BSL/CEDA believes that the provision of adequate, appropriate and affordable housing is central to the development of a productive, growing economy and a stable, cohesive society. Based on an emerging consensus that a solution to this housing crisis is to attract a large volume of private investment into this sector, this paper outlines several models that may achieve this aim. The purpose of this paper is to inform a discussion of potential stakeholders about the investment in and development of affordable housing. the rapid gentrification of the inner areas of the cities, where a majority of the rental stock has historically been located; including the continuing conversion of rental dwellings to home ownership and the colonization of much of the remaining rental stock by higher-income households buying their way into central locations.  longer periods spent in formal education, delaying entry to the paid workforce, and saddling younger Australians with large tax debts, due to the Higher Education Charge Scheme. The social environment, especially the perceived safety and health of a city, is an important magnet for investment and the location of managerial staff and knowledge workers in the dynamic growth industries. Florida’s ‘creative class’, drawn from a range of social minority groups (including gays and lesbians), tend to locate in cities and regions they see as tolerant and secure cities that rate highly on the so-called ‘Bohemian Index’.