p><p>Not because we want attention.<br>Because we want output.</p><p><strong>We need a fresh audience to take action with:</strong></p><ul><li><p>Concerned Kansas Citians who are ready to take action</p></li><li><p>People who want a thriving urban economy (not just downtown headlines)</p></li><li><p>People who want to replant roots and resettle neighborhoods</p></li><li><p>People who want to invest in a city that actually works for the people who live here</p></li><li><p>People who are tired of plans that don&#8217;t produce</p></li></ul><p>This invitation is to the broader group of Kansas Citians who understand that a city can&#8217;t thrive if the urban core can&#8217;t produce homes at scale. </p><div><hr></div><div><hr></div><h1>2026 Goal</h1><p><em>(100 homes. Real output. Real transformation.)</em></p><p>Here&#8217;s our goal:</p><p>In <strong>2026</strong>, we&#8217;re targeting the production of <strong>100 homes</strong>. We can produce them on our own land or we can work strategically with other housing support organizations.</p><p>Now let me be candid:</p><p>We might fall short in year one.<br>We might exceed it.</p><p>But what I am confident in &#8212; what we are confident in &#8212; is this:</p><p><strong>We are going to produce.</strong></p><p>Because this isn&#8217;t theory.<br>This isn&#8217;t a pilot for a report.<br>This is real demand and real opportunity for real transformation.</p><p>And once you build the machine, production becomes predictable.</p><p></p><div><hr></div><h1>If You Want to Be Part of the Next 10, 50, or 100 Homes</h1><p>If you want to help us produce the next <strong>10 homes</strong>, <strong>50 homes</strong>, or <strong>100 homes</strong> &#8212; reach out.</p><p>If you want to fund production instead of projects &#8212; reach out.</p><p>If you want one of the homes &#8212; reach out.</p><p>If you&#8217;re a builder, trade partner, supplier, land partner, lender, or investor &#8212; reach out.</p><p>Send a message to Daniel@1m.homes<br>We&#8217;ll respond.<br>We&#8217;ll put you in the loop.</p><p>Because the receipt is clear:</p><p>Kansas City doesn&#8217;t have a housing industry operating at scale in the urban core.</p><p>So we&#8217;re building one.</p><div class="captioned-button-wrap" data-attrs="{&quot;url&quot;:&quot;https://news.onemillion.homes/p/kc-51-homes-should-piss-you-off?utm_source=substack&utm_medium=email&utm_content=share&action=share&quot;,&quot;text&quot;:&quot;Share&quot;}" data-component-name="CaptionedButtonToDOM"><div class="preamble"><p class="cta-caption">Thanks for reading! This post is public so feel free to share it.</p></div><p class="button-wrapper" data-attrs="{&quot;url&quot;:&quot;https://news.onemillion.homes/p/kc-51-homes-should-piss-you-off?utm_source=substack&utm_medium=email&utm_content=share&action=share&quot;,&quot;text&quot;:&quot;Share&quot;}" data-component-name="ButtonCreateButton"><a class="button primary" href="https://news.onemillion.homes/p/kc-51-homes-should-piss-you-off?utm_source=substack&utm_medium=email&utm_content=share&action=share"><span>Share</span></a></p></div><p class="button-wrapper" data-attrs="{&quot;url&quot;:&quot;https://news.onemillion.homes/subscribe?&quot;,&quot;text&quot;:&quot;Subscribe now&quot;,&quot;action&quot;:null,&quot;class&quot;:null}" data-component-name="ButtonCreateButton"><a class="button primary" href="https://news.onemillion.homes/subscribe?"><span>Subscribe now</span></a></p><p></p>]]></content:encoded></item><item><title><![CDATA[Impossible Housing: Affordable Housing Is $162,000 Over Budget]]></title><description><![CDATA[Affordability is an outcome &#8212; not an input.]]></description><link>https://news.onemillion.homes/p/impossible-housing-affordable-housing</link><guid isPermaLink="false">https://news.onemillion.homes/p/impossible-housing-affordable-housing</guid><dc:creator><![CDATA[OneMillion.Homes]]></dc:creator><pubDate>Thu, 15 Jan 2026 02:38:43 GMT</pubDate><enclosure url="https://substackcdn.com/image/fetch/$s_!PZEd!,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F6e745cdd-f4f2-47c9-98f8-3a7c67c4f538_4800x2508.png" length="0" type="image/jpeg"/><content:encoded><![CDATA[<div class="captioned-image-container"><figure><a class="image-link image2 is-viewable-img" target="_blank" href="https://substackcdn.com/image/fetch/$s_!PZEd!,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F6e745cdd-f4f2-47c9-98f8-3a7c67c4f538_4800x2508.png" data-component-name="Image2ToDOM"><div class="image2-inset image2-full-screen"><picture><source type="image/webp" srcset="https://substackcdn.com/image/fetch/$s_!PZEd!,w_424,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F6e745cdd-f4f2-47c9-98f8-3a7c67c4f538_4800x2508.png 424w, https://substackcdn.com/image/fetch/$s_!PZEd!,w_848,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F6e745cdd-f4f2-47c9-98f8-3a7c67c4f538_4800x2508.png 848w, https://substackcdn.com/image/fetch/$s_!PZEd!,w_1272,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F6e745cdd-f4f2-47c9-98f8-3a7c67c4f538_4800x2508.png 1272w, https://substackcdn.com/image/fetch/$s_!PZEd!,w_1456,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F6e745cdd-f4f2-47c9-98f8-3a7c67c4f538_4800x2508.png 1456w" sizes="100vw"><img src="https://substackcdn.com/image/fetch/$s_!PZEd!,w_5760,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F6e745cdd-f4f2-47c9-98f8-3a7c67c4f538_4800x2508.png" 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srcset="https://substackcdn.com/image/fetch/$s_!PZEd!,w_424,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F6e745cdd-f4f2-47c9-98f8-3a7c67c4f538_4800x2508.png 424w, https://substackcdn.com/image/fetch/$s_!PZEd!,w_848,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F6e745cdd-f4f2-47c9-98f8-3a7c67c4f538_4800x2508.png 848w, https://substackcdn.com/image/fetch/$s_!PZEd!,w_1272,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F6e745cdd-f4f2-47c9-98f8-3a7c67c4f538_4800x2508.png 1272w, https://substackcdn.com/image/fetch/$s_!PZEd!,w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F6e745cdd-f4f2-47c9-98f8-3a7c67c4f538_4800x2508.png 1456w" sizes="100vw" fetchpriority="high"></picture><div class="image-link-expand"><div class="pencraft pc-display-flex pc-gap-8 pc-reset"><button tabindex="0" type="button" class="pencraft pc-reset pencraft icon-container restack-image"><svg role="img" width="20" height="20" viewBox="0 0 20 20" fill="none" stroke-width="1.5" stroke="var(--color-fg-primary)" stroke-linecap="round" stroke-linejoin="round" xmlns="http://www.w3.org/2000/svg"><g><title></title><path d="M2.53001 7.81595C3.49179 4.73911 6.43281 2.5 9.91173 2.5C13.1684 2.5 15.9537 4.46214 17.0852 7.23684L17.6179 8.67647M17.6179 8.67647L18.5002 4.26471M17.6179 8.67647L13.6473 6.91176M17.4995 12.1841C16.5378 15.2609 13.5967 17.5 10.1178 17.5C6.86118 17.5 4.07589 15.5379 2.94432 12.7632L2.41165 11.3235M2.41165 11.3235L1.5293 15.7353M2.41165 11.3235L6.38224 13.0882"></path></g></svg></button><button tabindex="0" type="button" class="pencraft pc-reset pencraft icon-container view-image"><svg xmlns="http://www.w3.org/2000/svg" width="20" height="20" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-maximize2 lucide-maximize-2"><polyline points="15 3 21 3 21 9"></polyline><polyline points="9 21 3 21 3 15"></polyline><line x1="21" x2="14" y1="3" y2="10"></line><line x1="3" x2="10" y1="21" y2="14"></line></svg></button></div></div></div></a></figure></div><p>People say &#8220;affordable housing&#8221; like it&#8217;s a cheaper kind of house.</p><p>It&#8217;s not.</p><p>Think of a <strong>$5 meal deal at McDonald&#8217;s</strong>. After tax, it&#8217;s <strong>$5.25</strong>.<br>But you only have <strong>$3.63</strong> in your pocket.</p><p>So you pay <strong>$3.63</strong>&#8230; and grab <strong>$1.62</strong> from the coin jar by the register to cover the rest.</p><p>That&#8217;s &#8220;affordable housing.&#8221;</p><p>Not because the meal got cheaper.<br>Because <strong>someone covered the gap.</strong></p><p class="button-wrapper" data-attrs="{&quot;url&quot;:&quot;https://news.onemillion.homes/p/impossible-housing-affordable-housing?utm_source=substack&utm_medium=email&utm_content=share&action=share&quot;,&quot;text&quot;:&quot;Share&quot;,&quot;action&quot;:null,&quot;class&quot;:null}" data-component-name="ButtonCreateButton"><a class="button primary" href="https://news.onemillion.homes/p/impossible-housing-affordable-housing?utm_source=substack&utm_medium=email&utm_content=share&action=share"><span>Share</span></a></p><div class="subscription-widget-wrap-editor" data-attrs="{&quot;url&quot;:&quot;https://news.onemillion.homes/subscribe?&quot;,&quot;text&quot;:&quot;Subscribe&quot;,&quot;language&quot;:&quot;en&quot;}" data-component-name="SubscribeWidgetToDOM"><div class="subscription-widget show-subscribe"><div class="preamble"><p class="cta-caption">Subscribe for free to receive new posts and support our work.</p></div><form class="subscription-widget-subscribe"><input type="email" class="email-input" name="email" placeholder="Type your email&#8230;" tabindex="-1"><input type="submit" class="button primary" value="Subscribe"><div class="fake-input-wrapper"><div class="fake-input"></div><div class="fake-button"></div></div></form></div></div><div><hr></div><h1>THE COST DOESN&#8217;T CHANGE:</h1><p>Here&#8217;s the simple version:</p><ul><li><p>A new home costs what it costs to build.</p></li><li><p>&#8220;Affordable&#8221; usually just means the <strong>buyer can&#8217;t pay the full amount</strong>.</p></li><li><p>So the deal needs <strong>extra money</strong> to bridge the gap.</p></li></ul><p>And this is the part most people miss:</p><p><strong>Even nonprofits pay full price.</strong></p><p>Nonprofit builder or for-profit builder, it doesn&#8217;t matter:</p><ul><li><p>They still hire <strong>general contractors</strong>.</p></li><li><p>They still hire <strong>laborers, plumbers, electricians</strong>.</p></li><li><p>They still buy <strong>lumber, concrete, windows</strong> at regular prices.</p></li><li><p>They still pay <strong>permits, inspections, insurance</strong>, and all the basics.</p></li></ul><div class="pullquote"><h2><strong>&#8220;Oh, it&#8217;s affordable housing? Cool&#8212;50% off.&#8221;</strong></h2><p>says no one</p></div><div class="captioned-image-container"><figure><a class="image-link image2 is-viewable-img" target="_blank" href="https://substackcdn.com/image/fetch/$s_!HMd4!,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Fac9a0b88-59b8-48f6-81b4-df9a5486f2e4_4800x2508.png" data-component-name="Image2ToDOM"><div class="image2-inset"><picture><source type="image/webp" srcset="https://substackcdn.com/image/fetch/$s_!HMd4!,w_424,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Fac9a0b88-59b8-48f6-81b4-df9a5486f2e4_4800x2508.png 424w, https://substackcdn.com/image/fetch/$s_!HMd4!,w_848,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Fac9a0b88-59b8-48f6-81b4-df9a5486f2e4_4800x2508.png 848w, https://substackcdn.com/image/fetch/$s_!HMd4!,w_1272,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Fac9a0b88-59b8-48f6-81b4-df9a5486f2e4_4800x2508.png 1272w, https://substackcdn.com/image/fetch/$s_!HMd4!,w_1456,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Fac9a0b88-59b8-48f6-81b4-df9a5486f2e4_4800x2508.png 1456w" sizes="100vw"><img src="https://substackcdn.com/image/fetch/$s_!HMd4!,w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Fac9a0b88-59b8-48f6-81b4-df9a5486f2e4_4800x2508.png" width="1456" height="761" data-attrs="{&quot;src&quot;:&quot;https://substack-post-media.s3.amazonaws.com/public/images/ac9a0b88-59b8-48f6-81b4-df9a5486f2e4_4800x2508.png&quot;,&quot;srcNoWatermark&quot;:null,&quot;fullscreen&quot;:null,&quot;imageSize&quot;:null,&quot;height&quot;:761,&quot;width&quot;:1456,&quot;resizeWidth&quot;:null,&quot;bytes&quot;:5013140,&quot;alt&quot;:null,&quot;title&quot;:null,&quot;type&quot;:&quot;image/png&quot;,&quot;href&quot;:null,&quot;belowTheFold&quot;:true,&quot;topImage&quot;:false,&quot;internalRedirect&quot;:&quot;https://news.onemillion.homes/i/184614896?img=https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Fac9a0b88-59b8-48f6-81b4-df9a5486f2e4_4800x2508.png&quot;,&quot;isProcessing&quot;:false,&quot;align&quot;:null,&quot;offset&quot;:false}" class="sizing-normal" alt="" srcset="https://substackcdn.com/image/fetch/$s_!HMd4!,w_424,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Fac9a0b88-59b8-48f6-81b4-df9a5486f2e4_4800x2508.png 424w, https://substackcdn.com/image/fetch/$s_!HMd4!,w_848,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Fac9a0b88-59b8-48f6-81b4-df9a5486f2e4_4800x2508.png 848w, https://substackcdn.com/image/fetch/$s_!HMd4!,w_1272,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Fac9a0b88-59b8-48f6-81b4-df9a5486f2e4_4800x2508.png 1272w, https://substackcdn.com/image/fetch/$s_!HMd4!,w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Fac9a0b88-59b8-48f6-81b4-df9a5486f2e4_4800x2508.png 1456w" sizes="100vw" loading="lazy"></picture><div class="image-link-expand"><div class="pencraft pc-display-flex pc-gap-8 pc-reset"><button tabindex="0" type="button" class="pencraft pc-reset pencraft icon-container restack-image"><svg role="img" width="20" height="20" viewBox="0 0 20 20" fill="none" stroke-width="1.5" stroke="var(--color-fg-primary)" stroke-linecap="round" stroke-linejoin="round" xmlns="http://www.w3.org/2000/svg"><g><title></title><path d="M2.53001 7.81595C3.49179 4.73911 6.43281 2.5 9.91173 2.5C13.1684 2.5 15.9537 4.46214 17.0852 7.23684L17.6179 8.67647M17.6179 8.67647L18.5002 4.26471M17.6179 8.67647L13.6473 6.91176M17.4995 12.1841C16.5378 15.2609 13.5967 17.5 10.1178 17.5C6.86118 17.5 4.07589 15.5379 2.94432 12.7632L2.41165 11.3235M2.41165 11.3235L1.5293 15.7353M2.41165 11.3235L6.38224 13.0882"></path></g></svg></button><button tabindex="0" type="button" class="pencraft pc-reset pencraft icon-container view-image"><svg xmlns="http://www.w3.org/2000/svg" width="20" height="20" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-maximize2 lucide-maximize-2"><polyline points="15 3 21 3 21 9"></polyline><polyline points="9 21 3 21 3 15"></polyline><line x1="21" x2="14" y1="3" y2="10"></line><line x1="3" x2="10" y1="21" y2="14"></line></svg></button></div></div></div></a></figure></div><p>So when you see:</p><ul><li><p><strong>$525,000 total cost</strong></p></li><li><p><strong>$363,000 &#8220;affordable&#8221; price </strong></p></li><li><p><strong>$162,000 over budget</strong></p></li></ul><p>That $162,000 is not a &#8220;nice to have.&#8221;<br>It&#8217;s the <strong>coin jar</strong> that makes the math work.</p><p><em><strong><a href="https://substack.com/@onemillionhomes/note/c-196185149?r=6xswh3&amp;utm_source=notes-share-action&amp;utm_medium=web">See more on one of our recent notes for what an affordable home should costs</a></strong></em></p><div><hr></div><h1>THE GAP AT SCALE&#8230; BREAKS TRUST</h1><p>One home over budget can get done.</p><p>But when you try to do this repeatedly, the gap stops being a one-time challenge and becomes the <em>standard way the deal works</em>.</p><p>That&#8217;s where things get ugly.</p><div class="captioned-image-container"><figure><a class="image-link image2 is-viewable-img" target="_blank" href="https://substackcdn.com/image/fetch/$s_!C1l8!,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F04507984-59a0-47d9-845d-77658dc5bf71_3240x4049.png" data-component-name="Image2ToDOM"><div class="image2-inset"><picture><source type="image/webp" srcset="https://substackcdn.com/image/fetch/$s_!C1l8!,w_424,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F04507984-59a0-47d9-845d-77658dc5bf71_3240x4049.png 424w, https://substackcdn.com/image/fetch/$s_!C1l8!,w_848,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F04507984-59a0-47d9-845d-77658dc5bf71_3240x4049.png 848w, https://substackcdn.com/image/fetch/$s_!C1l8!,w_1272,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F04507984-59a0-47d9-845d-77658dc5bf71_3240x4049.png 1272w, https://substackcdn.com/image/fetch/$s_!C1l8!,w_1456,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F04507984-59a0-47d9-845d-77658dc5bf71_3240x4049.png 1456w" sizes="100vw"><img src="https://substackcdn.com/image/fetch/$s_!C1l8!,w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F04507984-59a0-47d9-845d-77658dc5bf71_3240x4049.png" width="1456" height="1820" data-attrs="{&quot;src&quot;:&quot;https://substack-post-media.s3.amazonaws.com/public/images/04507984-59a0-47d9-845d-77658dc5bf71_3240x4049.png&quot;,&quot;srcNoWatermark&quot;:null,&quot;fullscreen&quot;:null,&quot;imageSize&quot;:null,&quot;height&quot;:1820,&quot;width&quot;:1456,&quot;resizeWidth&quot;:null,&quot;bytes&quot;:8540144,&quot;alt&quot;:null,&quot;title&quot;:null,&quot;type&quot;:&quot;image/png&quot;,&quot;href&quot;:null,&quot;belowTheFold&quot;:true,&quot;topImage&quot;:false,&quot;internalRedirect&quot;:&quot;https://news.onemillion.homes/i/184614896?img=https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F04507984-59a0-47d9-845d-77658dc5bf71_3240x4049.png&quot;,&quot;isProcessing&quot;:false,&quot;align&quot;:null,&quot;offset&quot;:false}" class="sizing-normal" alt="" srcset="https://substackcdn.com/image/fetch/$s_!C1l8!,w_424,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F04507984-59a0-47d9-845d-77658dc5bf71_3240x4049.png 424w, https://substackcdn.com/image/fetch/$s_!C1l8!,w_848,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F04507984-59a0-47d9-845d-77658dc5bf71_3240x4049.png 848w, https://substackcdn.com/image/fetch/$s_!C1l8!,w_1272,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F04507984-59a0-47d9-845d-77658dc5bf71_3240x4049.png 1272w, https://substackcdn.com/image/fetch/$s_!C1l8!,w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F04507984-59a0-47d9-845d-77658dc5bf71_3240x4049.png 1456w" sizes="100vw" loading="lazy"></picture><div class="image-link-expand"><div class="pencraft pc-display-flex pc-gap-8 pc-reset"><button tabindex="0" type="button" class="pencraft pc-reset pencraft icon-container restack-image"><svg role="img" width="20" height="20" viewBox="0 0 20 20" fill="none" stroke-width="1.5" stroke="var(--color-fg-primary)" stroke-linecap="round" stroke-linejoin="round" xmlns="http://www.w3.org/2000/svg"><g><title></title><path d="M2.53001 7.81595C3.49179 4.73911 6.43281 2.5 9.91173 2.5C13.1684 2.5 15.9537 4.46214 17.0852 7.23684L17.6179 8.67647M17.6179 8.67647L18.5002 4.26471M17.6179 8.67647L13.6473 6.91176M17.4995 12.1841C16.5378 15.2609 13.5967 17.5 10.1178 17.5C6.86118 17.5 4.07589 15.5379 2.94432 12.7632L2.41165 11.3235M2.41165 11.3235L1.5293 15.7353M2.41165 11.3235L6.38224 13.0882"></path></g></svg></button><button tabindex="0" type="button" class="pencraft pc-reset pencraft icon-container view-image"><svg xmlns="http://www.w3.org/2000/svg" width="20" height="20" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-maximize2 lucide-maximize-2"><polyline points="15 3 21 3 21 9"></polyline><polyline points="9 21 3 21 3 15"></polyline><line x1="21" x2="14" y1="3" y2="10"></line><line x1="3" x2="10" y1="21" y2="14"></line></svg></button></div></div></div></a></figure></div><ul><li><p><strong>1 home over budget</strong> is <strong>charity</strong>.</p></li><li><p><strong>10 homes over budget</strong> becomes <strong>capital-intensive</strong> (hard to fund, slow to move).</p></li><li><p><strong>100 homes over budget</strong> becomes <strong>capital&#8209;prohibitive</strong> (too big to realistically cover again and again).</p></li></ul><p>And here&#8217;s the real damage this does:</p><blockquote><h3><strong>The gap creates distrust inside an established housing industry that has little interest in complexity.</strong> </h3><h3><strong>When &#8220;over budget&#8221; is the normal financing plan, </strong></h3><h3><strong>The whole project feels shaky. </strong></h3></blockquote><p>Builders, contractors, and lenders start thinking:</p><ul><li><p>&#8220;Is the money actually going to show up?&#8221;</p></li><li><p>&#8220;How long is this going to take?&#8221;</p></li><li><p>&#8220;What happens if the gap money gets delayed, reduced, or disappears?&#8221;</p></li><li><p>&#8220;Are we going to get stuck midstream?&#8221;</p></li></ul><p>So fewer people want to touch the work.</p><p>That means:</p><ul><li><p>fewer bids</p></li><li><p>more delays</p></li><li><p>higher prices</p></li><li><p>more &#8220;urban housing is too risky&#8221; stories</p></li></ul><p>And it reinforces the worst belief of all:</p><blockquote><h3><strong>&#8220;Housing is a bad idea in urban communities.&#8221;</strong></h3></blockquote><p>Not because it <em>has</em> to be.<br>Because the model teaches everyone to expect friction, uncertainty, and risk.</p><h4><strong>A model that relies on the gap cannot scale.</strong></h4><div><hr></div><h1>GAP FUNDING = THOUSANDS OF FAMILIES WAITING. </h1><p>This is where the conversation gets real, fast.</p><p><strong>Kansas City, Missouri (Jackson County)</strong>: </p><p>[[North - River, South - 435 Highway, West - Stateline, East 435 Highway]]</p><p>The Urban Core</p><ul><li><p><strong>2024:</strong> <strong>64 total homes</strong> were produced. <strong>Habitat for Humanity built 4.</strong><br>&#8594; <strong>60 of 64</strong> were fully market-rate.</p></li><li><p><strong>As of November 2025:</strong> <strong>55 total homes</strong> were produced. <strong>Habitat built 12.</strong><br>&#8594; <strong>43 of 55</strong> were fully market-rate.<br>(KC Home Builder Association Permit Data)</p></li></ul><p>Now zoom out.</p><p>Depending on the estimate, Kansas City is <strong>short anywhere from ~12,000 to 24,000 homes</strong> just to meet current resident demand. At the same time, <strong>tens of thousands of Kansas Citians (roughly 60,000&#8211;64,000)</strong> are already paying too much of their income just to stay housed. (<a href="https://www.marc.org/news/economy-housing/housing-production-kansas-city-region-continues-lag-peer-metros">MARC Kansas City)</a></p><p>And cherry on the top - 16,500 Families earn enough to be able to buy a house, but we only produce a handful of homes a year as an over core. (KCMO Cost Burdened Families)<br><br>SEE MORE HERE about <strong><a href="https://news.onemillion.homes/p/the-urban-core-housing-donut-dilemma">The [Urban Core] Housing Donut Dilemma</a></strong><a href="https://news.onemillion.homes/p/the-urban-core-housing-donut-dilemma">  </a></p><p>So whether it&#8217;s <strong>4 homes, 12 homes, or even a few hundred homes a year</strong>&#8230; that&#8217;s still <strong>tiny</strong> compared to a shortage measured in <strong>tens of thousands</strong>.</p><p>That&#8217;s not a production engine.<br>That&#8217;s not a pipeline.<br>That&#8217;s a warning light.</p><p>If the only way to create &#8220;affordable&#8221; homeownership is a gap that has to be refilled every single time, you&#8217;ll keep getting the same output: <strong>small numbers, slow growth, and an industry that doesn&#8217;t trust the model.</strong></p><div><hr></div><h1>THE UNLOCK IS CREATING A NEW BUSINESS MODEL.</h1><div class="captioned-image-container"><figure><a class="image-link image2 is-viewable-img" target="_blank" href="https://substackcdn.com/image/fetch/$s_!diDO!,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F17eba4bc-1e3d-4495-985b-451a66e2f78a_4800x2508.png" data-component-name="Image2ToDOM"><div class="image2-inset"><picture><source type="image/webp" srcset="https://substackcdn.com/image/fetch/$s_!diDO!,w_424,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F17eba4bc-1e3d-4495-985b-451a66e2f78a_4800x2508.png 424w, https://substackcdn.com/image/fetch/$s_!diDO!,w_848,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F17eba4bc-1e3d-4495-985b-451a66e2f78a_4800x2508.png 848w, https://substackcdn.com/image/fetch/$s_!diDO!,w_1272,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F17eba4bc-1e3d-4495-985b-451a66e2f78a_4800x2508.png 1272w, https://substackcdn.com/image/fetch/$s_!diDO!,w_1456,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F17eba4bc-1e3d-4495-985b-451a66e2f78a_4800x2508.png 1456w" sizes="100vw"><img src="https://substackcdn.com/image/fetch/$s_!diDO!,w_2400,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F17eba4bc-1e3d-4495-985b-451a66e2f78a_4800x2508.png" width="1200" height="627.1978021978022" data-attrs="{&quot;src&quot;:&quot;https://substack-post-media.s3.amazonaws.com/public/images/17eba4bc-1e3d-4495-985b-451a66e2f78a_4800x2508.png&quot;,&quot;srcNoWatermark&quot;:null,&quot;fullscreen&quot;:false,&quot;imageSize&quot;:&quot;large&quot;,&quot;height&quot;:761,&quot;width&quot;:1456,&quot;resizeWidth&quot;:1200,&quot;bytes&quot;:9388060,&quot;alt&quot;:null,&quot;title&quot;:null,&quot;type&quot;:&quot;image/png&quot;,&quot;href&quot;:null,&quot;belowTheFold&quot;:true,&quot;topImage&quot;:false,&quot;internalRedirect&quot;:&quot;https://news.onemillion.homes/i/184614896?img=https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F17eba4bc-1e3d-4495-985b-451a66e2f78a_4800x2508.png&quot;,&quot;isProcessing&quot;:false,&quot;align&quot;:&quot;center&quot;,&quot;offset&quot;:false}" class="sizing-large" alt="" srcset="https://substackcdn.com/image/fetch/$s_!diDO!,w_424,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F17eba4bc-1e3d-4495-985b-451a66e2f78a_4800x2508.png 424w, https://substackcdn.com/image/fetch/$s_!diDO!,w_848,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F17eba4bc-1e3d-4495-985b-451a66e2f78a_4800x2508.png 848w, https://substackcdn.com/image/fetch/$s_!diDO!,w_1272,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F17eba4bc-1e3d-4495-985b-451a66e2f78a_4800x2508.png 1272w, https://substackcdn.com/image/fetch/$s_!diDO!,w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F17eba4bc-1e3d-4495-985b-451a66e2f78a_4800x2508.png 1456w" sizes="100vw" loading="lazy"></picture><div class="image-link-expand"><div class="pencraft pc-display-flex pc-gap-8 pc-reset"><button tabindex="0" type="button" class="pencraft pc-reset pencraft icon-container restack-image"><svg role="img" width="20" height="20" viewBox="0 0 20 20" fill="none" stroke-width="1.5" stroke="var(--color-fg-primary)" stroke-linecap="round" stroke-linejoin="round" xmlns="http://www.w3.org/2000/svg"><g><title></title><path d="M2.53001 7.81595C3.49179 4.73911 6.43281 2.5 9.91173 2.5C13.1684 2.5 15.9537 4.46214 17.0852 7.23684L17.6179 8.67647M17.6179 8.67647L18.5002 4.26471M17.6179 8.67647L13.6473 6.91176M17.4995 12.1841C16.5378 15.2609 13.5967 17.5 10.1178 17.5C6.86118 17.5 4.07589 15.5379 2.94432 12.7632L2.41165 11.3235M2.41165 11.3235L1.5293 15.7353M2.41165 11.3235L6.38224 13.0882"></path></g></svg></button><button tabindex="0" type="button" class="pencraft pc-reset pencraft icon-container view-image"><svg xmlns="http://www.w3.org/2000/svg" width="20" height="20" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-maximize2 lucide-maximize-2"><polyline points="15 3 21 3 21 9"></polyline><polyline points="9 21 3 21 3 15"></polyline><line x1="21" x2="14" y1="3" y2="10"></line><line x1="3" x2="10" y1="21" y2="14"></line></svg></button></div></div></div></a></figure></div><p>If the gap model can&#8217;t scale, we need a different approach:</p><p>Not &#8220;How do we find more coin jars?&#8221;<br>But <strong>&#8220;How do we make homes cheaper to produce?&#8221;</strong></p><p>This is the shift:</p><h3><strong>Project Model (Fragmentation) &#8212; $500K+</strong></h3><p>One-off builds.<br>Each home is a custom effort.<br><strong>Affordability requires subsidy.</strong></p><h3><strong>Production Model (Standardization) &#8212; $400K+</strong></h3><p>Standard plans.<br>Repeatable crews.<br>Faster build times.<br><strong>More homes per dollar.</strong></p><h3><strong>Industry Model (Scale) &#8212; $300K+</strong></h3><p>Continuous production.<br>Economies of scale.<br><strong>Naturally attainable homes.</strong></p><p>That&#8217;s the throughline:</p><p><strong>Home cost drops when the business model changes.</strong></p><div><hr></div><h1>STOP USING THE $162K TO FUND THE GAP. </h1><h1>START INVESTING TO CREATE PRODUCTION.</h1><p>Right now, we keep using ~$162,000 to &#8220;fix&#8221; <strong>one</strong> home after it&#8217;s already expensive.</p><p>That is patchwork.</p><p>So here&#8217;s the contrast:</p><h3><strong>Stop doing this</strong></h3><p><strong>Use $162,000 to close the gap on 1 home.</strong><br>Then repeat the problem again.<br>And again.<br>And again.</p><h3><strong>Start doing this</strong></h3><p>Use that same ~$162,000 as <strong>upfront investment</strong>&#8212;not a bailout.</p><p>If instead we treat it like <strong>production money</strong>, roughly <strong>$40,000 per home</strong>, to pay for things that make housing repeatable&#8212;like:</p><ul><li><p>standard plans and repeatable designs</p></li><li><p>process that cuts delays</p></li><li><p>repeatable crews and predictable work</p></li><li><p>upfront help (like closing costs) that keeps deals moving</p></li></ul><p>Then:</p><ul><li><p><strong>~$160K can help produce ~4 homes</strong> (instead of discounting 1)</p></li><li><p><strong>~$1.6M can help produce ~40 homes</strong> (instead of discounting 10)</p></li><li><p><strong>~$16M can help produce ~400 homes</strong> (instead of discounting 100)</p></li></ul><p>That&#8217;s the punchline:</p><blockquote><h3><strong>Stop paying to &#8220;make one home affordable.&#8221;</strong><br><strong>Start investing to make &#8220;homes&#8221; attainable.</strong></h3></blockquote><div><hr></div><h1>THE LINE TO REMEMBER</h1><div class="pullquote"><h2><strong>Affordability is an outcome &#8212; not an input.</strong></h2></div><p>So the next time you hear about an &#8220;affordable housing&#8221; project, don&#8217;t just clap because the press release sounds good.</p><p>Use the announcement like a scorecard. Ask <strong>three questions</strong>:</p><ol><li><p><strong>Where is the gap money coming from?</strong><br>If the deal only works because someone is covering a big missing amount per home, it&#8217;s probably more of the same.</p></li><li><p><strong>Does this make the </strong><em><strong>next</strong></em><strong> project easier to build&#8212;or does it need a brand-new fundraising effort again?</strong><br>If it requires new &#8220;coin jar&#8221; money every time, it won&#8217;t scale.</p></li><li><p><strong>What part of this actually lowers the cost to produce homes?</strong><br>Standard plans, repeatable crews, faster timelines, predictable process&#8212;these are signals of a new housing industry.</p></li></ol><div><hr></div><h1><strong>CTA: LET&#8217;S TALK IT THROUGH</strong></h1><p>If you hear &#8220;affordable housing&#8221; language that sounds polished but feels like it&#8217;s hiding the real math, <strong>send it to me</strong>. </p><p>I&#8217;ll break it down,</p><p>Explain what it actually means, </p><p>And share it so more people can tell the difference between real innovation and more of the same.</p><div class="subscription-widget-wrap-editor" data-attrs="{&quot;url&quot;:&quot;https://news.onemillion.homes/subscribe?&quot;,&quot;text&quot;:&quot;Subscribe&quot;,&quot;language&quot;:&quot;en&quot;}" data-component-name="SubscribeWidgetToDOM"><div class="subscription-widget show-subscribe"><div class="preamble"><p class="cta-caption">Thanks for reading! Subscribe for free to receive new posts and support our work.</p></div><form class="subscription-widget-subscribe"><input type="email" class="email-input" name="email" placeholder="Type your email&#8230;" tabindex="-1"><input type="submit" class="button primary" value="Subscribe"><div class="fake-input-wrapper"><div class="fake-input"></div><div class="fake-button"></div></div></form></div></div><p class="button-wrapper" data-attrs="{&quot;url&quot;:&quot;https://news.onemillion.homes/p/impossible-housing-affordable-housing?utm_source=substack&utm_medium=email&utm_content=share&action=share&quot;,&quot;text&quot;:&quot;Share&quot;,&quot;action&quot;:null,&quot;class&quot;:null}" data-component-name="ButtonCreateButton"><a class="button primary" href="https://news.onemillion.homes/p/impossible-housing-affordable-housing?utm_source=substack&utm_medium=email&utm_content=share&action=share"><span>Share</span></a></p>]]></content:encoded></item><item><title><![CDATA[IMPOSSIBLE HOUSING: 191 + 1 Homes in 2026]]></title><description><![CDATA[Everyday People Building a New Housing Industry - Starting in KCMO]]></description><link>https://news.onemillion.homes/p/impossible-housing-191-1-homes-in</link><guid isPermaLink="false">https://news.onemillion.homes/p/impossible-housing-191-1-homes-in</guid><dc:creator><![CDATA[OneMillion.Homes]]></dc:creator><pubDate>Mon, 05 Jan 2026 21:54:26 GMT</pubDate><enclosure url="https://substackcdn.com/image/fetch/$s_!zGeg!,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Fa3262d27-f395-4013-b27f-3939cd9414f9_4096x4160.jpeg" length="0" type="image/jpeg"/><content:encoded><![CDATA[<div class="captioned-image-container"><figure><a class="image-link image2 is-viewable-img" target="_blank" href="https://substackcdn.com/image/fetch/$s_!zGeg!,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Fa3262d27-f395-4013-b27f-3939cd9414f9_4096x4160.jpeg" data-component-name="Image2ToDOM"><div class="image2-inset"><picture><source type="image/webp" srcset="https://substackcdn.com/image/fetch/$s_!zGeg!,w_424,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Fa3262d27-f395-4013-b27f-3939cd9414f9_4096x4160.jpeg 424w, https://substackcdn.com/image/fetch/$s_!zGeg!,w_848,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Fa3262d27-f395-4013-b27f-3939cd9414f9_4096x4160.jpeg 848w, https://substackcdn.com/image/fetch/$s_!zGeg!,w_1272,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Fa3262d27-f395-4013-b27f-3939cd9414f9_4096x4160.jpeg 1272w, https://substackcdn.com/image/fetch/$s_!zGeg!,w_1456,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Fa3262d27-f395-4013-b27f-3939cd9414f9_4096x4160.jpeg 1456w" sizes="100vw"><img src="https://substackcdn.com/image/fetch/$s_!zGeg!,w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Fa3262d27-f395-4013-b27f-3939cd9414f9_4096x4160.jpeg" width="1456" height="1479" data-attrs="{&quot;src&quot;:&quot;https://substack-post-media.s3.amazonaws.com/public/images/a3262d27-f395-4013-b27f-3939cd9414f9_4096x4160.jpeg&quot;,&quot;srcNoWatermark&quot;:null,&quot;fullscreen&quot;:null,&quot;imageSize&quot;:null,&quot;height&quot;:1479,&quot;width&quot;:1456,&quot;resizeWidth&quot;:null,&quot;bytes&quot;:9142416,&quot;alt&quot;:null,&quot;title&quot;:null,&quot;type&quot;:&quot;image/jpeg&quot;,&quot;href&quot;:null,&quot;belowTheFold&quot;:false,&quot;topImage&quot;:true,&quot;internalRedirect&quot;:&quot;https://news.onemillion.homes/i/183596650?img=https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Fa3262d27-f395-4013-b27f-3939cd9414f9_4096x4160.jpeg&quot;,&quot;isProcessing&quot;:false,&quot;align&quot;:null,&quot;offset&quot;:false}" class="sizing-normal" alt="" srcset="https://substackcdn.com/image/fetch/$s_!zGeg!,w_424,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Fa3262d27-f395-4013-b27f-3939cd9414f9_4096x4160.jpeg 424w, https://substackcdn.com/image/fetch/$s_!zGeg!,w_848,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Fa3262d27-f395-4013-b27f-3939cd9414f9_4096x4160.jpeg 848w, https://substackcdn.com/image/fetch/$s_!zGeg!,w_1272,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Fa3262d27-f395-4013-b27f-3939cd9414f9_4096x4160.jpeg 1272w, https://substackcdn.com/image/fetch/$s_!zGeg!,w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Fa3262d27-f395-4013-b27f-3939cd9414f9_4096x4160.jpeg 1456w" sizes="100vw" fetchpriority="high"></picture><div class="image-link-expand"><div class="pencraft pc-display-flex pc-gap-8 pc-reset"><button tabindex="0" type="button" class="pencraft pc-reset pencraft icon-container restack-image"><svg role="img" width="20" height="20" viewBox="0 0 20 20" fill="none" stroke-width="1.5" stroke="var(--color-fg-primary)" stroke-linecap="round" stroke-linejoin="round" xmlns="http://www.w3.org/2000/svg"><g><title></title><path d="M2.53001 7.81595C3.49179 4.73911 6.43281 2.5 9.91173 2.5C13.1684 2.5 15.9537 4.46214 17.0852 7.23684L17.6179 8.67647M17.6179 8.67647L18.5002 4.26471M17.6179 8.67647L13.6473 6.91176M17.4995 12.1841C16.5378 15.2609 13.5967 17.5 10.1178 17.5C6.86118 17.5 4.07589 15.5379 2.94432 12.7632L2.41165 11.3235M2.41165 11.3235L1.5293 15.7353M2.41165 11.3235L6.38224 13.0882"></path></g></svg></button><button tabindex="0" type="button" class="pencraft pc-reset pencraft icon-container view-image"><svg xmlns="http://www.w3.org/2000/svg" width="20" height="20" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-maximize2 lucide-maximize-2"><polyline points="15 3 21 3 21 9"></polyline><polyline points="9 21 3 21 3 15"></polyline><line x1="21" x2="14" y1="3" y2="10"></line><line x1="3" x2="10" y1="21" y2="14"></line></svg></button></div></div></div></a></figure></div><h1>Why This Matters (Read This First)</h1><h3>Radical Reframe (Read This Slowly)</h3><p>What if Kansas City doesn&#8217;t actually have an <strong>affordability crisis</strong> &#8212; but an <strong>Impossible Housing crisis</strong>?</p><p>What if a few &#8220;crazy&#8221; people decided to reject business as usual and take one simple next step: <strong>build an entirely new housing industry</strong> from the ground up? </p><p>And what if a ground up new industry began with a collective commitment to produce 191 + 1 homes in 2026?</p><div><hr></div><p><strong>The Impossible Housing Crisis</strong> is the unspoken belief held by the existing housing industry that the <em>the places and people who need housing the most are not worth the effort required to change the industry&#8217;s business model &#8212; because it has already decided that urban core production is impossible.</em></p><p>Everyone defaults to this belief. </p><p>Many have attempted to change this belief, even internally within the system. </p><p>But every project to date is subject to this belief.  </p><p>And solving any housing crisis is impossible build on this framework. </p><div><hr></div><p>If Kansas City built a <em>real housing industry</em> &#8212; not a collection of pilots &#8212; the impact would be massive:</p><ul><li><p><strong>Thousands of permanent jobs</strong> across construction, manufacturing, design, logistics, finance, and neighborhood services</p></li><li><p><strong>Based on the data: between $4.4 billion and $21.8 billion in local economic impact from housing production alone</strong>, through wages, supply chains, and reinvestment</p></li><li><p><strong>Lower housing costs through scale</strong>, not subsidies alone</p></li><li><p><strong>Grocery stores</strong> that can remain open and amenities that can be sustained through sufficient density and disposable income</p></li><li><p><strong>Stability for families</strong>, compounding into better health, stronger educational outcomes, and greater workforce participation</p></li></ul><p>This isn&#8217;t just a housing problem. It&#8217;s an <strong>economic production opportunity</strong> hiding in plain sight &#8212; and it starts with a simple, concrete challenge:</p><div class="pullquote"><h4><strong>What if everyday people joined together and built </strong></h4><h4><strong>191 homes + 1 in 2026?</strong></h4></div><p>Not as a one&#8209;off project. Not as a pilot. But as proof that an entirely new housing industry &#8212; designed to build where need is highest &#8212; can replace the one that exists doesn&#8217;t care about the crisis today.</p><div><hr></div><h1>191 + 1 Homes: Why This Number Matters</h1><p>For the last several years, <strong>191 homes</strong> has quietly functioned as a ceiling.</p><p>Using builder permit data only, production in the urban core has <strong>declined since 2019</strong>, averaging just <strong>138 single&#8209;family homes per year</strong>. Not because demand disappeared &#8212; but because the existing housing industry never expected, planned, or designed itself to exceed that level of output.</p><div class="captioned-image-container"><figure><a class="image-link image2 is-viewable-img" target="_blank" href="https://substackcdn.com/image/fetch/$s_!w2Uq!,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Fe03fac54-e899-4058-9845-e3ec3b051243_648x371.png" data-component-name="Image2ToDOM"><div class="image2-inset"><picture><source type="image/webp" srcset="https://substackcdn.com/image/fetch/$s_!w2Uq!,w_424,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Fe03fac54-e899-4058-9845-e3ec3b051243_648x371.png 424w, https://substackcdn.com/image/fetch/$s_!w2Uq!,w_848,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Fe03fac54-e899-4058-9845-e3ec3b051243_648x371.png 848w, https://substackcdn.com/image/fetch/$s_!w2Uq!,w_1272,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Fe03fac54-e899-4058-9845-e3ec3b051243_648x371.png 1272w, https://substackcdn.com/image/fetch/$s_!w2Uq!,w_1456,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Fe03fac54-e899-4058-9845-e3ec3b051243_648x371.png 1456w" sizes="100vw"><img src="https://substackcdn.com/image/fetch/$s_!w2Uq!,w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Fe03fac54-e899-4058-9845-e3ec3b051243_648x371.png" width="648" height="371" data-attrs="{&quot;src&quot;:&quot;https://substack-post-media.s3.amazonaws.com/public/images/e03fac54-e899-4058-9845-e3ec3b051243_648x371.png&quot;,&quot;srcNoWatermark&quot;:null,&quot;fullscreen&quot;:null,&quot;imageSize&quot;:null,&quot;height&quot;:371,&quot;width&quot;:648,&quot;resizeWidth&quot;:null,&quot;bytes&quot;:34837,&quot;alt&quot;:null,&quot;title&quot;:null,&quot;type&quot;:&quot;image/png&quot;,&quot;href&quot;:null,&quot;belowTheFold&quot;:true,&quot;topImage&quot;:false,&quot;internalRedirect&quot;:&quot;https://news.onemillion.homes/i/183596650?img=https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Fe03fac54-e899-4058-9845-e3ec3b051243_648x371.png&quot;,&quot;isProcessing&quot;:false,&quot;align&quot;:null,&quot;offset&quot;:false}" class="sizing-normal" alt="" srcset="https://substackcdn.com/image/fetch/$s_!w2Uq!,w_424,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Fe03fac54-e899-4058-9845-e3ec3b051243_648x371.png 424w, https://substackcdn.com/image/fetch/$s_!w2Uq!,w_848,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Fe03fac54-e899-4058-9845-e3ec3b051243_648x371.png 848w, https://substackcdn.com/image/fetch/$s_!w2Uq!,w_1272,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Fe03fac54-e899-4058-9845-e3ec3b051243_648x371.png 1272w, https://substackcdn.com/image/fetch/$s_!w2Uq!,w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Fe03fac54-e899-4058-9845-e3ec3b051243_648x371.png 1456w" sizes="100vw" loading="lazy"></picture><div class="image-link-expand"><div class="pencraft pc-display-flex pc-gap-8 pc-reset"><button tabindex="0" type="button" class="pencraft pc-reset pencraft icon-container restack-image"><svg role="img" width="20" height="20" viewBox="0 0 20 20" fill="none" stroke-width="1.5" stroke="var(--color-fg-primary)" stroke-linecap="round" stroke-linejoin="round" xmlns="http://www.w3.org/2000/svg"><g><title></title><path d="M2.53001 7.81595C3.49179 4.73911 6.43281 2.5 9.91173 2.5C13.1684 2.5 15.9537 4.46214 17.0852 7.23684L17.6179 8.67647M17.6179 8.67647L18.5002 4.26471M17.6179 8.67647L13.6473 6.91176M17.4995 12.1841C16.5378 15.2609 13.5967 17.5 10.1178 17.5C6.86118 17.5 4.07589 15.5379 2.94432 12.7632L2.41165 11.3235M2.41165 11.3235L1.5293 15.7353M2.41165 11.3235L6.38224 13.0882"></path></g></svg></button><button tabindex="0" type="button" class="pencraft pc-reset pencraft icon-container view-image"><svg xmlns="http://www.w3.org/2000/svg" width="20" height="20" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-maximize2 lucide-maximize-2"><polyline points="15 3 21 3 21 9"></polyline><polyline points="9 21 3 21 3 15"></polyline><line x1="21" x2="14" y1="3" y2="10"></line><line x1="3" x2="10" y1="21" y2="14"></line></svg></button></div></div></div></a></figure></div><h4>That&#8217;s why <strong>191 + 1</strong> matters.</h4><p>The goal is not to replace what the city is already capable of producing &#8212; limited and inconsistent as that production may be.</p><p>The goal is to add <strong>191 + 1 net&#8209;new homes</strong> in 2026, built by people and partnerships ready to invest in a new industry that can overpower those that have already decided urban core production isn&#8217;t worth the effort.</p><p>So <strong>191 + 1</strong> isn&#8217;t about volume.</p><p>It&#8217;s about proving that an entirely new housing industry can exist &#8212; one that builds where need is highest, measures success by throughput, and is willing to cross the line the current system refuses to.</p><p>That &#8220;+1&#8221; is the moment a belief breaks.</p><p>And once that belief breaks, a new housing industry can begin.</p><div><hr></div><h1>2026 New Year&#8217;s Resolution</h1><p><strong>Stop talking to people who don&#8217;t trust you &#8212; and start talking to people who do.</strong></p><p>This section of <em>news.onemillion.homes</em> is dedicated to <strong>everyday People</strong> who are ready to build something different:</p><ul><li><p><strong>Practioners:</strong> Builders. Trades. Investors. Employers. Civic leaders. Housing Support organizations.</p></li><li><p><strong>People:</strong> Teachers, first responders, artists, folks who work downtown, folks who families grew up in the city and have always talked about coming home if____ was in place. </p></li><li><p><strong>Outside Folks:</strong> People who have similar issues in their communities and are looking for a solution to overpower the normal of their own cities. </p></li></ul><p>People who understand that if we want different results, we can&#8217;t keep operating inside an industry designed to avoid scale.</p><div><hr></div><h1>How We Got to &#8220;Impossible Housing&#8221;</h1><p>We didn&#8217;t arrive at this conclusion casually.</p><p>We did the practical thing. We checked the boxes. We worked with the gatekeepers. Banks, CDFIs, Philanthropy, Politian&#8217;s, City Staff, yada yada yada. We sat in the rooms we were told mattered. We partnered, applied, revised, waited, and repeated.</p><p>Over time, a pattern became impossible to ignore.</p><p>New Initiatives were announced. New sources of funding. New promises were made. Planning, committees, surveys. Communities were told change was coming. Then time kicked in, delays increased, priorities shifted. Leadership turned over. Burnout set in. People began to loose trust. </p><p>What didn&#8217;t change was <strong>housing production in the urban core</strong>.</p><p>After years of good&#8209;faith participation, we were forced to confront a baseline truth:</p><p>The system isn&#8217;t failing because people don&#8217;t care.</p><p>It&#8217;s failing because it is operating from a belief that <strong>real, sustained housing production in the urban core is not actually possible</strong>.</p><p>That belief quietly shapes deal sizes, timelines, risk tolerance, and ambition &#8212; until outcomes fit what the industry already believes is achievable.</p><h3>We call this <strong>Impossible Housing</strong>.</h3><div><hr></div><h1>The Receipts: What Kansas City Is Actually Producing</h1><p>Before we go any further, we want to ground this conversation in facts &#8212; not opinions.</p><p>Using KC Home Builders Association permit data, we&#8217;re looking specifically at the urban core of Kansas City &#8212; River to 435, State Line to 435 &#8212; the area where housing need is most concentrated and production matters most.</p><p>Here&#8217;s what the data shows:</p><div class="captioned-image-container"><figure><a class="image-link image2 is-viewable-img" target="_blank" href="https://substackcdn.com/image/fetch/$s_!P687!,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F15e9138a-39b1-4ee2-b675-50bca7e42f4a_1066x371.png" data-component-name="Image2ToDOM"><div class="image2-inset"><picture><source type="image/webp" srcset="https://substackcdn.com/image/fetch/$s_!P687!,w_424,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F15e9138a-39b1-4ee2-b675-50bca7e42f4a_1066x371.png 424w, https://substackcdn.com/image/fetch/$s_!P687!,w_848,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F15e9138a-39b1-4ee2-b675-50bca7e42f4a_1066x371.png 848w, https://substackcdn.com/image/fetch/$s_!P687!,w_1272,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F15e9138a-39b1-4ee2-b675-50bca7e42f4a_1066x371.png 1272w, https://substackcdn.com/image/fetch/$s_!P687!,w_1456,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F15e9138a-39b1-4ee2-b675-50bca7e42f4a_1066x371.png 1456w" sizes="100vw"><img src="https://substackcdn.com/image/fetch/$s_!P687!,w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F15e9138a-39b1-4ee2-b675-50bca7e42f4a_1066x371.png" width="1066" height="371" 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srcset="https://substackcdn.com/image/fetch/$s_!P687!,w_424,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F15e9138a-39b1-4ee2-b675-50bca7e42f4a_1066x371.png 424w, https://substackcdn.com/image/fetch/$s_!P687!,w_848,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F15e9138a-39b1-4ee2-b675-50bca7e42f4a_1066x371.png 848w, https://substackcdn.com/image/fetch/$s_!P687!,w_1272,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F15e9138a-39b1-4ee2-b675-50bca7e42f4a_1066x371.png 1272w, https://substackcdn.com/image/fetch/$s_!P687!,w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F15e9138a-39b1-4ee2-b675-50bca7e42f4a_1066x371.png 1456w" sizes="100vw" loading="lazy"></picture><div class="image-link-expand"><div class="pencraft pc-display-flex pc-gap-8 pc-reset"><button tabindex="0" type="button" class="pencraft pc-reset pencraft icon-container restack-image"><svg role="img" width="20" height="20" viewBox="0 0 20 20" fill="none" stroke-width="1.5" stroke="var(--color-fg-primary)" stroke-linecap="round" stroke-linejoin="round" xmlns="http://www.w3.org/2000/svg"><g><title></title><path d="M2.53001 7.81595C3.49179 4.73911 6.43281 2.5 9.91173 2.5C13.1684 2.5 15.9537 4.46214 17.0852 7.23684L17.6179 8.67647M17.6179 8.67647L18.5002 4.26471M17.6179 8.67647L13.6473 6.91176M17.4995 12.1841C16.5378 15.2609 13.5967 17.5 10.1178 17.5C6.86118 17.5 4.07589 15.5379 2.94432 12.7632L2.41165 11.3235M2.41165 11.3235L1.5293 15.7353M2.41165 11.3235L6.38224 13.0882"></path></g></svg></button><button tabindex="0" type="button" class="pencraft pc-reset pencraft icon-container view-image"><svg xmlns="http://www.w3.org/2000/svg" width="20" height="20" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-maximize2 lucide-maximize-2"><polyline points="15 3 21 3 21 9"></polyline><polyline points="9 21 3 21 3 15"></polyline><line x1="21" x2="14" y1="3" y2="10"></line><line x1="3" x2="10" y1="21" y2="14"></line></svg></button></div></div></div></a><figcaption class="image-caption">https://www.marc.org/news/economy-housing/price-place-how-income-shapes-where-we-live</figcaption></figure></div><ul><li><p>Since 2019, the urban core has <strong>never produced more than 191 new single&#8209;family homes in a year</strong>.</p></li><li><p>In <strong>2024</strong>, that number dropped to <strong>60 homes</strong>.</p></li><li><p>By <strong>October 2025</strong>, it stands at <strong>46 homes</strong>.</p></li></ul><p>Across those years, the urban core has averaged just <strong>138 new homes per year</strong>.</p><p>For context, the broader KC metro averages <strong>nearly 5,000 single&#8209;family permits per year</strong>. That means <strong>97.2% of all new construction happens outside the urban core</strong> &#8212; even though we know that <strong>at least 16,500 families in the urban core earn enough income to afford a new&#8209;construction home if someone actually built one</strong>.</p><div class="captioned-image-container"><figure><a class="image-link image2 is-viewable-img" target="_blank" href="https://substackcdn.com/image/fetch/$s_!3h-F!,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F329ceeb1-14d6-41de-bed6-8907eaf96c03_1320x1323.png" data-component-name="Image2ToDOM"><div class="image2-inset"><picture><source type="image/webp" srcset="https://substackcdn.com/image/fetch/$s_!3h-F!,w_424,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F329ceeb1-14d6-41de-bed6-8907eaf96c03_1320x1323.png 424w, https://substackcdn.com/image/fetch/$s_!3h-F!,w_848,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F329ceeb1-14d6-41de-bed6-8907eaf96c03_1320x1323.png 848w, https://substackcdn.com/image/fetch/$s_!3h-F!,w_1272,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F329ceeb1-14d6-41de-bed6-8907eaf96c03_1320x1323.png 1272w, https://substackcdn.com/image/fetch/$s_!3h-F!,w_1456,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F329ceeb1-14d6-41de-bed6-8907eaf96c03_1320x1323.png 1456w" sizes="100vw"><img src="https://substackcdn.com/image/fetch/$s_!3h-F!,w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F329ceeb1-14d6-41de-bed6-8907eaf96c03_1320x1323.png" width="1320" height="1323" data-attrs="{&quot;src&quot;:&quot;https://substack-post-media.s3.amazonaws.com/public/images/329ceeb1-14d6-41de-bed6-8907eaf96c03_1320x1323.png&quot;,&quot;srcNoWatermark&quot;:null,&quot;fullscreen&quot;:null,&quot;imageSize&quot;:null,&quot;height&quot;:1323,&quot;width&quot;:1320,&quot;resizeWidth&quot;:null,&quot;bytes&quot;:1421403,&quot;alt&quot;:null,&quot;title&quot;:null,&quot;type&quot;:&quot;image/png&quot;,&quot;href&quot;:null,&quot;belowTheFold&quot;:true,&quot;topImage&quot;:false,&quot;internalRedirect&quot;:&quot;https://news.onemillion.homes/i/183596650?img=https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F329ceeb1-14d6-41de-bed6-8907eaf96c03_1320x1323.png&quot;,&quot;isProcessing&quot;:false,&quot;align&quot;:null,&quot;offset&quot;:false}" class="sizing-normal" alt="" srcset="https://substackcdn.com/image/fetch/$s_!3h-F!,w_424,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F329ceeb1-14d6-41de-bed6-8907eaf96c03_1320x1323.png 424w, https://substackcdn.com/image/fetch/$s_!3h-F!,w_848,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F329ceeb1-14d6-41de-bed6-8907eaf96c03_1320x1323.png 848w, https://substackcdn.com/image/fetch/$s_!3h-F!,w_1272,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F329ceeb1-14d6-41de-bed6-8907eaf96c03_1320x1323.png 1272w, https://substackcdn.com/image/fetch/$s_!3h-F!,w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F329ceeb1-14d6-41de-bed6-8907eaf96c03_1320x1323.png 1456w" sizes="100vw" loading="lazy"></picture><div class="image-link-expand"><div class="pencraft pc-display-flex pc-gap-8 pc-reset"><button tabindex="0" type="button" class="pencraft pc-reset pencraft icon-container restack-image"><svg role="img" width="20" height="20" viewBox="0 0 20 20" fill="none" stroke-width="1.5" stroke="var(--color-fg-primary)" stroke-linecap="round" stroke-linejoin="round" xmlns="http://www.w3.org/2000/svg"><g><title></title><path d="M2.53001 7.81595C3.49179 4.73911 6.43281 2.5 9.91173 2.5C13.1684 2.5 15.9537 4.46214 17.0852 7.23684L17.6179 8.67647M17.6179 8.67647L18.5002 4.26471M17.6179 8.67647L13.6473 6.91176M17.4995 12.1841C16.5378 15.2609 13.5967 17.5 10.1178 17.5C6.86118 17.5 4.07589 15.5379 2.94432 12.7632L2.41165 11.3235M2.41165 11.3235L1.5293 15.7353M2.41165 11.3235L6.38224 13.0882"></path></g></svg></button><button tabindex="0" type="button" class="pencraft pc-reset pencraft icon-container view-image"><svg xmlns="http://www.w3.org/2000/svg" width="20" height="20" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-maximize2 lucide-maximize-2"><polyline points="15 3 21 3 21 9"></polyline><polyline points="9 21 3 21 3 15"></polyline><line x1="21" x2="14" y1="3" y2="10"></line><line x1="3" x2="10" y1="21" y2="14"></line></svg></button></div></div></div></a><figcaption class="image-caption"></figcaption></figure></div><div class="digest-post-embed" data-attrs="{&quot;nodeId&quot;:&quot;228d70ef-a8c7-4a79-be7e-924382dbacb0&quot;,&quot;caption&quot;:&quot;Housing in Kansas City&#8217;s Urban Core (and urban cores across the country) is like waiting in a long line at Lamar&#8217;s Donuts&#8230;&quot;,&quot;cta&quot;:&quot;Read full story&quot;,&quot;showBylines&quot;:true,&quot;size&quot;:&quot;sm&quot;,&quot;isEditorNode&quot;:true,&quot;title&quot;:&quot;The [Urban Core] Housing Donut Dilemma&quot;,&quot;publishedBylines&quot;:[{&quot;id&quot;:419572839,&quot;name&quot;:&quot;OneMillion.Homes&quot;,&quot;bio&quot;:&quot;The New American Housing Infrastructure is a a new category of housing delivery: Scale-Built Housing. One strategy to deliver one million homes for underbuilt urban and rural American communities.&quot;,&quot;photo_url&quot;:&quot;https://substack-post-media.s3.amazonaws.com/public/images/317222ce-3cdf-484d-816f-6ff67aa75f6e_750x750.png&quot;,&quot;is_guest&quot;:false,&quot;bestseller_tier&quot;:null},{&quot;id&quot;:419653273,&quot;name&quot;:&quot;Daniel Edwards&quot;,&quot;bio&quot;:null,&quot;photo_url&quot;:&quot;https://substackcdn.com/image/fetch/$s_!4HxZ!,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F9e02ded8-b6da-4fb2-96cf-eaedf7fe7020_3080x3080.png&quot;,&quot;is_guest&quot;:false,&quot;bestseller_tier&quot;:null}],&quot;post_date&quot;:&quot;2025-11-28T04:26:30.116Z&quot;,&quot;cover_image&quot;:&quot;https://substackcdn.com/image/fetch/$s_!Wz24!,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F8d43e25c-4273-437e-ab0c-00bf5041c352_1320x1323.png&quot;,&quot;cover_image_alt&quot;:null,&quot;canonical_url&quot;:&quot;https://news.onemillion.homes/p/the-urban-core-housing-donut-dilemma&quot;,&quot;section_name&quot;:&quot;CITIES&quot;,&quot;video_upload_id&quot;:null,&quot;id&quot;:180152018,&quot;type&quot;:&quot;newsletter&quot;,&quot;reaction_count&quot;:1,&quot;comment_count&quot;:0,&quot;publication_id&quot;:7092610,&quot;publication_name&quot;:&quot;OneMillion.Homes&quot;,&quot;publication_logo_url&quot;:&quot;https://substackcdn.com/image/fetch/$s_!O6RW!,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F78659fcf-3591-4e1c-89e7-c90c6494360f_750x750.png&quot;,&quot;belowTheFold&quot;:true,&quot;youtube_url&quot;:null,&quot;show_links&quot;:null,&quot;feed_url&quot;:null}"></div><div><hr></div><div><hr></div><p>Now here&#8217;s the challenge.</p><p>If MARC tells us Kansas City needs <strong>12,000&#8211;24,000 new homes</strong>, why are we not designing solution for 24,000 + 1 homes? Why are we comfortable aiming below the low end of that range?</p><p>If the data shows <strong>64,000 cost&#8209;burdened families</strong>, why aren&#8217;t we designing solutions for <strong>64,000 + 1 families</strong>?</p><p>Why do we continue to depend on a housing industry that is comfortable producing <strong>only 138 homes a year</strong> in the very place where need is greatest?</p><p><strong>191 + 1</strong> is our answer to that contradiction.</p><p>Not because it solves the entire shortage &#8212; but because it represents the first deliberate act of building <em>beyond</em> what the existing industry believes is possible.</p><p>It&#8217;s not a forecast.</p><p>It&#8217;s a line in the sand.</p><p>And crossing it is enough to jumpstart an entirely new housing industry.</p><div><hr></div><h1>Recommended Next Move</h1><p>If this resonates, don&#8217;t just read &#8212; <em>locate yourself</em>.</p><p>Ask:</p><ul><li><p>Where do I influence housing decisions, narratives, or capital?</p></li><li><p>What assumptions do I quietly accept as &#8220;just the way it is&#8221;?</p></li><li><p>Who else needs to see this data &#8212; not as a critique, but as a wake-up call?</p></li></ul><p>The next issue will unpack <em>why</em> this pattern persists &#8212; even with good people and real money &#8212; and what has to change for Kansas City to move from pilots to production.</p><div><hr></div><h1>Share + Shape What Comes Next</h1><p>If this reframed something for you, don&#8217;t keep it to yourself.</p><ul><li><p><strong>Share this post</strong> with someone who influences housing decisions, capital, policy, or narrative.</p><p></p><p class="button-wrapper" data-attrs="{&quot;url&quot;:&quot;https://news.onemillion.homes/p/impossible-housing-191-1-homes-in?utm_source=substack&utm_medium=email&utm_content=share&action=share&quot;,&quot;text&quot;:&quot;Share&quot;,&quot;action&quot;:null,&quot;class&quot;:null}" data-component-name="ButtonCreateButton"><a class="button primary" href="https://news.onemillion.homes/p/impossible-housing-191-1-homes-in?utm_source=substack&utm_medium=email&utm_content=share&action=share"><span>Share</span></a></p><p></p></li><li><p><strong>Comment below</strong> or inbox us directly and tell us:</p><ul><li><p>What questions about housing, production, or scale do you want answered in 2026?</p></li><li><p>If you could participate in a true <em>win&#8209;win</em> future &#8212; where cities build, families thrive, and opportunity compounds &#8212; what would that look like for you?</p></li></ul></li></ul><p>This newsletter isn&#8217;t a monologue. It&#8217;s an invitation to co&#8209;design a future that actually gets built.</p><p class="button-wrapper" data-attrs="{&quot;url&quot;:&quot;https://news.onemillion.homes/subscribe?&quot;,&quot;text&quot;:&quot;Subscribe now&quot;,&quot;action&quot;:null,&quot;class&quot;:null}" data-component-name="ButtonCreateButton"><a class="button primary" href="https://news.onemillion.homes/subscribe?"><span>Subscribe now</span></a></p><p></p>]]></content:encoded></item></channel></rss>