Solving Housing - Revision history

Goto: /* Problems */

2026-01-07T12:52:25Z

Problems

← Older revision		Revision as of 12:52, 7 January 2026
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	* Land parcel/zoning structure - land is often not structured or sold in ways or sizes amenable to affordable housing. Rural areas often have minimum parcel sizes, which can drive up the minimum required capital to purchase land.		* Land parcel/zoning structure - land is often not structured or sold in ways or sizes amenable to affordable housing. Rural areas often have minimum parcel sizes, which can drive up the minimum required capital to purchase land.

			* Specialization culture - everyone is encouraged to go to college & learn 1 job, and perform nothing else for his entire life. This leads to extremely disintegrated economies, where people call a plumber or electrician, who might as well be a wizard. Think of the Heinlein quote: A human being should be able to change a diaper, plan an invasion, butcher a hog, conn a ship, '''design a building''', write a sonnet, balance accounts, '''build a wall''', set a bone, comfort the dying, take orders, give orders, cooperate, act alone, solve equations, analyze a new problem, pitch manure, program a computer, cook a tasty meal, fight efficiently, die gallantly. Specialization is for insects.

	=Solutions=		=Solutions=

Goto: /* Problems */

2026-01-07T12:42:51Z

Problems

← Older revision		Revision as of 12:42, 7 January 2026
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	* Technological & societal changes - starting around the 1980s or so, more and more jobs went from agriculture/manufacturing, which can be rural & decentralized, to professional jobs, which are highly centralized in a handful of big metro areas like New York City, Chicago, or Los Angeles. With the advent of the internet, work-from-home, Starlink, and cheap solar power, this trend seems to be reversing a bit: it is now more feasible than during any time in the last 50 years to decentralize and move back to more rural areas and live off-the-grid without foregoing all the amenities of modern life (culture, good jobs, communication, education, good food).		* Technological & societal changes - starting around the 1980s or so, more and more jobs went from agriculture/manufacturing, which can be rural & decentralized, to professional jobs, which are highly centralized in a handful of big metro areas like New York City, Chicago, or Los Angeles. With the advent of the internet, work-from-home, Starlink, and cheap solar power, this trend seems to be reversing a bit: it is now more feasible than during any time in the last 50 years to decentralize and move back to more rural areas and live off-the-grid without foregoing all the amenities of modern life (culture, good jobs, communication, education, good food).

			* Land parcel/zoning structure - land is often not structured or sold in ways or sizes amenable to affordable housing. Rural areas often have minimum parcel sizes, which can drive up the minimum required capital to purchase land.

	=Solutions=		=Solutions=

Goto: /* Producer Training */

2026-01-07T12:39:16Z

Producer Training

← Older revision		Revision as of 12:39, 7 January 2026
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	The time spent (for 2 people) is one month of materials production, and 1 month of house construction. This is what we are aiming for, at a cost of $27k for operations and supplies, $5k extra materials, and an $10k service fee - total of $42k to produce all the building materials.		The time spent (for 2 people) is one month of materials production, and 1 month of house construction. This is what we are aiming for, at a cost of $27k for operations and supplies, $5k extra materials, and an $10k service fee - total of $42k to produce all the building materials.

	The concept here is - can an individual spend 2 months to address the #1 cost in their life - their house? Instead of having to work for somebody else to get the money for it?		The concept here is - can an individual spend 2 months to address the #1 cost in their life - their house? Instead of having to work for somebody else - for 30 years with a standard mortgage! - to get the money for it?

	To solve the latter - if $100/hr equivalent value is produced - then in 2 weeks the worth of 2 peoples' labor generates $100*160=$16000. If the person is radically efficient, even higher than $100/hr value - then the value produced can cross-subsidize their participation (if they do a 50/50 'sharecropping' model - producing their own house parts AND double that so that what they produce we can buy from them to even enable them to participate for free). That would be for very low income people, or undeveloped areas. The idea is - machines make productivity extreme, and if we run an efficient operation, we are freeing people up to pursue their dreams.		To solve the latter - if $100/hr equivalent value is produced - then in 2 weeks the worth of 2 peoples' labor generates $100*160=$16000. If the person is radically efficient, even higher than $100/hr value - then the value produced can cross-subsidize their participation (if they do a 50/50 'sharecropping' model - producing their own house parts AND double that so that what they produce we can buy from them to even enable them to participate for free). That would be for very low income people, or undeveloped areas. The idea is - machines make productivity extreme, and if we run an efficient operation, we are freeing people up to pursue their dreams.


	=Issues List - To Be Prioritized=		=Issues List - To Be Prioritized=

Goto: /* Problems */

2026-01-07T12:35:50Z

Problems

← Older revision		Revision as of 12:35, 7 January 2026
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	Building process:		Building process:

	* Disintegration of the process - Increases building cost. The design guy does not build the house, and thus does not design it like the builder would like to build it. The engineer is not the designer, the designer is not the builder, the builder is not the materials provider, and is not the user. A fully disintegrated production chain that cannot result in closed loop production cycles. Communication overhead grows exponentially the more parties are involved in the process. What was a quick thought becomes a phone call. A phone call becomes a scheduled meeting. A meeting becomes a months-long planning process.		* Disintegration of the building process - Increases building cost. The design guy does not build the house, and thus does not design it like the builder would like to build it. The engineer is not the designer, the designer is not the builder, the builder is not the materials provider, and is not the user. A fully disintegrated production chain that cannot result in closed loop production cycles. Communication overhead grows exponentially the more parties are involved in the process. What was a quick thought becomes a phone call. A phone call becomes a scheduled meeting. A meeting becomes a months-long planning process.

	* Disintegration of producer & consumer - If a person built a home for himself, he'd know which trade-offs to make & where to save cost. If he built the same home but sold it to someone just like him, he'd have to spend so much more time and effort: lawyers, realtors, bank financing, insurance, guarantees, building to certain specs "just in case" that are "assumed to be valued by buyers" and so on. These added costs easily add 50-150% on top of the "time & materials" cost when building for yourself.		* Disintegration of producer & consumer - If a person built a home for himself, he'd know which trade-offs to make & where to save cost. If he built the same home but sold it to someone just like him, he'd have to spend so much more time and effort: lawyers, realtors, bank financing, insurance, guarantees, building to certain specs "just in case" that are "assumed to be valued by buyers" and so on. These added costs easily add 50-150% on top of the "time & materials" cost when building for yourself.

Goto: /* Problems */

2026-01-07T12:35:23Z

Problems

← Older revision		Revision as of 12:35, 7 January 2026
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	The problem with housing can be described as a mismatch of supply & demand in housing. In short: the average American cannot afford the average American house. Many Americans, especially younger ones, are locked out of the housing market permanently - locking them into financial uncertainty for life, as they will always have to pay rent. Those that can afford to get big mortgages are often settled with huge payments for the majority of their lives, i.e. 30 years or, soon, 50 years.		The problem with housing can be described as a mismatch of supply & demand in housing. In short: the average American cannot afford the average American house. Many Americans, especially younger ones, are locked out of the housing market permanently - locking them into financial uncertainty for life, as they will always have to pay rent. Those that can afford to get big mortgages are often settled with huge payments for the majority of their lives, i.e. 30 years or, soon, 50 years.

	There are various root causes at play. ~~These can be roughly grouped:~~		There are various root causes at play.


	Regulatory & political:		Regulatory & political:

	* NIMBY - "Not in my back yard". In the West, "affordable" housing means "ghetto" so city councils reject them and known policies such as redlining exist to this day.		* NIMBY mentality - "Not in my back yard". In the West, "affordable" housing means "ghetto" so city councils reject them and known policies such as redlining exist to this day.

	* Central planning schemes - where city councils or county boards plan segregated communities (subtly) while they imbibe inclusivity in words only.		* Central planning schemes - where city councils or county boards plan segregated communities (subtly) while they imbibe inclusivity in words only.
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	Cost & financing:		Cost & financing:

	* Financing cost - mortgages that can't be paid back and banks foreclose.		* Financing cost - mortgages that can't be paid back and banks foreclose. With 30 year mortgages, people often pay 2-4x the price of the house in total over time.

	* Debt - housing is expensive. Buying even entry-level/affordable houses often settles people with 30 year mortgages, with huge monthly payments. Missing payments, or even technicalities in the mortgage, can lead to loss of the house even after decades of payments.		* Debt - housing is expensive. Buying even entry-level/affordable houses often settles people with 30 year mortgages, with huge monthly payments. Missing payments, or even technicalities in the mortgage, can lead to loss of the house even after decades of payments.
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	Building process:		Building process:

	* Disintegration of the process ~~making~~ cost ~~high - where the~~ design guy does not build the house, and thus does not design it like the builder would like to build it. The engineer is not the designer, the designer is not the builder, the builder is not the materials provider, and is not the user. A fully disintegrated production chain that cannot result in closed loop production cycles.		* Disintegration of the process - Increases building cost. The design guy does not build the house, and thus does not design it like the builder would like to build it. The engineer is not the designer, the designer is not the builder, the builder is not the materials provider, and is not the user. A fully disintegrated production chain that cannot result in closed loop production cycles. Communication overhead grows exponentially the more parties are involved in the process. What was a quick thought becomes a phone call. A phone call becomes a scheduled meeting. A meeting becomes a months-long planning process.

	* Lack of skilled labor - making house cost high by restricting supply.		* Disintegration of producer & consumer - If a person built a home for himself, he'd know which trade-offs to make & where to save cost. If he built the same home but sold it to someone just like him, he'd have to spend so much more time and effort: lawyers, realtors, bank financing, insurance, guarantees, building to certain specs "just in case" that are "assumed to be valued by buyers" and so on. These added costs easily add 50-150% on top of the "time & materials" cost when building for yourself.

			* Lack of skilled labor - making house cost high by restricting supply. If housing is so expensive, why has construction pay not increased to make up for it? Answer: Because the cost increase is not in the construction per se, but all the surrounding red tape.

	* Lack of the ''practice'' of best practices - as the industry is not open source.		* Lack of the ''practice'' of best practices - as the industry is not open source.
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	* Access to land - land around jobs and education is expensive.		* Access to land - land around jobs and education is expensive.

			* Technological & societal changes - starting around the 1980s or so, more and more jobs went from agriculture/manufacturing, which can be rural & decentralized, to professional jobs, which are highly centralized in a handful of big metro areas like New York City, Chicago, or Los Angeles. With the advent of the internet, work-from-home, Starlink, and cheap solar power, this trend seems to be reversing a bit: it is now more feasible than during any time in the last 50 years to decentralize and move back to more rural areas and live off-the-grid without foregoing all the amenities of modern life (culture, good jobs, communication, education, good food).

	=Solutions=		=Solutions=

Goto: /* Problems */

2026-01-07T12:26:21Z

Problems

← Older revision		Revision as of 12:26, 7 January 2026
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	There are various root causes at play. These can be roughly grouped:		There are various root causes at play. These can be roughly grouped:

	==Regulatory & political==		Regulatory & political:

	* NIMBY - "Not in my back yard". In the West, "affordable" housing means "ghetto" so city councils reject them and known policies such as redlining exist to this day.		* NIMBY - "Not in my back yard". In the West, "affordable" housing means "ghetto" so city councils reject them and known policies such as redlining exist to this day.
Line 34:		Line 34:


	==Cost & financing==		Cost & financing:

	* Financing cost - mortgages that can't be paid back and banks foreclose.		* Financing cost - mortgages that can't be paid back and banks foreclose.
Line 45:		Line 45:


	==Building process==		Building process:

	* Disintegration of the process making cost high - where the design guy does not build the house, and thus does not design it like the builder would like to build it. The engineer is not the designer, the designer is not the builder, the builder is not the materials provider, and is not the user. A fully disintegrated production chain that cannot result in closed loop production cycles.		* Disintegration of the process making cost high - where the design guy does not build the house, and thus does not design it like the builder would like to build it. The engineer is not the designer, the designer is not the builder, the builder is not the materials provider, and is not the user. A fully disintegrated production chain that cannot result in closed loop production cycles.
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	==Other==		Other:

	* Resource sinks - modern housing is not productive, serving as just accommodation while commuting to a job during the day, or a financial investment. It is not itself productive, unlike mixed-use housing in the past.		* Resource sinks - modern housing is not productive, serving as just accommodation while commuting to a job during the day, or a financial investment. It is not itself productive, unlike mixed-use housing in the past.

Goto: /* Problems */

2026-01-07T12:25:46Z

Problems

← Older revision		Revision as of 12:25, 7 January 2026
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	The problem with housing can be described as a mismatch of supply & demand in housing. In short: the average American cannot afford the average American house. Many Americans, especially younger ones, are locked out of the housing market permanently - locking them into financial uncertainty for life, as they will always have to pay rent. Those that can afford to get big mortgages are often settled with huge payments for the majority of their lives, i.e. 30 years or, soon, 50 years.		The problem with housing can be described as a mismatch of supply & demand in housing. In short: the average American cannot afford the average American house. Many Americans, especially younger ones, are locked out of the housing market permanently - locking them into financial uncertainty for life, as they will always have to pay rent. Those that can afford to get big mortgages are often settled with huge payments for the majority of their lives, i.e. 30 years or, soon, 50 years.

	There are various root causes at play:		There are various root causes at play. These can be roughly grouped:

			==Regulatory & political==

	* NIMBY - "Not in my back yard". In the West, "affordable" housing means "ghetto" so city councils reject them and known policies such as redlining exist to this day.		* NIMBY - "Not in my back yard". In the West, "affordable" housing means "ghetto" so city councils reject them and known policies such as redlining exist to this day.

			* Central planning schemes - where city councils or county boards plan segregated communities (subtly) while they imbibe inclusivity in words only.

			* Urban deserts - no trees or healthy food.


			==Cost & financing==

			* Financing cost - mortgages that can't be paid back and banks foreclose.

	* Debt - housing is expensive. Buying even entry-level/affordable houses often settles people with 30 year mortgages, with huge monthly payments. Missing payments, or even technicalities in the mortgage, can lead to loss of the house even after decades of payments.		* Debt - housing is expensive. Buying even entry-level/affordable houses often settles people with 30 year mortgages, with huge monthly payments. Missing payments, or even technicalities in the mortgage, can lead to loss of the house even after decades of payments.

	* Cost - no sane builders build affordable housing, because they can make more money building expensive housing.		* Cost incentives for builders - no sane builders build affordable housing, because they can make more money building expensive housing.

	* Speculation & financialization - in that economic incentives encourage spec builders to treat land like a commodity as opposed to treating it as a case for regenerative development, by prioritizing profit over innovation.		* Speculation & financialization - in that economic incentives encourage spec builders to treat land like a commodity as opposed to treating it as a case for regenerative development, by prioritizing profit over innovation.


			==Building process==

	* Disintegration of the process making cost high - where the design guy does not build the house, and thus does not design it like the builder would like to build it. The engineer is not the designer, the designer is not the builder, the builder is not the materials provider, and is not the user. A fully disintegrated production chain that cannot result in closed loop production cycles.		* Disintegration of the process making cost high - where the design guy does not build the house, and thus does not design it like the builder would like to build it. The engineer is not the designer, the designer is not the builder, the builder is not the materials provider, and is not the user. A fully disintegrated production chain that cannot result in closed loop production cycles.
Line 38:		Line 52:

	* Lack of the ''practice'' of best practices - as the industry is not open source.		* Lack of the ''practice'' of best practices - as the industry is not open source.

	* Central planning schemes - where city councils or county boards plan segregated communities (subtly) while they imbibe inclusivity in words only.

	* Lack of innovation - where light frame construction has not gained much improvement since the late 19th century.		* Lack of innovation - where light frame construction has not gained much improvement since the late 19th century.
Line 45:		Line 57:
	* Lack of comprehensive, digital, open design - where in the digital age, builders typically don't extract BOMs from CAD, but leave that to the builder.		* Lack of comprehensive, digital, open design - where in the digital age, builders typically don't extract BOMs from CAD, but leave that to the builder.

	* Financing cost - mortgages that can't be paid back and banks foreclose.

	* Access to land - land around jobs and education is expensive.		==Other==

	* ~~Urban deserts~~ - ~~no trees~~ or ~~healthy food~~.		* Resource sinks - modern housing is not productive, serving as just accommodation while commuting to a job during the day, or a financial investment. It is not itself productive, unlike mixed-use housing in the past.

	* ~~Resource sinks~~ - ~~modern housing is not productive, serving as just accommodation while commuting to a job during the day, or a financial investment. It~~ is ~~not itself productive, unlike mixed-use housing in the past~~.		* Access to land - land around jobs and education is expensive.

	=Solutions=		=Solutions=

Goto: /* Problems */

2026-01-07T12:21:41Z

Problems

← Older revision		Revision as of 12:21, 7 January 2026
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	* Lack of skilled labor - making house cost high by restricting supply.		* Lack of skilled labor - making house cost high by restricting supply.

	* Lack of the ~~_practice_~~ of best practices - as the industry is not open source.		* Lack of the ''practice'' of best practices - as the industry is not open source.

	* Central planning schemes - where city councils or county boards plan segregated communities (subtly) while they imbibe inclusivity in words only.		* Central planning schemes - where city councils or county boards plan segregated communities (subtly) while they imbibe inclusivity in words only.
Line 52:		Line 52:

	* Resource sinks - modern housing is not productive, serving as just accommodation while commuting to a job during the day, or a financial investment. It is not itself productive, unlike mixed-use housing in the past.		* Resource sinks - modern housing is not productive, serving as just accommodation while commuting to a job during the day, or a financial investment. It is not itself productive, unlike mixed-use housing in the past.



	=Solutions=		=Solutions=

Goto at 12:21, 7 January 2026

2026-01-07T12:21:22Z

← Older revision		Revision as of 12:21, 7 January 2026
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	[https://docs.google.com/presentation/d/1PE-nM9myxOPRzjpTTPPnEmqak9qE-0wJaFJKs_L942Q/edit#slide=id.gbc8a3565ac_1_379 edit]		[https://docs.google.com/presentation/d/1PE-nM9myxOPRzjpTTPPnEmqak9qE-0wJaFJKs_L942Q/edit#slide=id.gbc8a3565ac_1_379 edit]

			=Problems=

			The problem with housing can be described as a mismatch of supply & demand in housing. In short: the average American cannot afford the average American house. Many Americans, especially younger ones, are locked out of the housing market permanently - locking them into financial uncertainty for life, as they will always have to pay rent. Those that can afford to get big mortgages are often settled with huge payments for the majority of their lives, i.e. 30 years or, soon, 50 years.

			There are various root causes at play:

			* NIMBY - "Not in my back yard". In the West, "affordable" housing means "ghetto" so city councils reject them and known policies such as redlining exist to this day.

			* Debt - housing is expensive. Buying even entry-level/affordable houses often settles people with 30 year mortgages, with huge monthly payments. Missing payments, or even technicalities in the mortgage, can lead to loss of the house even after decades of payments.

			* Cost - no sane builders build affordable housing, because they can make more money building expensive housing.

			* Speculation & financialization - in that economic incentives encourage spec builders to treat land like a commodity as opposed to treating it as a case for regenerative development, by prioritizing profit over innovation.

			* Disintegration of the process making cost high - where the design guy does not build the house, and thus does not design it like the builder would like to build it. The engineer is not the designer, the designer is not the builder, the builder is not the materials provider, and is not the user. A fully disintegrated production chain that cannot result in closed loop production cycles.

			* Lack of skilled labor - making house cost high by restricting supply.

			* Lack of the _practice_ of best practices - as the industry is not open source.

			* Central planning schemes - where city councils or county boards plan segregated communities (subtly) while they imbibe inclusivity in words only.

			* Lack of innovation - where light frame construction has not gained much improvement since the late 19th century.

			* Lack of comprehensive, digital, open design - where in the digital age, builders typically don't extract BOMs from CAD, but leave that to the builder.

			* Financing cost - mortgages that can't be paid back and banks foreclose.

			* Access to land - land around jobs and education is expensive.

			* Urban deserts - no trees or healthy food.

			* Resource sinks - modern housing is not productive, serving as just accommodation while commuting to a job during the day, or a financial investment. It is not itself productive, unlike mixed-use housing in the past.



	=Solutions=		=Solutions=

Marcin: /* Presentation */

2026-01-07T00:14:36Z

Presentation

← Older revision		Revision as of 00:14, 7 January 2026
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	<html>https://www.youtube.com/~~watch~~?v=~~Lxlk4BNToDk~~		<html><iframe width="560" height="315" src="https://www.youtube.com/embed/Lxlk4BNToDk?si=8x4SIdUI0deNl6rV" title="YouTube video player" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen></iframe>
	</html>		</html>