America is facing a housing crisis, primarily in our rural regions. This crisis, in part, can be attributed to two main issues, affordability and sustainability. Americans are overburdened by overwhelming costs of housing. The majority of the houses in rural towns were built before 1929. North Central Kansas and Northwest Kansas need new, affordable homes, but an urban business model and shortage of specialists in the trades hampers growth. Typically, due to risk, banks will not provide mortgages for low value homes. With the value of the home already suppressed, it is also very difficult to finance major improvements or repairs.

Most houses in the area that are affordable are very low quality or even unhealthy. The homes that are of good quality are too expensive, making them out of reach to those in the workforce who only earn 80% of the Area Median Income.  Rural homes are hard to develop.