Re: Lot development walkability [was: Getting started ...
From: Jerry McIntire (
Date: Mon, 19 Jan 2015 08:33:07 -0800 (PST)
Thank goodness that local banks are not so rigid, and that self-development
and self-financing are possible. There is no zoning in our property's
jurisdiction so as long as we meet the building codes, we are good to go.
Of course our site and home designs will be more people-focused and more
energy-efficient than is typically required, so we expect financing to be
readily available here.


Jerry McIntire
Stone's Throw Ecovillage, in the heart of Wisconsin's beautiful Driftless

On Sat, Jan 17, 2015 at 5:26 PM, Sharon Villines <sharon [at]>

> > On Jan 17, 2015, at 4:46 PM, R Philip Dowds <rpdowds [at]> 
> > wrote:
> >
> > This is not exactly quite right.  Those who come together to invent and
> choose a different lifestyle — the cohousing lifestyle — are already
> committed to an ideal that is not “normal” for the local market.
> Not necessarily. Banks don't loan money to projects they believe cannot be
> resold. The early groups had to self-develop and may have done so with
> rogue investors but banks are pretty conservative about what they will loan
> money for.
> For example, at orientations and open houses for a group in Florida the
> biggest demand was for one bedroom apartments. The bank wouldn't finance
> one bedrooms. They considered them unsaleable in the first place and
> unresalable (to coin a word) in the second.
> Zoning regulations also govern design.
> What happens inside may be unique and some of the design can be modified
> but unless there are no zoning regulations, or you can get them waived
> zoning will control. And then the banks will control unless you have cash
> down. Few people interested in cohousing have that -- though some certainly
> do.
> Sharon
> ----
> Sharon Villines
> Sociocracy: A Deeper Democracy

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