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Both LIHTC (Low Income Housing Tax Credit) and Section 8 are intended to increase affordable housing, but they operate in fundamentally different ways.
🧐 LIHTC gives tax credits to developers to build or rehabilitate housing, increasing the supply of affordable units.
🎫 Section 8 provides rental vouchers directly to tenants, helping them afford homes in the private market.
LIHTC comes with heavy regulation, layers for oversight, and high compliance costs which often means only a portion of the subsidy actually goes into building affordable units. In many cases, the financial benefit stays with developers and investors, not with the tenants the program is supposed to help. There have even been documented cases of fraud and corruption tied to how tax credits are allocated. Given what my buddy Chandler Crouch has shown us at TAD. I’m not so sure I genuinely trust Tarrant county. Sorry but that’s on yall Tarrant county!
All of this has made me wonder why we haven’t tried something completely different, a hybrid between Section 8 and true affordability.
Imagine a program where the government partners with builders or even home buyers themselves to create communities or opportunities for teachers, firefighters, police officers, and other essential workers.
Instead of a tax credits that ultimately benefit developers, these workers could purchase a home in the community, live there for at least five years, and actually build equity. Real ownership. Real stability. Real opportunity for long term wealth building that they could pass down to their kids.
Instead of packing people into rental units with no sense of community or upward mobility, this would give families a genuine stepping stone, and a way out of lifelong dependency on government housing support.
But programs like this rarely gain traction. And honestly, it’s hard not to see why: the current system keeps people dependent. Lifelong tenants mean lifelong subsidy programs. And people stuck renting never get the chance to build generational wealth or break out of the rent race.
A program like this could break that cycle. It just requires the will to actually help people get on their feet instead of keeping them reliant forever.