But what if there was a hand's off approach that countered all of the negatives I talked about above?  What if there was even more to that "hand's off approach" that could allow you to help the community you're investing in? What if there was even a “hidden market" in real estate, one the gurus and big developers pass right by? One the quick-flip investors and slumlords tap into somewhat, but with no greater vision than how little they have to spend and how much they can make on each deal. In fact, some estimates show as much as a 15-year backlog in this massive market, with millions of working-class families clamoring for the few quality homes available in each market. A high-demand market that is simply not being filled… and this market pressure means tremendous opportunity. 

It’s no secret that most lower-to-middle income Americans have found themselves increasingly squeezed out of the “American Dream” of home ownership. They’ve been left behind by traditional real estate investors and developers, whose focus on ever-bigger, ever-more expensive houses has almost totally ignored this huge market need. This, along with predatory, subprime lending practices, created the false “bubble” market economy that finally burst in Spring 2007. The sad result is a housing market over-saturated in the $250,000 and up houses, and a glaring deficiency in the under-$150,000 market.

If you read between the lines you’re already sensing the enormous potential here.

Imagine a socially-conscious company that targets neglected urban areas, those that have a great inventory of quality, affordable homes but haven’t had the attention of many investors other than the smalltime, quick-flip crowd for years. There has been no overriding vision of change for the community itself… and that is what it takes to create new markets and increased values.

The areas we’re talking about often beat out other area communities in the “Location, location, location” department too, with easy access to business centers, corporate headquarters and nightlife… yet many locally-owned businesses are nearby, struggling to survive. They’re often have excellent public transportation and other services… but in cities across the country, these “Main Street America” communities have seen steady declines over the last 20 or 30 years.

The homes usually have solid, quality construction from the 1920s, 1930s, 40s, 50s, 60s even 1970s. The neighborhoods often have tree-lined streets and parks. The homes are much more modest than the “McMansions” so prevalent today. They’re affordable, too. Perfect for blue collar, working class families…but again, a master vision is required to make the area desirable again.

But let me throw one more iron in the fire; what if this "hand's off" approach came with a guaranteed minimum return on investment?

I have come across what I see as the most exciting, powerful and amazing opportunity in the country.  The program is called Socially Conscious Investing and is offered by the CEO of the publically traded City Capital Corporation, Ephren Taylor.

Ephren Taylor has been preaching the concept of socially conscious investing for years to a select group, but it wasn't until just now that this wealth-producing knowledge has been available to everyone.

City Capital's Vision

Part of City Capital’s vision includes initiatives to create affordable housing for working-class families by utilizing and creating unique opportunities for “Socially-Conscious Investing To Empower Urban Communities.” As mentioned above, this market is severely underserved, with some estimates showing as much as 15-year backlogs of homes the average blue collar family can afford.

As a result of their national Urban Wealth Tour and the high regard CEO Ephren W. Taylor II has in the national affordable housing picture, City Capital is often requested to come into a city and effect “community renaissance.” The company’s team meets and establishes relationships with government and community leaders, economic development groups, community development corporations (often owned by churches or other non-profits), contractors, property managers, financial sources and other service providers. Together they identify target areas for revitalization, convenient to local businesses and shopping, business districts and corporate headquarters, and public transportation. The company negotiates available incentives such as property tax abatements, infrastructure improvements, block grants and other resources with city and community leaders. They also look for good, family recreational facilities such as parks and swimming pools, and select local programs to support, such as new homeowner training and at-risk youth programs.

City Capital puts as much as 40% of their profits back into the communities themselves in the form of programs such as these and other community initiatives. The company’s practical development and redevelopment programs employ local solutions, and return significant amounts of profit to the local communities. City Capital consistently delivers, and has been called a “Proven Market Maker.” By literally “creating their own markets,” the company also generates significant returns for its IRA investors.

The company makes sure each home is renovated to our stringent guidelines. These include items such as new plumbing, green improvements such as new energy efficient furnaces or heat pumps water heaters and appliances, and energy-saving double-pane windows and insulated steel doors. Whatever needs to be done is done, depending upon the area and home, to make it right from day one for Credit-Investors, tenant families, and ultimate homeowners.

The value of the home is based on the independent lender’s appraisal process. Individual investors alone, without any baseline community or local government support or incentives, cannot create the kind of positive community changes required to sustain positive market changes. There is no crystal ball as to future value of a particular property, but only a master plan approach such as this can effect the kind of dramatic changes described. Everything possible is done to ensure that, at resale, Credit-Investors have a piece of a much bigger vision, and get to share in the profits of our overall success along with the community and families involved. And then do it again. And again. And again.

Private real estate investors naturally look only at how much profit they can make from  individual home purchases, and not a long-term, bigger picture of community change. City Capital believes that a for-profit corporation can and should do the kind of work that non-profits do, and that corporate profits along with individual client-investor dollars, can allow this on a much larger scale. Only by going in with the intention of completing dozens and dozens of quality, affordable homes for blue-collar, hard-working families, can an area undergo a true “community renaissance.”
For more information or to get involved, click here