The low income sector has been largely ignored with respect to the housing shortfall issue in Pakistan and how this problem not only has a negative effect on an individual level, but effects the community’s overall health. The presentation analysis the issues, some of which have been generally ignored, and proposes solutions to address the growing problem. The housing shortfall in Pakistan has assumed alarming proportions. But the sector that has remained largely ignored by all commercial banks, and most of DFIs is the low income segment.