Beyond the Buildings

Unlocking the next American neighborhood renaissance

Beyond the Buildings

Show Notes

While missing middle housing offers a scalable solution to the national affordability crisis by providing diverse, house-scale options, it remains largely untapped due to restrictive zoning and specialized financing gaps.

- These housing types have been largely missing for 70 years because many U.S. zoning laws made it illegal to build anything other than detached single-family homes. - When people move into new middle housing, they vacate older, more affordable units, opening up the housing ladder. - While many cities struggle with housing shortages, regions like Portland, Oregon and South Bend, Indiana have successfully shifted their mandates to unlock new inventory.

Links: https://www.cotality.com/insights/podcasts?sort_name=desc

More from Beyond the Buildings

Sep 16, 2026

The rapid expansion of artificial intelligence is remapping the physical property landscape, creating a paradox between digital growth and local real-world constraints.

Sep 2, 2026

Beyond the Buildings host Maiclaire Bolton Smith welcomes Cotality Senior Principal Economist Molly Boesel to examine five common myths about mortgages in the housing market, exploring how grounded data helps clarify today's property landscape.

Aug 19, 2026

On this episode of Beyond the Buildings, host Maiclaire Bolton Smith sits down with Cotality's Chief Scientist, Howard Botts, to explore Cotality's 2026 wildfire risk report.

See all episodes →