2025 Concordia Annual Summit

Bridging the Gap: Public-Private Solutions to America’s Housing Crisis

  • Advancing Human Rights & Social Progress
Ayesha Khan, Sarah Holder, Rob Bonta

Session
Partners

Session Summary

Important
Quotations

"As a nonprofit housing developer, we have a unique value proposition for the community. We have already established trust and credibility in the communities we serve, and we are not motivated by profit. Any developer fees we receive are reinvested back into the community."
Ayesha Khan
"I do not think it is an overstatement to say that housing affordability is one of the most urgent issues of our time, especially in the United States. Almost half of renter households in this country are considered rent-burdened, meaning they spend more than 30 percent of their income on shelter."
Sarah Holder
"Laws are only as strong as their enforcement. We try to make it very clear, both through our platform and our actions, that these laws will be enforced and that housing will be built consistent with the law."
Rob Bonta

Key
Takeaways

  • Multi-Sector Collaboration is Essential: Successful affordable housing emerges from partnerships across government, nonprofit, private, and philanthropic sectors. Projects combining diverse funding sources—such as city/state funding with low-income housing tax credits and community development financial institutions—demonstrate the most success.
  • Enforcement Drives Real Results: Strong enforcement mechanisms are critical for translating policy into housing production. As demonstrated in California, “laws are only as strong as their enforcement,” and clear legal frameworks provide the certainty developers need to invest at scale.
  • Nonprofit Advantage in Community Trust: Nonprofit developers build community support through established trust and credibility without profit motives. They can facilitate difficult conversations about density while reinvesting fees into community revitalization.
  • Federal Uncertainty Requires State/Local Resilience: Policy instability, including tariff uncertainties and funding fluctuations, forces state and local partners to develop robust collaborative strategies and scenario planning approaches.

Action
Items

  • For Government: At the federal level, maintain steady funding and protect low-income housing tax credit programs; at the state level, enforce comprehensive housing laws with clear oversight and technical support; and at the local level, conduct community needs assessments and ensure transparent, predictable approval processes.
  • For Private/Philanthropic Sectors: Establish innovation funds for rapid response to emerging opportunities, invest in community-enhancing features to build public support, and commit long-term capital recognizing housing as essential infrastructure.
  • For Nonprofit Developers: Use community trust to lead discussions on housing density, design holistic projects that meet multiple community needs, and form partnerships with both traditional and alternative funding sources.
  • For All Stakeholders: Direct funding toward low-income families often excluded from market-rate solutions, ensure accountability so policy commitments result in real housing development, and build political and community consensus around the urgent need for more affordable housing.

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