The housing crisis is a fabricated crisis!
1.) Real estate broker lobbyists; 2.) big corporate developers; 3.) NIMBY's and 4.) certain exclusionist tech billionaires want to NEVER allow affordable housing and affordable pre-fab builders to exist. Almost every politician, especially county planning staff, are paid bribes by real estate broker lobbies and big corporate developers.
So there is this massively financed army of mega-powerful anti-housing people who have huge law firms working to stop all of your good deeds and manipulate all of your politicians and social service agencies.
How do you win that battle? Let's take a look.
As California enters what Sacramento calls: "the worst housing crisis in 100 years!", one must look at the big picture. The U.S. housing market is 4 million single-family homes short of what is needed to meet the country’s demand, according to a new analysis by mortgage-finance company Freddie Mac. The estimate represents a 52% rise in the nation’s home shortage compared with 2018, the first time Freddie Mac quantified the shortfall because states like California have made home-building practically a crime.
Thousands of modern Dwell magazine-type pre-fab home suppliers can deliver amazing modern homes for around $150K but they are stonewalled, delayed and forced to double or triple those costs because of anti-building rules promoted by California and now mirrored nationally by greedy politicians. Greedy politicians take bribes from real estate lobbies and big developer corporations who HATE affordable homes because they don't make much profit on them.
One approach is to break-up and sue ALL of the real estate broker lobbies and big development corporations. You can sue them and their political lap dogs under RICO and anti-trust laws. Politicians recieve bribes from the anti-housing bad guys as: cash, search engine rigging, hookers, dinners and via hundreds of other forms of payola and stock market trades. You would think that using legal tactic to take them all down would be a slam dunk. It isn't. Those politicians control whether or not those legal actions can get launched. So you have to be very creative to counter-measure them. For example, you can shame them into submission using the internet's mass media technologies.
If the State of California was serious about solving the housing crisis it would support a SIMPLE program for the hundreds of thousands of renters, who get $1600.00 a month, forever, from HUD for tiny rental apartments, to EASILY use that money for mortgage to build, or buy, a small home.
By law, there is SUPPOSED to be such a program: The HUD Section 8 Home Ownership Program, is supposed to allow this to happen, but it is shadow-banned across the state. Most county officials don't even know how it works or direct inquiries to dead-ends. The HUD Section 8 Home Ownership Program must be easier to get into, easier to find out about and no longer HIDDEN by County officials.
Don't believe it? Do a test yourself. Call the Housing agency office in each of California's 58 counties. When someone pick's up the phone say: "I am HUD-qualified for the HUD Section 8 Home Ownership Program. I would like to use the program to buy or build a home in your county. What do I need to do to complete the process?". Then experience a hell beyond anything you can imagine. You won't get in, most likely, and it won't be your fault. You will be kept out. This is a federal law. It is your right to use this law. If you already get HUD money to underwrite your rent, you are per-qualified to use this program. Santa Cruz, Marin, San Francisco and other snooty counties will try to stop you because using it means you might not be white enough for their vision of high tax revenue home owners. You might be a deplorable if you use your federal $1500.00 for an actual home. The average mortgage payment in America is $940.00 per month to own a home. HUD pays an average of $1500.00 per month to your landlord. Do the math! These people will build free home inventory for California, die, and leave that inventory in California. Why won't California help them to help solve California's housing inventory crisis?
A person building their own home is going to make sure it is done right if they are going to live in it. Build-your-own-home singular home-builders can contribute to the home inventory problem faster and more cost-effectively.
Marcia Fudge at HUD said the Biden administration plans to level the playing field for Americans who want to buy a home by providing down payment assistance for people to move from public housing to homeownership.
“We will make sure those who can afford a mortgage are put in a position to be able to buy a home,” Fudge said. “Right now we have banks who don’t want to lend to people to buy a home for less than $50,000″ — homes, she said, that “poor people” can afford, with monthly mortgage payments often lower than rent.
San Francisco built brand new homes across from the Police HQ in San Francisco and these small prefab units ended up costing hundreds of thousands of dollars per unit: They cost twice as much as the same unit in Austin, Texas would cost to build. Why are cities spending the same per apartment for homeless people that you can build a 1600 sq. ft. stand-alone single family modular home for!??? The answer is: Cronyism. They could have cost much less but the process tripled their cost in California.
California spends an average of $800,000.00 to build each "low income apartment" for low income people. That is what the government pays for each unit. If you are not aware of how much things actually cost, and you are willing to pay all of the mark-ups and inflated numbers of retail prices then your average cost to build a 2,600 sq.ft. single-family home in the U.S. ranges from $240,000 to $710,000, with most homeowners spending around $423,800 for the job. The high cost is $1,000,000+ for a 2,600 sq.ft. custom-built home with high-end materials, three-car garage, covered deck, and landscaping. That million dollar+ price is for the yuppie people who pay $150.00 per month for the same tv channels that smart people get for $10.00 per month. BUT!...The build-it-yourself cost for this is $140,000 for a 2,600 sq.ft. builder-grade home with no changes. Every time you change even the tiniest thing in your construction plan, add $10,000.00, or more, to your cost. Most people only ACTUALLY need a 1,200 sq. ft. home but they can't let go of the "mine-is-bigger-than-yours" syndrome. That build-it-yourself modular/prefab home at 1,200 sq. ft. can be under $100,000.00 if you are an EDUCATED general supervising contractor who hires a licensed, top-references, electrician, carpenter and plumber to build it with them. If you build-it-yourself without hiring those seasoned specialists, your project will usually fail. Homes only cost a million dollars if you are a sucker.
2 bedroom stand-alone homes can be built for $100,000.00 in costs. Realtors, builders, developers and politicians will LIE all day long to keep this fact from being exposed. The bribes, mark-ups, payola, padding, profiteering, etc. make that same house cost $1.2M on the market. For example, see: http://ruralstudio.org/project/2020-20k-home/
San Francisco City Hall found that painting and servicing a white rectangle on the ground for homeless people to put their tent in cost the City $6000.00 per month per rectangle. That is how much a penthouse luxury apartment with multiple bathrooms costs in Austin, Texas. Why is building something costing more than the thing is worth? Cronyism, kickbacks and self-dealing with buddies.
Many Housing Permit Department and City Hall people in San Francisco have been arrested, recently, but the corrupt practices and bribery continues without pause.
Even more interesting: San Francisco took over luxury hotels and offered them to the homeless but 70% of the homeless refused to use the free housing. 70% of the homeless refused a free home in a luxury hotel!!! Why?
The homeless people said why, and it is documented, but NOBODY IN SACRAMENTO EVER reads the statements or they hide the statements from the public.
Here is why the homeless said they don't want California's free housing:
1.) The rules to live in the housing are not rules they can, or will, comply with.
2.) Most of them are addicted to smoking, drinking and drugs and the "free units" have cameras and sensors that record them doing the illicit things. They know that and won't move into a place they know they will get arrested or evicted from as fast as they move in.
3.) The vast contracts and regulation documents they must agree to are something they need a lawyer to explain to them and none of them have lawyers.
4.) Many of them use sex bartering and the cameras on the units will record sex worker activities.
5.) None of them want to be condensed into a tight space with other crazy people because they get set-upon by the worst of the bunch.
6.) They don't want multi-unit housing! They hate it. They want individual homes where they control the whole environment. San Francisco is spending at least TWICE as much money for short term solutions as it would cost for individual pre-fab stand-alone homes.
The San Francisco construction unions and lobbies won't allow the homeless solutions that will work. All of the special interests in San Francisco, from unions, to rich people, to politicians, to realty lobbies, to you-name-it, will block anything that makes housing cheaper. They ALL make their money off of a percentage of the most expensive property values. The Realtor lobby and the big building lobby are probably the most powerful special interest groups in California, after the teachers union. They HATE affordable housing. Anything they say to the contrary is a lie. They bribe 90% of the politicians in the state via Dark Money conduits. They are NOT going to help solve this.
California has published a vast number of reports, at a cost of tens of millions of dollars, listing the exact number of homeless people, but California has never spent the $60,000.00 it would cost to ask each homeless person the 10 questions about what they want! California politicians in Sacramento don't actually care what homeless people want. They care what they can scam out of a "stimulus" fund to scrape their cut off-the-top of.
When you call top Housing agency officials in Santa Cruz, Marin, San Francisco, Tulare and other counties to ask them what the main reason is that poor people can't get new homes built, they all pretty much said: "The State and County laws prevent us from building anything these days..."
San Jose got it right by promising a one hour permit time-frame for ADU home construction but other counties are resisting this permit optimization effort because permits are where bribes happen!
Factory OS, BluHomes, Clayton Homes, Homes Direct, and an army of other factory built home companies, have offered homes to Californians for $150,000.00, or less, if the State will just fix the permit process and give them a pre-order of 200 homes at a time. Banks will finance these...if the State of California will help bundle land and construction financing in the same package.
Marin County staff said: "We have enough open, empty fields in the county to house every single homeless person in the State but we can't get anything built here without a ton of lawsuits, 5 year studies and permit hell-scapes. Every homeless person could get a modern Dwell Magazine-style stand-alone small house if the Country Office's didn't block every single construction project that is attempted!"
The difference between what California says, and does, is the same difference between night and day. San Francisco is an example of how home-building has been halted in the State. The rest of the state is following the profiteering based blockades to keep homes from getting built to deliver permanent supportive rental housing for people living with a serious mental illness who are homeless, chronically homeless, or at-risk of chronic homelessness. The government funds are rarely ACTUALLY used to acquire, design, construct, rehabilitate, or preserve permanent supportive housing, which may rarely include a capitalized operating subsidy reserve.
OK, so say you don't care about the homeless people. "Screw em all" you say. "They are low life drug users and weirdos who won't confirm to our white picket fence social programming..."
If you care about getting a home for yourself, you have the same problems.
Want to buy a home or buy a bigger home? Forget it, you are screwed if you live in California. The State has, essentially, "outlawed" construction.
You can't build a home without the process being so painful, expensive, delayed and litigation-focused that it will ruin your life.
If the State of California was serious about solving the housing crisis it would create a singe two to three page building permit application, that worked in every County, that a single state office could sign off on within 48 to 60 hours.
If the State of California was serious about solving the housing crisis they would change the zoning codes. Nobody can build in California without being punished for it by California and County regulations.
If the State of California was serious about solving the housing crisis they would turn the tsunami of state-created immigrant unemployment into a positive, Now that California has let half of Mexico in to the State, you have huge clusters of skilled workers hanging around, looking for work, a few blocks away from every Home Depot in the State. Each 20 of them can erect a move-in ready home in one week. Give them an empty pasture and a challenge and turn them loose with a pay-per-house incentive payment structure.
All of the programs listed at: https://www.hcd.ca.gov/grants-funding/active-funding/index.shtml need TRIPLE the amount of funds currently allocated and they need to be moved into no less than 3 main programs. The current MASSIVE number of programs guarantees that corruption, duplication, and transparency inefficiency are at a maximum worst-case level. In all of these programs there is nothing for the individual. Almost all of the plans are based on the "Shove-them-all-in-a-big-concrete-building" concept. The public does not want that. NOBODY wants to live in, or see, multi-unit housing. The State needs to also TRIPLE the amount of programs for the SINGLE FAMILY or INDIVIDUAL. County Housing agencies have been found to be corrupt and motivated by bribes. If the State of California was serious about solving the housing crisis it would put a billion dollars of it's freebie COVID CASH from Washington, DC into it's CalHOME fund and restart that fund.
On Broadway and Divisadero streets in San Francisco, giant mansions house two to four people. Those structures, without changing the outside of the buildings one tiny bit, can house hundreds of people. NIMBY's biggest complaint is based on appearance. If you change the inside of structures and keep the outside looking "classic", you get the least amount of NIMBY issues. San Francisco already has ALL of the fully constructed square footage to solve ALL of it's housing issues, if it works from the inside out. Empty office buildings and dead millionaire mansions can deliver the square footage.
Gavin Newsom based his election on providing millions of new homes to California. Nobody has been able to find a single one of these new houses he said he was going to build.
THE BIGGEST TAKE-AWAY: "NOBODY wants to live in a multi-unit concrete building block. Multi-unit project buildings harm people's mental state and create conflict, house gangs and they are bad socially. These is enough empty land for everyone in California to have a 1600 sq. ft. home of their own. Change the rules so that more people at below $100K income levels can buy or build a home and the public will solve the housing crisis.
Until those kinds of things happen, there is no hope for the State! Greed, payola, special interests and revolving door jobs control your housing opportunities in the state of California. California State has every tool, resource and dollar it already needs to solve every single housing issue in the State except one think: "Courage". It take courage to say "No" to the special interests. It takes courage to say "No to the Silicon Valley billionaires. It takes courage to cut off the spigot of Congressional bribes. Most of the federal cash that comes to California always ends up in a politicians, or their friend's pockets. It takes courage to say that every Californian that invested their lives in California deserves the home in California that they were promised. Fix the HUD Section 8 Home Ownership Program in California. Make an office in every major city that ONLY helps people with the HUD Section 8 Home "Ownership" Program and not just the Section 8 "rental" program.
ALL OF THE MONEY needed to fund that is already paid out in California, by HUD, EVERY MONTH! Give citizens their promised right to build and own a home!