Landlords may understand code requirements and still not make needed repairs or safety alterations, including accessibility and lead abatement, due to lack of capital. This is not necessarily due to greed, but also can be due to access to credit and fear of investment that would then require raising rents on stressed tenants. A financial capital pool that is available to small landlords would remedy the capital side and could be made in the form of very low interest, long-term liens payable on sale of the building or grants in return for affordability covenants.