Housing Subsidy Solution (HSS)

Fueled by Compassionate Capitalism, BHM’s Housing Subsidy Solution (HSS) represents a unique partnership between the private sector and local government, managed and administered by bankers and real estate executives, that shifts the responsibility of delivering affordable housing from the public to the private and public sectors.

The HSS consists of two key components: Housing Solution Ordinance (HSO) and Housing Subsidy Fund (HSF).

Housing Solution ORDINANCE (HSO)

The first component of the Housing Subsidy Solution (HSS), the Housing Solution Ordinance (HSO), is a legislative framework to ensure that all people residing in the local community have affordable housing to live in and raise a family fear-free of eviction and being rendered homeless. The HSO, designed to be locally customized, stipulates the following:

1. No buyer or renter shall pay more than 25% of their family income for primary residential housing
2. The amount in excess of 25% shall be offset by the related House Subsidy Fund (HSF)
3. Landlords, developers, and sellers shall be guaranteed a reasonable return on their investment (ROI)

Housing Subsidy FUND (HSF)

The second HSS component, the Housing Subsidy Fund (HSF), is a locally created and privately managed source of funding to keep housing costs at or below 25% of people’s income. The HSF would be funded by these five contributing stakeholder groups:

1. Government Agencies
2. Developer, Landlord, and their Charities
3. Foundations, Philanthropists, and Interested Individuals
4. Financial Institutions and their Charities
5. Houses of Worship and Housing-Related Nonprofits

How Our Solution Is Different


The Housing Subsidy Solution (HSS) represents a hyper-localized grassroots solution (bottom up meets top down, not the other way around).

Public-Private Partnership

Shifts the burden of subsidizing affordable housing from the public sector to the private and public sector (in partnership with local government leaders).



Fueled by Compassionate Capitalism, HSS guarantees landlords, developers, and sellers a reasonable return on their property investments.

ongoing collaboration

Requires ongoing collaboration among unconventional stakeholders such as landlords, developers, banks, and religious organizations

5 Steps To Begin Implementing Housing Subsidy Solution in Your Community


Municipal government determines what grants and tax benefits they currently offer, and explores additional funding from the county, state, and Fed.


Foundations, philanthropic organizations, and interested individuals make grants/donations — large and small– to the Housing Subsidy Fund (HSF).


Landlords and developers direct a small percentage of their profit, in addition to their charitable contributions, to the Housing Subsidy Fund (HSF).


Financial institutions that make mortgages and construction loans or finance bonds for infrastructure projects give a percentage of their basis points.


Religious houses of worship should be required to contribute a percentage of the donations they receive to the Housing Subsidy Fund.