Homeownership is a cornerstone of household stability, wealth-building, and community resilience. As prices rise faster than incomes, entire segments of the population—seniors, single parents, essential workers, newcomers and first-time buyers—are being permanently excluded from ownership. This exclusion creates long-term social and fiscal costs that are ultimately borne by governments and communities. SBC addresses affordability not through short-term subsidies, but by changing how homes and communities are delivered—reducing costs at the source and preserving affordability over time.