Why Ownership Matters
Rental housing — even affordable rental housing — does not build wealth. Residents pay for shelter but accumulate no equity. CDMM housing programs are designed to change this: to give residents a permanent stake in their community, build intergenerational wealth, and reduce the long-term cost burden of housing by removing speculative land value from the equation.
"Rental housing — even affordable rental housing — does not build wealth."
CDMM housing programs are designed to change this — giving residents a permanent stake in their community.
Housing Programs
Foundational Homes
Municipally developed homes built on publicly owned land, sold to residents at attainable prices. Because the land is held by the municipality in perpetuity, the cost of homeownership is dramatically reduced — residents build equity in the structure without paying speculative land prices.
Municipal Tiny Homes
Compact, high-quality homes on municipal land — an entry point to homeownership for residents who cannot access conventional mortgage financing. Designed for dignity and permanence, not temporary shelter.
Municipal Land Banking
The municipality acquires and holds land over time, preventing speculative price escalation and ensuring a permanent supply of sites for affordable development. Land banking is the foundation that makes all other housing programs viable at scale.
Homeownership Pathways
Structured pathways from rental to ownership — including rent-to-own arrangements, municipal mortgage support, and down payment assistance funded by CDMM enterprise returns. Designed to build generational wealth for residents who have been locked out of conventional homeownership.
Explore the full CDMM framework
See how housing connects to enterprises, employment, and community wealth.