Zero Subsidy Affordable Housing homelessness prevention. Zero Subsidy Affordable Housing (ZSAH) is based on the idea that if people could buy only a percentage of the appreciation value that they can afford, and still secure stable access to a home, up to half of homelessness in dense urban regions could be prevented. Home buyers today buy 100% of a home at the time of purchase, and borrow money through a mortgage to be able to afford to do so. But this purchase masks the fact that they are buying two things at the same time- 100% of the future sale price of a home (so-called appreciation value), and 100% of the usage rights of that home while they are living there (so-called use value). If people could buy only the percentage of appreciation value that they can afford, and still secure stable access to a home, half of homelessness, half of housing insecurity, half of super-commuting in dense, coastal urban regions such as the Bay Area, New York, Seattle could be prevented.

Data science of making the case for financing feasibility. Housing availability, cost, and financeability. How many houses are available to purchase each month? How many houses removed from the market through shared equity housing would effect the market? What local market scenarios and stock market scenarios would allow the ZSAH to be financed? How does the economic feasibility of family housing security relate to scenarios for impact investors?

Collaborative inclusion of them with our colleagues.