Working Middle Class, of all levels and all industries, but primary: service, IT, retail & hospitality industries. People living in a stable residential environment perform better. Making better life choices and making better salaries. 

Education Sector. The more you make, the more you want to fit in. The more you strive to perform and know better, the more you understand what opens doors in business. Degrees & social events. Competitive drive pushes people to achieve better degrees. The education sector survives on the Stable Middle Class, who strived to become  Higher.

Travel Industry. People who live in affordable successful environments: travel more, stay happier, and perform better. 

Real Estate Industry. People relocate more easily when they have affordable housing and stable jobs, based on their social level. They also invest in Real Estate and second homes much easier, for their retirement & offspring.

Financial Markets. People who have stable housing, and stable jobs are interested in investing and keeping markets happy. They bank, and obtain credits and mortgages.

Energy Industry. Everyone who owes a home or business needs power.

Textile Industry. We sit on coaches, that are covered by textile. We wear clothes to leave the house.  

Electronics Sector & IT. We need phones and Wi-Fi to communicate. TV, radio, and music, to stay informed and up to date. 

Transportation Sector. We need wheels to move ourselves and things fast, from point A to point B. 

Security Sector. I think this one is self-explanatory: you do not want rapists or murderers wandering in your backyard. 

 Construction & Architecture Industry. Somebody has to build it all.

IRS. Taxes must be paid on land and property. And income.  Taxes are what should be used to pay for  all of the above

Welcome to the Almost Car Free Community, where innovative living meets sustainable development. With a budget of $70 million (including all labor cost from 6 to 12 months during construction phase), we want to built 78 townhomes alongside 38 vibrant on-site businesses, creating a unique environment for families and professionals alike.

This project invites investments from major corporations, private firms, and individuals who are passionate about revitalizing nearly abandoned villages. By ensuring affordable housing for all income levels, we aim to a stable society that encourages travel, education, and a balanced blend of technology and human connection.

It is crucial for our community that rent and mortgage remain affordable, ideally not exceeding $1,620.00 per month for properties valued at $320,000.00. When housing costs are manageable, it fosters stability and encourages middle-class families to travel, invest in education, and engage with culture. This thriving environment supports local businesses and accelerates technological advancements while maintaining essential human connections. Our project budget has been carefully crafted these considerations, ensuring long-term benefits for all residents.

When you buy a home you also buy a business option and it is included in $320,000.00 price. You can either rent or sell your business option, if you chose not to run it. 

My main goal was to make sure everyone who lives in this community, does not exceed mortgage rate higher then $1,620.00 a month for the property that costs $320,000.00. Including all the fees and tax. Budget for this project was written with this consideration.

New NAR (The National Association of Realtors®) Survey Finds Americans Prefer Walkable Communities

79% said being within an easy walk of other places and things, such as shops and parks, is very/somewhat important.

78% of those indicated that they would be willing to pay more to live in a walkable community.

85% said sidewalks and places to walk are very/somewhat important.

65% said having public transport nearby is very/somewhat important.

56% said they would prefer a house with a small yard, but be able to walk to places vs.

44% who would prefer a large yard and would need to drive to most places.

53% would prefer an attached dwelling (own a townhouse/condo/apartment) and be able to walk to shops, restaurants, and a short commute to work vs.

47% who would prefer a single-family home (own or rent) and have to drive to shops, restaurants and a longer commute.

NAR's biannual Community & Transportation Preferences Survey polls residents in America's 50 largest metropolitan areas."~ read more 

So, over 53% of the population, on average, prefer to walk to shop, and only 47% population likes to drive. With 53% giving preference to townhouse/brownstone style settings, only 45.5% prefer single-family homes.

Post-COVID society becoming more socially oriented and less car-driven. The construction market has to be aware. As well as general residential Real Estate investors.

The 78 townhome units, priced at $320,000 each, are accessible for families or individuals earning an average annual salary of $80,000.00 + or more. With a monthly mortgage or rental cost of $1,620.00, this venture could yield $24,960,000.00 from initial sales alone.

This capital could be sufficient to establish a new local bank or credit union, as the FDIC requires between $12 to $20 million in startup capital for new banks. Ultimately, this initiative could lead to greater financial self-sustainability the community by centralizing local mortgage options. What does centralizing in this situation mean? Service your own mortgages, do not sell out your debts. Hire residents to work for your bank and and keep the community stable, wealthy and successful.

This new housing development featuring 78 townhomes, each spanning 2,000 sq. ft. The project incorporates high-quality fiber cement siding with a classic brick face, ensuring durability and aesthetic appeal for an estimated cost of $8.18 million. With a total investment of around $14 million, this development promises a lucrative return, projecting $24.9 million upon selling all units at $320,000 each.

Additionally, two townhomes will  be dedicated to community services, enhancing local amenities with security and management offices, along with beautiful park spaces for residents to enjoy.

To afford a $320,000 property, annual income would need to be between $75,000 and $110,820, per family, or $38,000 per person in non-married households and $1,612.71 a month would be the minimum payment with 1.5 % credit interest from union mortgage loan for 30 years. If non-married partners or two roommates obtain the mortgage, it would mean $808.00 a months per person payment. The trick is they have to remain a part of the community or business union for at least first 5 years.

Why? To create stability. This is a generational wealth building project, not ordinary neighborhood idea. It is not easy to run small private business, it takes a lot of diplomatic skills and afford to survive and succeed, but this idea creates supportive environment for the small business community with unique offers for both residents: economic profitability off seasons and possibility of tourists.

DayCare *with keycard access on site 

Security Firm on-site

4 Rooftop Restaurants

Smoking Lounge with keycard access

4 Solar Farms on 4 Garage’s rooftops

24/7 ER plus on-call/ MD in the building

Advertising & Management Office

Private Retail Office & Boutique spaces

Laundry & Dry Cleaning Service * on site

Gym, Massage Room & Acupuncture office

24/6 Club House with indoor pool & sauna with keycard

24/6 Buffet with Wine Cellar for residents with keycard 

Solar Art Park, 4 fountains, 4 solar charging stations

Cannabis in regular pharmacy * all-in one with keycard

Local Only Shuttle Bus, for people who need it, disable people or limited movement beings

High-End Brands baby clothes & used Strollers Collective, for the families in need

Can you imagine how many highly qualified, highly paid full-time employment positions this project would require? Then imagine tax revenue, that you can later use for all of the social and and senior services?  None of these are weather dependent either. 

Invest in businesses that can remain operational and generate steady profits during snow lockdowns. Instead of competing aggressively, focus on creating a diverse range of offerings that cater to community needs and preferences. Collaborate with neighboring communities to share certain services while maintaining healthy competition. Each community should highlight one or two unique services, ensuring individuality; for instance, one might feature an ice cream shop, while another could host a gym or a Barnes & Noble store.​​ Create a healthy competition, not destructive take over.

Envision a lively boutique located within a short walk or safe bike ride, focused healthy living and creativity. Our shop will feature distinctive Etsy and organic soaps, inspiring eco-conscious decisions. Participate in our interactive DIY yoga classes that promote wellness and community. We will also provide a nurturing home for single-parent families, and creating a supportive space until they find their ideal partner to share their lives with. And local ONLY shuttle service for community.

Bakery, Coffee Shop, Private Organic Grocery Store
Yoga and Pilates  Studio with massage on-site
Mortgage and Insurance Company, Local Credit Union​
Veterinarian and Pet Boutique
Bike Store and Music Store 
Toys and Gifts
Lingerie Store
Open 24/7
Law Firm
Counseling Office
Kitchen Supplies 
Spa and Cosmetology
Chocolates Shop
Wine Bar and Tasting Room
Cannabis + "Pharmacy All in one"
Community Urgent Care on-site
Smoking Lounge, etc.

THESE BUSINESS LINEUP ARE ALL not-weather-dependent businesses. 

Discover an affordable housing solution through builder's and developer's direct sales and financing. By reducing construction costs to approximately $320K per townhouse, we can offer homes to at least 40 people earning less than $80K annually.

Families with incomes between $40K and $45K can also benefit from business spaces on the first floor, allowing them to increase their income and improve their financial stability. With uniform layouts that maintain quality while minimizing costs, we ensure a sustainable living environment, provided that all businesses are legally licensed.

Our goal is to build a modern 100% walkable and bikeable neighborhood, with no or minimum residents only cars access, featuring bay windows, balconies, and rooftop patios, summer pool and ice rink during winter, creating an ideal home for single-parent families. Our commitment to enhancing walkability and reducing dependence on vehicles is aimed at improving the quality of life for all residents while boosting local jobs and revenue.

With a maximum of 600 vehicle spots in our garage, including delivery clearance parking, we ensure that our community remains accessible and pedestrian-friendly. This ample parking will serve 78 residences and 38 businesses, along with space for deliveries, guests, and local shuttles. Please note that guests will be required to pay for parking, unless a resident chooses to designate one of their two assigned spots for their visitors. The two same parking buildings, connected to the main townhouse community will host 4 rooftop facilities, open either 24/7 or until alcohol serving time, to insure fun, but no sound or movement disturbances for the rest of the sleeping residents. And of cause heated pool with sauna, open 24/7 are great for wintertime in any Northern Region. 

* This project was inspired by the poverty and hardships often experienced during the immigration and resettlement process, as well as the social need for 4 basic physical human necessities, required for happy growth: housing, food, activities and clothes.

Hire the architect & seismologist, to surveil & test the land 

Before embarking on any development project, it's crucial to ensure that the land is safe and stable. Hiring FEMA specialists and testing local water quality are the next steps. Often, areas that appear to be hidden gems can beught with issues, such as chemical or radioactive exposure and high crime rates.

For instance, I experienced rust-like residue in my Syracuse, NY home’s toilet, prompting me to switch to delivered drinking water after moving from Twain Harte, CA, where the water quality was much better. Always do your due diligence to avoid costly surprises.

Hire the construction team with similar to yours style, & experience to work in your regional weather conditions 

When confirming land safety and stability, it's crucial to select a construction company with experience in regions that share similar weather conditions to yours. If you're building in northern areas or hurricane-prone regions, this choice significantly impacts project's success. The builder must account for potential mold or termite exposure due to wet climates, well as other natural disasters that could affect the building's longevity. Opting for a local builder can be more cost-effective, but ensure they possess a consistent track record of relevant experience, especially for projects in low land subsidence areas with buildings typically under six stories and flood first floors.

Hire the building materials supplier, to confirm & preserve your desired
budget cost

After selecting the right construction company, the next step is to find a trustworthy supplier to guarantee the best prices for all.

Once your supplier is finalized, it's important to select an interior design team that reflects your vision and appoint a sales marketing director to successfully promote your project. These steps are vital for ensuring a successful construction outcome.

* Total construction cost went up averaging to $290,000.00 per unit, with inflation of $50,000.00 over original budgets projected cost. Based on this you can estimate approximate cost of all material supplies required for building 78 townhouses, $22,620,000.00 average.

Sale price in this case must not increase more than $320,000.00 per unit to keep the projected affordability.

You will recover initial cost plus additional $2,340,000.00 operational surplus you can use for future community maintenance or management and service team salaries.

Final Project Materials. ​One townhouse 2000 sq. ft of physical space (each unit) would require:

12,600 board feet of lumber (current price of lumber is $124.05 per 1000 board.ft) (average framing cost is $60,000)

300x bags of cement ($2,500 to $3,000)

15,000+ pc. of bricks ($8,000)

3000 sq. ft of roofing materials ($15,000)

4000 to 10,000 feet of copper pipe plumbing, or 1000 to 4000 feet of PEX or CPVC pipe (average $45,000)

Electrical wiring cost on average is $15,000

30 gallons of paint ($900)

5,600 sq. ft of hardwood flooring (average $75,000)

1,000 sq. ft of ceramic flooring ( $15,000)

500 sq. ft ceramic tiles for kitchen and bathrooms ($13,000)

3x tubs, 3x shower bases, 4x toilets, 4x double vanity sinks, 1 double side farmhouse kitchen sink, 9x facets, 3x shower sets, 3x tub facets sets (average total $15,000)

5x double wide barn doors ($2,500)

26x regular interior doors ($3,500)

3x exterior doors ($1,800)

3x screen doors ($750.00)

2x  double wide french glass doors for balcony and foye ($6,000)

1x fireplace ($4,900)

11x double pane windows ($5,500)​​​

1x  Bay window ($3,000)

1x washer and 1x dryer ($2,000)

1x dishwasher, 1x stove, 1x refrigerator, 1x oven hood, 1x cappuccino machine ($5,000)