WEBVTT

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Welcome to the debate. Today, we are looking

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at the mathematics of survival and I guess the

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geometry of community. We are dissecting the

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architecture of density, multifamily residential.

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In the industry, we often just call it the MDU,

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the multi -dwelling unit. MDU, I mean, it sounds

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a little like a prison designation, doesn't it?

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And frankly, for a lot of history, that comparison,

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it wasn't too far off. We aren't just talking

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about buildings today. We are talking about what

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is arguably the single most volatile flashpoint

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in urban politics. This is where zoning wars

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are fought. It's where neighborhoods are either

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made or segregated. It is controversial, yes.

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But let's ground this in a quick definition.

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When we say multifamily residential, we're classifying

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any housing where separate residential units

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are contained within one building or one complex.

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And the spectrum is just massive. It runs from,

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say, the humble duplex next door. all the way

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to the soaring apartment tower downtown. And

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the core question we really need to answer is,

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does this form represent the pinnacle of fiscal

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and communal efficiency, a necessary evolution,

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or is it, as you usually insist, a tool for exclusion?

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I'm insisting it's a compromise, and often a

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pretty dangerous one. My argument is that you

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simply cannot separate the building from its

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baggage. The history of the MTU, from the Industrial

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Revolution slums to the exclusionary zoning maps

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of today, It's a history of class conflict. And

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I'm here to argue that the data overrides that

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history. Multifamily housing is the superior

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model for fiscal stability and, yes, for physical

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safety. It offers higher per capita value and

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beneficial externalities that we ignore at our

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own financial peril. I'm speaking for the form

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itself, really, and its potential to save our

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cities. The potential is one thing. The reality,

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that's another. So let's hear your case. My stance

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is the case for fiscal and physical superiority.

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We need to stop looking at apartments as just

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choices and start looking at them as economic

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engines. When you analyze the tax revenue per

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acre, multifamily settings consistently, and

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I mean consistently, outperform single -family

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homes. This isn't just about developer profit.

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This is about municipal solvency. Solvency for

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the city, perhaps, but usually that comes at

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the cost of the living standards of the people

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inside. And that? That right there is the myth

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I want to shatter. Look at the Gallagher study

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from 2016. It's a pivotal piece of research.

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Gallagher analyzed the fiscal impact of different

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housing types and found that multifamily housing

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generates, quote, beneficial fiscal externalities.

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In plain English, these buildings generate more

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tax revenue for the infrastructure they consume

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than low density sprawl does. They effectively

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subsidize the single family homeowners who complain

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about them. Right. You're making the tax argument.

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It's the favorite weapon of the modern urbanist.

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Because it's irrefutable math. And while we're

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on the subject of myths, let's talk about safety.

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At every zoning hearing, you hear the same fear.

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Density is dangerous. What about fires? The 2025

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Pew data completely inverts this. Modern multifamily

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buildings provide the highest level of fire protection.

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Thanks to strict code requirements, sprinkler

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systems, fire -rated separations, they are a

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lower fire hazard than your average detached

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home. This is the evolution of community, you

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know, from the Roman insulae to today. It's just

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humans living closer for mutual benefit. You

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mentioned the Roman insulae. It's worth remembering

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that those were notorious death traps, prone

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to collapse and fire, built by slumlords to warehouse

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the plebs. And that brings me right to my stance,

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the case for historical friction and exclusion.

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You see an efficiency chart. I see a history

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of unwanted housing. Unwanted by the market or

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unwanted by the neighbors? Unwanted by the political

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structure. In the United States specifically,

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zoning laws are weaponized. Huge swaths of land

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are zoned strictly for single -family homes,

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not to preserve character, but to actively prohibit

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the MDU. It is a deliberate barrier. And historically,

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these bans weren't subtle at all. They were explicit

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efforts to keep racial minorities and the working

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poor out of specific school districts, out of

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specific neighborhoods. But that's a critique

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of the regulation, not the architecture itself.

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You can't blame the brick for the law. The brick

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is the law in physical form. When you look at

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the research, affluent homeowners are the most

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likely people to oppose these developments. And

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why? Because they don't see fiscal externalities.

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They see tenements. They see rooming houses.

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They see a threat to their property values and

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their social standing. You cannot discuss the

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MDU without discussing the class warfare that

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prevents it from being built. Perception is a

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powerful drug. I'll grant you that. But innovation

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is the antidote. And this brings us to the design

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itself. You claim these buildings are compromises.

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I see them as brilliant adaptations to constraints.

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adaptations, or just boxes stacked to maximize

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yield? Well, let's look at the most ubiquitous

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example in North America right now, the 1 plus

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5. You've seen them everywhere. Five stories

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of wood -framed residential sitting on top of

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a concrete podium, which is usually retail or

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parking. Oh, I've seen them. It's impossible

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to miss them. They all look exactly the same.

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They look similar because they solve the specific

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code equation. It's a structural innovation that

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allows for rapid, safe densification using cheaper

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materials, wood, while maintaining fire safety

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through that concrete podium separation. It helps

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solve the housing supply crisis. Is it a little

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repetitive? Maybe. But it is democratizing access

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to the city. It's aesthetic distinctiveness zero.

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But I'll give you a global counterpoint. You

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want to talk about adaptation? Look at the toothpick

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apartments in Hong Kong. We are talking about

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buildings, maybe 20 stories high, built on these

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tiny lots, sometimes with only one apartment

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per floor. That is extreme density. Yes, I'll

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grant you that. It's precarious. It is the architectural

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manifestation of desperation. These pencil towers,

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they're surrounded by shorter buildings, blocking

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light and air. It feels temporary, you know,

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even if it's made of concrete. You pick the extreme.

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But then you ignore the shophouse or the Tong

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Lao in Southeast Asia. I mean, that is the same

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concept, density on a small lot, but perfected.

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You have the family business on the ground floor,

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open to the street, and then the residential

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quarters above. It creates a mixed -use environment

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just organically. It's vibrant. A subdivision

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of detached homes is a graveyard compared to

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a street of Tong Lao. The Tong Lao has charm,

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I admit. But for every charming shophouse, there

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is a dingbat. The dingbat? Oh, come on. That's

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strictly a Los Angeles phenomenon. But it represents

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a specific mindset. The dingbat style is a boxy

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two -story apartment building on stilts hovering

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over a carport. It is the ultimate expression

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of prioritizing the car over the human. Or take

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the 4 plus 1 that took over Chicago in the 60s

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and 70s. Masonry and wood, four stories over

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a parking lot. These designs weren't about community

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evolution. They were about squeezing the maximum

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number of renters onto a lot while meeting minimum

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parking requirements. It's just cynical architecture.

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I would frame it as providing essential housing

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stock. And you're ignoring the beautiful iterations.

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Look at the garden apartment. Low -rise, semi

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-detached, surrounded by green space. Or the

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brownstone in New York. Technically, a brownstone

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is just a row house, a multifamily density form,

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and yet it is highly coveted. It proves that

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density can be desirable. A brownstone is desirable

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now because it has been gentrified. But let's

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talk about the interior experience of those older

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forms. Had you ever actually lived in a railroad

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apartment? I know the layout. It's linear, front

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to back. It's a privacy nightmare. The rooms

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are linked directly with no hallway to save space.

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So to get from the living room to the kitchen,

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you might have to walk through someone's bedroom.

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That is the architecture of density forcing a

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loss of dignity. It prioritized the efficiency

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of the floor plan over the privacy of the human

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being. It was a layout born of necessity and

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lot shape, but people adapted. And that adaptation

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leads to ownership, which is where the real debate

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lies. We often assume MDU means renting and single

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family means owning. But the legal structures

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of the MDU are where true community innovation

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really happens. I'm skeptical that a legal contract

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really changes the physical reality of sharing

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a wall. Oh, it changes everything. Look at the

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intentional community, specifically the housing

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cooperative. or co -op. In a co -op, you don't

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own your unit. A non -profit corporation owns

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the building, and you own shares in that corporation.

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It is a deeply democratic, almost socialist way

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of living that functions within a capitalist

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market. Or the condominium. I mean, you aren't

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just buying a box of air. You are buying into

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co -ownership of the common areas, the roof,

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the boiler. It forces collective responsibility.

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In theory, yes. But the vocabulary, it reveals

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the class divide again. You say co -op and condo,

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and we picture respectable middle -class stability.

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But let's look at the other side of that coin,

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the British bedsit or the Indian mess. Which

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are vital entry points to the urban economy.

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A mess or a bedsit offers a single room with

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shared facilities. It allows students, bachelors,

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and low -wage earners to actually live in the

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city where they work. Without them, the city

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just becomes a fortress for the rich. Or they

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become high -density slums. That is how they

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were historically viewed and often how they functioned.

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In Glasgow, between 1800 and 1870, they built

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high -density housing called the Close. In Liverpool

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and Leeds, it was the Court. Terraced, back -to

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-back housing clustered around these dead -end

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alleys. You're going back to the Victorian era

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again. Because the stigma persists. These courts

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had no ventilation, no sunlight, and shared open

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sewers. The terms became synonymous with squalor,

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and that linguistic baggage traveled. Take the

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word tenement. Technically, it just means a large

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apartment building. But in the United States,

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you cannot say tenement without implying a rundown,

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dangerous building. Words matter. When you propose

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a multifamily unit in a wealthy suburb, they

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don't hear condominium. They hear tenement. They

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hear SRO, single room occupancy. I'm not convinced

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by that line of reasoning because it assumes

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we must be held hostage by Victorian sanitation

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failures. The SRO, frankly, is a tragedy that

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we lost. We zoned them out of existence in the

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name of urban renewal and homelessness spiked

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almost immediately. The mess, the boarding house.

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These were flexible housing options. By stigmatizing

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them, we destroyed the bottom rung of the housing

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ladder. We didn't just stigmatize them. We associated

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them with a specific, quote, lesser form of citizen.

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Affluent homeowners oppose multifamily housing,

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and this is citing Manville and Monkonen's research,

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because they associate it with transient populations.

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The rooming house, where leases run week to week.

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That creates a very different social fabric than

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the 30 -year mortgage. You call it flexibility.

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The neighbors call it instability. Which leads

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us directly into the political resistance, the

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NIMBY factor, not in my backyard. And I want

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to return to the data here. The resistance to

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these buildings is often framed as protecting

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neighborhood character, but it is just irrational

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when you look at how people actually try to live.

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Is it irrational or is it calculated economic

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protectionism? It's irrational because even in

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strict single -family zones, people are desperately

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hacking the code to create multifamily efficiency.

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Look at the mother -in -law apartment or the

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granny flat. These are secondary suites tucked

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into basements. Or the garage apartment and the

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garlo. A garlo? It's a portmanteau of garage

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and bungalow. A garage and an apartment at the

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same level. The point is, people are breaking

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the single -family model because they need density.

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The two -flat or three -flat so common in Chicago

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or New England's triple -deckers creates a perfect

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middle ground. These are stackable units that

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fit on a standard lot. The market is screaming

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for this. The NIMBY resistance is fighting against

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organic demand. But the NIMBY resistance is powerful

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because it is rooted in something much deeper

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than just architecture. I want to reference the

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work of Luis Flores from 2024. He argues that

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zoning is a labor market regulation. That's a

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bold claim. How does a building code regulate

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labor? By banning multifamily housing, you are

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effectively regulating who can live and therefore

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who can work in a specific area. It excludes

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the service class. The resistance is deeply rooted

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in preserving a specific exclusionary social

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order. It's not just that they don't like the

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look of a deck access block. Right. Deck access

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does have a bad reputation, largely due to the

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brutalist era. Long external walkways, cold concrete.

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It's not just the deck access. It's the Plattenbau

00:13:40.590 --> 00:13:43.210
of East Germany or the Ponelec in the Czech Republic.

00:13:43.529 --> 00:13:47.029
These massive concrete slab towers became symbols

00:13:47.029 --> 00:13:50.250
of state control and uniformity. When a community

00:13:50.250 --> 00:13:52.889
activist stands up and says, we don't want high

00:13:52.889 --> 00:13:55.450
-rises here, they are channeling the ghost of

00:13:55.450 --> 00:13:57.690
the platenbau. They are fighting against the

00:13:57.690 --> 00:14:00.490
visual language of warehousing people. They see

00:14:00.490 --> 00:14:03.250
a loss of individuality. But that's a caricature.

00:14:03.490 --> 00:14:06.929
We aren't building Soviet -era concrete slabs

00:14:06.929 --> 00:14:10.009
anymore. We are building luxury apartments with

00:14:10.009 --> 00:14:13.330
gyms and pools. We're building mixed -use developments

00:14:13.330 --> 00:14:17.059
that reduce car dependency. To cling to the fear

00:14:17.059 --> 00:14:20.480
of the Plattenbau in 2026 is to deny the reality

00:14:20.480 --> 00:14:22.539
of the modern penthouse or the loft conversion.

00:14:22.980 --> 00:14:25.320
The loft conversion is an interesting pivot,

00:14:25.379 --> 00:14:28.100
though, taking a warehouse, a place of labor,

00:14:28.259 --> 00:14:30.240
and turning it into housing for the wealthy.

00:14:30.480 --> 00:14:33.059
But that is gentrification, which brings its

00:14:33.059 --> 00:14:35.559
own political battles. The point I'm making is

00:14:35.559 --> 00:14:38.320
that the MDU is never just a building. It is

00:14:38.320 --> 00:14:41.259
a signal. And for many, it signals a loss of

00:14:41.259 --> 00:14:43.500
control over their environment. And for many

00:14:43.500 --> 00:14:46.179
others, it signals opportunity. It signals a

00:14:46.179 --> 00:14:49.580
place to live that is affordable, safe, and connected.

00:14:50.000 --> 00:14:52.100
I think we've reached the crux of the disagreement.

00:14:52.399 --> 00:14:54.720
We're looking at the same structures but seeing

00:14:54.720 --> 00:14:58.019
two completely different histories. Indeed. So,

00:14:58.080 --> 00:15:01.639
let's summarize the case for density. Multifamily

00:15:01.639 --> 00:15:04.019
residential, whether it's the high -rise penthouse,

00:15:04.200 --> 00:15:07.000
the humble duplex, or the efficient 1 plus 5,

00:15:07.259 --> 00:15:09.639
is the fiscal savior of the modern community.

00:15:10.100 --> 00:15:13.100
The data is clear. These structures lower tax

00:15:13.100 --> 00:15:16.259
burdens, maximize value per capita, and provide

00:15:16.259 --> 00:15:18.639
superior fire safety compared to the sprawl of

00:15:18.639 --> 00:15:21.679
single -family homes. It is an evolving, necessary

00:15:21.679 --> 00:15:24.720
solution. We should be encouraging the two -flat,

00:15:24.759 --> 00:15:27.120
the garden apartment, and yes, even the micro

00:15:27.120 --> 00:15:29.259
-apartment, not banning them out of irrational

00:15:29.259 --> 00:15:32.519
fear. And I will conclude by saying that while

00:15:32.519 --> 00:15:35.820
the efficiency is undeniable, the MDU carries

00:15:35.820 --> 00:15:38.559
the heavy weight of historical class warfare.

00:15:39.370 --> 00:15:42.250
From the back -to -back terraces of the Industrial

00:15:42.250 --> 00:15:45.669
Revolution to the tenements of New York, this

00:15:45.669 --> 00:15:48.830
housing form has been the stage for our society's

00:15:48.830 --> 00:15:51.649
struggle with inequality. The zoning battles

00:15:51.649 --> 00:15:54.950
we see today are not new. They are echoes of

00:15:54.950 --> 00:15:57.830
the attempts to segregate the close and the court

00:15:57.830 --> 00:16:00.970
from the respectable street. It is a necessary

00:16:00.970 --> 00:16:04.570
form, I agree, but it is one defined by a perpetual

00:16:04.570 --> 00:16:07.720
struggle for acceptance and for dignity. It's

00:16:07.720 --> 00:16:09.720
remarkable how a simple building classification,

00:16:10.299 --> 00:16:13.980
MDU, can reveal such deep societal fissures regarding

00:16:13.980 --> 00:16:17.159
race, class, and how we choose to live together.

00:16:17.820 --> 00:16:21.159
Absolutely. It forces us to ask who our neighbors

00:16:21.159 --> 00:16:24.320
are, and maybe more importantly, who we allow

00:16:24.320 --> 00:16:27.960
them to be. A question worth pondering. Join

00:16:27.960 --> 00:16:29.600
us next time on The Debate.
