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PD&R Edge, an online magazine, provides you with a snapshot view of our newly released research, periodicals, publications, news, and commentaries on housing and urban development issues. Stay informed on current topics and check back frequently, as our content is routinely updated.
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Alternative Pathways to Affordable Homeownership

A Pew Charitable Trusts survey conducted in 2019 found that one in five home borrowers pursued alternative financing options at least once as a pathway to homeownership when they could not access traditional mortgages. Compared to traditional mortgages, alternative financing methods often result in higher costs, lost equity, and eviction. On August 10, 2022, the Urban Institute held “The Push and Pull of Alternative Pathways to Affordable Homeownership,” an event discussing recent research on alternative financing arrangements and their disproportionate use by race and income. The event featured a panel that highlighted the viability of these financing methods for increasing affordable homeownership for low-income and minority borrowers when federal protections are in place.

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In Practice:
The Clinton Avenue Apartments Preserves Affordable Housing and a Piece of Albany’s Architectural History
Reopened in summer 2021, the Clinton Avenue Apartments are a 210-unit, scattered-site affordable housing development in Albany, New York, that involved the renovation of 70 historic rowhouses in the city’s Arbor Hill neighborhood. Redevelopment involved extensive rehabilitation of the structures, including the replacement of roofs, interior walls, and floors and the modernization of electrical systems, kitchens, and bathrooms. Units rent at a range of income levels. Forty units at the Clinton Avenue Apartments are reserved for participants in a state supportive housing program for adults with mental illnesses.

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