DescriptionOver the last few years shortcomings have been revealed in the most traditional forms of tenureship in the housing market. Housing finance has become tied to international financial markets, with deregulation creating a direct line between households and global capital flow. The promise of expanded homeownership that came with this expanded access to credit has turned sour. Foreclosure rates have dramatically increased, most significantly in lower-income neighborhoods in the more disinvested cities. Alternative models of homeownership such as limited-equity cooperatives, community land trusts, deed-restricted housing, and mutual housing associations provide another way for residents to relate to their homes. Instead of the relationship being dictated by the market, it can instead be directed by the social needs of communities, neighborhoods, and households. If these models of social housing were implemented on a larger scale, crises like the most recent one could be minimized and perhaps even avoided.