The demand for safe, affordable, good-quality housing continues to rise in the U.S., but the bulk of today’s existing housing stock is outdated or, in some cases, toxic due to lead paint and poor conditions. As Millennials enter the housing market in greater numbers, many potential homebuyers don’t have sufficient capital for a down payment or good enough credit to obtain mort- gage financing, and are often unable to renovate properties that are outdated or of sub-standard quality.