ChangeMakers with Katie Goar

Katie Goar
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Affordable housing is the backbone of better opportunities for all. ChangeMakers with Katie Goar analyzes the issues and challenges being faced in affordable housing today. In each episode, Katie speaks with finance experts, thought leaders, and change-makers to explore innovative solutions that provide more affordable housing options across the country. Whether you want to learn more about economic development, government funding, why affordable housing makes good economic policy, and why the total community benefits from affordable housing, this is the podcast for you.

  1. 5d ago

    Episode 152: Laura Foote, Founder and Executive Director, YIMBY Action

    Why is housing so expensive, and why does it take years to build new homes in communities that desperately need them? In this episode of ChangeMakers, Katie Goar speaks with Laura Foote, founder and executive director of YIMBY Action, about America’s housing shortage and the political choices that continue to limit housing production. Laura explains how restrictive zoning, lengthy permitting processes, local opposition, fees, and political pressure make it harder and more expensive to build. She also shares how the YIMBY movement is organizing residents to support new housing, influence local officials, advocate for policy changes, and hold cities accountable. The conversation explores how housing shortages affect teachers, nurses, small businesses, older adults, young families, and anyone who can’t afford to live near their job or community. Laura also discusses the growing bipartisan support for housing reform, the expansion of YIMBY Action’s 87 local chapters, and the organization’s work to unblock tens of thousands of new homes across the country. You’ll learn: • Why America is millions of homes behind • How zoning and permitting increase housing costs • Why local opposition carries so much political power • How housing shortages hurt businesses and essential workers • Why housing reform has support across the political spectrum • How ordinary residents can influence housing decisions • What YIMBY Action means by “units unblocked” Learn more about YIMBY Action and how you can get involved in supporting housing production in your community. ChangeMakers with Katie Goar explores the people, policies, and ideas shaping the future of affordable housing. Chapters 00:00 Introduction 00:41 Laura Foote’s personal housing story 02:09 Why high housing costs feel like personal failure 02:28 How the YIMBY movement began 04:34 Why new housing is so difficult to build 06:52 The community-wide effects of housing shortages 07:46 How residents can change the political math 08:33 Addressing common objections to new housing 10:49 How communities move from NIMBY to YIMBY 12:59 Why older adults and employers are joining the fight 14:00 Yes in God’s Backyard and other policy reforms 16:11 Why the housing shortage affects everyone 17:01 America’s self-imposed housing crisis 18:21 Bipartisan momentum for housing reform 21:20 Inside YIMBY Action’s 87 local chapters 22:31 When YIMBY Action takes cities to court 24:15 How YIMBY Action measures its impact 25:00 What “units unblocked” means 26:21 Why YIMBY Action focuses on new construction 27:00 Turning housing expertise into political action

  2. Jul 7

    Episode 151: Sarah Buchanan, Executive Vice President, San Diego Housing Federation

    In this episode of ChangeMakers with Katie Goar, Katie sits down with Sarah Buchanan, Executive Vice President of the San Diego Housing Federation, to talk about the real challenges facing affordable housing in one of the country’s most expensive regions. Sarah shares how she entered the housing field, what makes San Diego’s housing market so difficult, and why residents now need to earn around $50 an hour to afford a two-bedroom apartment. She also explains the difference between naturally occurring affordable housing and tax-credit affordable housing, the need for roughly 100,000 more units in San Diego, and the role coalition-building plays in creating real change. The conversation also explores homelessness, healthcare, hunger, childcare, workforce development, lived experience advocacy, and why self-care matters for people doing mission-driven housing work. If you care about affordable housing, homelessness prevention, community development, or the future of thriving cities, this conversation offers a grounded look at what it takes to move from crisis to solutions. Chapters 00:00 Introduction to ChangeMakers 00:13 Meet Sarah Buchanan 00:50 Connecting Through the Women’s Affordable Housing Network 02:32 Compassion Fatigue and Self-Care in Housing Work 03:06 Sarah’s Path Into Affordable Housing 05:04 The Reality of San Diego’s Housing Market 05:56 Why Residents Need $50 an Hour for a Two-Bedroom Apartment 06:22 San Diego’s 100,000-Unit Housing Gap 07:31 What the San Diego Housing Federation Does 08:29 Training the Affordable Housing Workforce 10:35 Building Coalitions Around Basic Needs 11:06 Housing, Homelessness, Hunger, Healthcare, and Childcare 12:20 Centering Lived Experience in Advocacy 13:05 Signs of Progress in San Diego 14:40 What People Misunderstand About Affordable Housing 16:44 Why Affordable Housing Projects Are So Complex 18:18 Sarah’s Leadership Approach 19:58 The Big Idea: A One-Stop Housing Database 21:43 How Technology Could Improve Housing Access 22:51 What Drives People in Affordable Housing 24:26 Self-Care, Boundaries, and Compassion Fatigue 26:19 Closing Thoughts

  3. Jun 23

    Episode 150: Marie Cervay Hickle, HTC & NMTC Relationship Manager , PNC

    Historic buildings can become a powerful part of a community’s future. In this episode of ChangeMakers with Katie Goar, Katie sits down with Marie Cervay Hickle, Vice President at PNC, to explain how historic tax credits and new markets tax credits help bring aging buildings back to life. Marie has more than 15 years of experience in community development finance. She has helped originate and close more than $450 million in tax credit equity across the country. The conversation explores how developers can turn vacant mills, overlooked landmarks, former schools, and other underused properties into housing and community spaces. Marie breaks down how historic tax credits work, why experienced financing partners matter, and how new markets tax credits can support projects that bring healthcare, education, jobs, and social services into low-income communities. Katie and Marie also discuss the renovation of Cleveland’s West Side Market and a 125-year-old South Carolina denim mill that became a 205-unit apartment community with lofts, a fitness center, coworking space, and modern amenities. You’ll learn: • How historic tax credits help fill gaps in a development capital stack • Which buildings can qualify for historic tax credits • How new markets tax credits support community development • Why adaptive reuse can strengthen neighborhoods • How banks evaluate community development projects • Why redevelopment can create challenges around gentrification • How developers can begin the tax credit process Learn more about Katie Goar and Quadel at quadel.com. Chapters 00:00 How historic buildings can shape the future of communities 01:14 Meet Marie Cervay Hickle of PNC 01:44 Marie’s path from engineering to community development finance 03:52 The Cleveland hotel renovation that shaped Marie’s career 05:00 Why new markets tax credits matter for low-income communities 06:31 Historic tax credits explained 09:53 Do historic tax credits make renovations more attractive? 12:40 Restoring Cleveland’s West Side Market 15:31 How developers can begin the historic tax credit process 19:54 New markets tax credits explained 22:30 Which projects can qualify for new markets tax credits? 24:29 How PNC evaluates community development investments 27:05 Can redevelopment transform an entire neighborhood? 28:38 The difficult balance between revitalization and gentrification 30:55 PNC’s priority markets for community investment 32:15 How a 125-year-old denim mill became 205 apartments 34:15 Final thoughts

  4. Jun 9

    Episode 149: Whitney Hill, CEO & Co-Founder, SnapADU

    California’s housing crisis has pushed families, investors, and homeowners to rethink what housing can look like. In this episode of ChangeMakers, Katie Goar sits down with Whitney Hill, co-founder and CEO of SnapADU, to explore how accessory dwelling units, better known as ADUs, are changing the housing landscape across San Diego and beyond. Whitney shares how SnapADU launched during the 2020 shutdown, why California’s regulatory changes created a massive opportunity, and how her company has now completed more than 100 detached ADU builds. The conversation covers: • The real drivers behind ADU demand • Why families are embracing multi-generational living • How homeowners are using ADUs for wealth building • The biggest bottlenecks slowing housing development • Why permitting and utility regulations remain a challenge • The future of affordable housing in California • What most people misunderstand about ADUs Whitney also explains why the most successful ADU projects focus on quality of life, thoughtful design, and long-term planning instead of simply maximizing density. If you’re interested in affordable housing, real estate investing, urban development, entrepreneurship, or the future of housing policy, this episode delivers practical insight into one of the fastest-growing housing trends in America. Subscribe for more conversations with leaders creating real-world solutions in housing, healthcare, business, and community development. Topics Covered / What You’ll Learn What an ADU actually isWhy California changed ADU lawsHow Snap ADU grew during COVIDThe economics behind ADU investingWhy multi-generational housing is growingThe biggest construction and permitting bottlenecksHow homeowners use ADUs to offset mortgage costsThe future of housing density in CaliforniaWhy San Diego became a hotspot for ADUsHow thoughtful housing design improves quality of lifeThe hidden complexity behind “simple” ADU buildsHow Whitney Hill built a niche construction company Timestamps 00:00 Intro 00:12 Meet Whitney Hill of Snap ADU 01:00 How California’s ADU law changes created opportunity 02:40 The story behind the name Snap ADU 03:30 Why San Diego became an ADU hotspot 05:10 Who is building ADUs today? 06:30 Community concerns around density and parking 08:25 Housing demand and city capacity 09:45 Why California has embraced ADUs 11:00 ADUs as a wealth-building tool 12:15 Multi-generational living success stories 14:20 The realities of running an ADU construction company 16:20 The biggest bottlenecks slowing housing growth 17:45 ADU design trends and creative layouts 19:15 Whitney Hill on leadership and entrepreneurship 21:00 Yale, NYU, and finding her professional niche 22:40 Snap ADU’s future growth strategy 24:30 Can ADUs help affordable housing? 26:20 Closing thoughts

  5. May 26

    Episode 148: Jason Blain, Senior Commercial Banker, Independent Bank

    Affordable housing is one of the biggest challenges facing communities today. But how does it actually get funded? In this episode of ChangeMakers, Katie Goar sits down with Jason Blain, Senior Commercial Banker at Independent Bank*, to break down how banks, developers, and public programs work together to create affordable housing. Jason shares a behind-the-scenes look at the real financial tools driving housing development, including tax credits, rate buydowns, and community partnerships. He also explains why homeownership still plays a critical role in building long-term wealth and stability. This conversation goes beyond theory. You’ll hear how affordable housing projects come together, what slows them down, and what needs to change to scale solutions. *Independent Bank is a Member FDIC and Equal Housing Lender. The information provided here is for general informational purposes only and does not constitute financial, legal, or investment advice. It should not be relied upon as a substitute for consultation with qualified financial or legal professionals. Banking products, terms, rates, and regulations may vary and are subject to change. Please consult your financial institution or a licensed advisor before making any financial decisions. 🎯 What You’ll Learn: How banks fund affordable housing projectsThe role of low-income housing tax creditsWhy affordable housing takes years to developHow rate buydown programs reduce costsThe difference between rental housing and homeownershipWhy small housing projects still create life-changing impactWhat needs to change to increase housing supply ⏱️ TIMESTAMPS 00:00 – Intro: The affordable housing challenge 01:10 – Jason Blain’s background and early influence 03:14 – What a regional bank actually does 06:24 – When banks enter housing projects 08:25 – Federal Home Loan Bank explained 10:22 – Rate buydown programs (in simple terms) 13:53 – Why tax credits matter 17:47 – Policy changes that could unlock more housing 19:15 – The Ability Way project (real-world impact) 23:28 – Why some housing projects feel “risky” 25:41 – Homeownership vs rental housing 29:47 – Recognition and community impact 35:51 – Why small housing projects matter

  6. May 12

    Episode 147: Shaina Fite, Public Housing Authority Manager, Yardi

    What happens when housing authorities stop pushing paper and start moving people into homes faster? In this episode of ChangeMakers with Katie Goar, Shaina Fite, Public Housing Manager at Yardi, breaks down how outdated systems are slowing down affordable housing and how technology is starting to change that. Shaina shares her journey from growing up in public housing to helping distribute over $200 million in rental assistance, offering a perspective shaped by both lived experience and industry expertise. The conversation explores why paper-based systems create delays and risk, how automation speeds up housing placement, and what artificial intelligence will change in the next 12 to 24 months. You will also hear how transparency improves trust for residents and agencies, and why the demand for affordable housing continues to rise. This episode moves beyond policy and gets into the real systems behind housing access and what needs to change to serve people faster and more effectively. ⏱️ Chapters / Timestamps 00:00 Intro 00:13 Meet Shaina Fite 01:25 How she got into affordable housing 03:31 Growing up in public housing 06:01 How lived experience shapes leadership 10:49 What Yardi does and why it matters 12:29 Why paper systems slow everything down 14:49 How automation speeds up housing 16:36 Transparency for residents and agencies 19:13 Real-time data and decision making 19:57 The role of AI in housing 22:45 How AI frees up human work 24:30 Why agencies resist technology 26:10 The “bootcamp” of software implementation 27:39 Getting teams to adopt new systems 30:22 Why “we’ve always done it this way” is dangerous 32:28 The real cost of outdated systems 34:00 What Yardi does better 36:17 The future of AI in housing 37:41 Will AI replace jobs? 39:31 The growing need for affordable housing 42:18 Final thoughts

  7. Apr 28

    Episode 146: Jared Jones Co-Founder, Middle Housing Partners

    America doesn’t have a housing construction problem. It has a rules problem. In this episode of ChangeMakers with Katie Goar, Jared Jones, co-founder of Middle Housing Partners, breaks down how microfill housing, ADUs, duplexes, and small multi-unit developments are reshaping affordability. Jared explains why millions of homes are missing from the market, how outdated zoning laws slowed growth for decades, and how new legislation is opening the door for everyday developers to build again. You’ll hear why nurses, teachers, and working families are priced out of their own communities, and how small-scale housing projects are bringing them back. If you care about housing, policy, or the future of your community, this conversation lays out a clear path forward. 00:00 Intro 00:13 Meet Jared Jones and Middle Housing Partners 01:10 From mortgage industry to housing developer 02:32 What is microfill housing? 03:51 How new laws changed development 06:36 Why zoning reform matters 09:30 How neighborhoods react to new housing 12:25 The real scale of the housing shortage 14:18 Why building takes too long 16:12 Why Wall Street dominates housing 18:40 SB9 and new housing laws explained 21:44 Why current solutions aren’t enough 23:07 The “starter home” solution 25:40 Workforce housing crisis explained 26:38 Why nurses can’t afford homes 31:02 Real community impact of housing shortages 34:50 The Middle Housing Revolution book 37:10 Fixing the broken system 41:21 What’s next: scaling the solution

  8. Apr 14

    Episode 145: Beth Silverman, Co-Founder & Executive Director, Lotus Campaign

    Most solutions to homelessness focus on policy. Beth Silverman is taking a different approach. On this episode of ChangeMakers, Katie Goar sits down with Beth Silverman, co-founder and executive director of the Lotus Campaign, to break down how private sector partnerships are creating real housing solutions. Beth explains how her model connects landlords, developers, and social services to reduce risk, remove barriers, and create access to housing for people experiencing or at risk of homelessness. You’ll hear why homelessness is often misunderstood, how small financial gaps keep people out of housing, and what it takes to build a system that actually works at scale. If you care about affordable housing, real estate, or social impact, this conversation gives you a clear look at what works. ⏱️ CHAPTERS 00:00 Introduction to Beth Silverman 00:45 How Lotus Campaign started 03:00 The real problem behind homelessness 05:20 Why the private sector is missing from the solution 08:00 The Lotus model explained 11:30 Breaking myths about homelessness 15:00 How to get landlords to say yes 18:30 Risk, incentives, and real estate alignment 22:00 Tools that help people access housing 26:00 Real success stories (Mario’s journey) 30:00 Scaling the model across cities 34:00 Final thoughts on solving homelessness

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Affordable housing is the backbone of better opportunities for all. ChangeMakers with Katie Goar analyzes the issues and challenges being faced in affordable housing today. In each episode, Katie speaks with finance experts, thought leaders, and change-makers to explore innovative solutions that provide more affordable housing options across the country. Whether you want to learn more about economic development, government funding, why affordable housing makes good economic policy, and why the total community benefits from affordable housing, this is the podcast for you.

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