Explainers

Housing and community development can be complex, and no one is an expert on every corner of it. Even the experts sometimes have trouble breaking down what they know for others. Shelterforce explainers will help you introduce yourself to new topics, and explain key points and frequently asked questions to others. Have a topic you’d like covered in an explainer? Send it to [email protected].

The Latest

A painting, mostly in shades of blue, showing a group of people of all ages, genders, and races, building a shelter together in a wooded area. The sky is stormy and dark, and it is raining out, but light shines down on the shelter being built, illuminating the people around and inside of it. A figure covering their head with a blue denim jacket approaches in the foreground. A figure stepping out of the shelter waves to them in greeting.

Series Guide: Shelter in a Federal Storm

Start here to navigate our series on state and local strategies that are being deployed at a time when federal action is largely blocked.

Search & Filter Within this Topic

filter by Content Type

filter by Date Range

search by Keyword

State & Local Policy

What Is TOPA?

A tenant opportunity to purchase act (TOPA) is a policy that gives tenants some specific rights when their building goes up for sale. Learn what it covers and what it doesn’t in this video.

A leak pours into a bin and a bucket, on top of a wet hardwood floor. A couple sits on a couch in the background.
Explainers

What Makes a Habitable Rental Home?

Almost every state in the U.S. requires that landlords maintain safe and livable residential units. This is often called a “warranty of habitability.” In some places, there are laws that specify exactly what those requirements are; in others, the standards are less defined.

Explainers

Affordable Housing Finance 101

The financial intricacies involved in building affordable housing can be difficult to understand. This explainer breaks down the foundational concepts.

Stylized illustration in shades of blue, plus black and white, showing a white man in a business suit carrying a briefcase and looking through a telescope. He stands atop a tall apartment building.
Opinion

What’s in a Name? Investors vs. Speculators

We don’t often make a clear distinction between investors and speculators, which makes it harder to identify harmful behavior—and to find solutions for it.

Illustration. In focus, a tiny cardboard or balsa-wood cutout of a two story house with peaked roof, held by the hand of a young man, who is in the background but quite blurry, and only his face below his eyes is visible.
Explainers

What Is ‘Affordable Housing’?

For such a commonly used term, “affordable housing” means a lot of different things to different people and in different contexts.

View from the parking lot of two two-story motel-like apartment buildings, painted a sage green with black exterior stairway leading to the second floor apartments. Shrubs in the yard between the buildings include crape myrtle. A dark green minivan is parked in the lot and beyond it, a red sedan. The sky is blue with large cumulus clouds.
Housing

Rising Property Insurance Costs: The Threat to Affordable Housing

This video and related articles explore a ballooning crisis endangering affordable housing, even as the need for it keeps growing.

Westerly Creek development
Affordability

How Are LIHTC Rents Set—And Why Can’t So Many Renters Afford Them?

This video breaks down the LIHTC rent-setting process, and shows the surprising number of people it doesn’t serve.

A poster: Q: What Does "Community Benefit" Mean? A: This term means different things to people in the health sector and the community development or organizing sectors, which can get confusing. Two sections of text titled "Hospital Community Benefit Requirement" and "Community Benefits Agreements," with clip art to illustrate. Image links to PDF version
The Answer

Q: What Does ‘Community Benefit’ Mean?

A: This term means different things to people in the health sector and the community development or organizing sectors, which can get confusing.

Q: What Are the Three Major Types of Community- or Resident-Controlled Housing and How Do they Work? Brief descriptions of cooperative, community land trust, and mutual housing association with clip art illustrations. Image links to PDF version.
The Answer

Q: What Are the Three Major Types of Community- or Resident-Controlled Housing and How Do They Work?

There’s a lot of momentum toward resident-controlled housing. Do you know the three major forms it takes?

Explainers

LIHTC for Regular People

The Low-Income Housing Tax Credit is famously complex. We can’t exactly make it simple, but we’ve broken down the basics, especially those that residents of a LIHTC property might want to know, as clearly as possible.

Transparent check mark over compliance related icons and words handwritten on white papers
Explainers

How Are LIHTC Rules Enforced—And How Well?

LIHTC developers must follow strict affordability rules—and fulfill other promises—for at least 30 years. While industry insiders insist compliance rates are high, tenant advocates say noncompliance is a real problem.

Fair Housing

What Is Affirmatively Furthering Fair Housing?

Shelterforce has put together a short video to explain what “Affirmatively Furthering Fair Housing,” or AFFH, means, and the history of its enforcement.