The region must produce a significant number (thousands) of new homes to address the identified needs.  It is unrealistic to expect the regional housing providers and large developers to create and maintain all of the needed homes, especially at the scales and prices needed, using existing financing (e.g. CDBG, VHFA, NHHFA, Evernorth).  In order to meet the needsignificant amounts of ‘patient’ capital should be available for both affordably priced homes from traditional housing developers, as well as for residents and smaller-scale developers that produce homes at a more incremental scale.  Traditional financing drives up costs as it can be time consuming to get or requires debt service, especially a limitation for smaller homes and apartments.  We need additional, creative ways to help finance this needed production and maintenance of homes.