Missing Middle Housing (MMH): From Research to Action

Closing the Financing Gap in Mid-Scale Housing: From Research to Action

The Industry Challenge

Across the United States, regional markets continue to experience a shortage of mid-scale housing options. While single-family and large multifamily developments dominate, the segment between them—often referred to as mid-scale housing—remains limited.

These housing types, such as duplexes, townhomes, and small multi-unit buildings, can increase density and expand supply, yet they face persistent challenges. Key constraints include restrictive zoning, limited access to financing, market hesitancy, and inconsistent policy alignment across jurisdictions.

How CULTIVA Can Help

CULTIVA Global Solutions, together with our teaming partner, is equipped to examine the financial and regulatory constraints affecting mid-scale housing and recommend practical, data-driven strategies to address them.

Our proposed approach includes:

1. Multi-City Research and Comparative Analysis
Conduct parallel fieldwork in several cities with varying market and policy conditions to identify patterns, financing models, and scalable opportunities.

2. Advanced Data Integration and Analytics
Leverage proprietary tools and AI-enabled analytics to synthesize financial, regulatory, and demographic data—accelerating insight generation and supporting adaptive analysis.

3. Partner Collaboration
Engage federal, regional, and private-sector participants through structured roundtables and interviews to ensure recommendations are operationally viable.

4. Action-Oriented Reporting
Deliver concise, publication-ready findings that translate technical research into clear, implementable strategies for policymakers and industry professionals.

Why CULTIVA

• Federal Housing Experience: Proven record supporting housing and infrastructure initiatives across multiple agencies.

• Financial and Regulatory Insight: Deep expertise in real-estate finance, policy frameworks, and market analysis.

• Operational Agility: Nationwide research capability with rapid deployment and quality controls aligned with ISO-9001.

• Risk and Quality Management: Rigorous methodologies and integrated assurance systems to maintain accuracy and compliance.

From Research to Implementation

At CULTIVA Global Solutions, we believe analysis should lead to measurable results. By identifying financial and structural constraints to mid-scale housing and providing federal leaders with actionable strategies, we help expand market capacity and advance effective housing development nationwide.