Insights and Updates

A national overview of how the lending system treats two-to-four-unit and accessory dwelling housing — and how that treatment has begun to change.

For most of my professional life, I have worked in the uneasy space between capital and community. I have spent decades in rooms where people discussed affordable housing deals, economic development strategies, redevelopment plans, tax credits, neighborhood decline, investment gaps, poverty rates, loan pools, and public policy. Sometimes the conversations were inspiring. Sometimes they were transactional. Occasionally they were transformative.

James Carras is one of the most respected voices in community development finance. As Principal of Carras Community Investment, Inc., he has spent over three decades supporting mission-driven organizations, developers, and financial institutions in building equitable, thriving communities.