The affordable housing crisis is not new to San Francisco. As it has been made clear several times, The Bay Area continues to face a crisis of a massive wealth disparity as housing prices continue to rise as incomes for the top earners have risen dramatically since 1999. In San Francisco, rents and housing prices are one of the highest in the nation, and people are facing rent burdens, in which a large portion of their income goes to rent, those with low and extremely low incomes are facing severe rent burdens, which take up more than 50% of their income. But it is in this context that we often overlook how affordable housing is created. What are the systems that drive this complicated machine of affordable housing finance? I proceed to explain the breakdown of affordable housing finance using two case studies: Rosa Parks II and 4840 Mission Street to demonstrate that the affordable housing finance system involves a myriad of both public and private entities to make them possible. With these results, I recommend that the city take steps to make the affordable housing process more efficient. The policies include the consolidation and streamlining of the affordable housing process, such as CEQA exemptions and zoning law reforms, as well as establishing a new public financial institution that can be able to process affordable housing proposals, gain rapid financing options, oversee the land acquisition and land costs, all with one application to efficiently produce more affordable housing.